Insurance Company
Care Health Insurance
Policy Name
Care Freedom
Expert Overview -
Care Health Insurance has been operating since 2007 as a focused health insurer. With a long-standing presence in retail and group health insurance, it has developed a stable claims and service track record over time.
Plan Strategy -
Specialised policy focusing on individual with pre-existing diseases like diabetes, hypertension or high BMI
Network Hospitals
11,400+
>8,500 recommended
Claim Ratio
94.16%
>95% recommended
Complaints
43.2
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
20% of each bill to be paid by customer
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
Room rent capped
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
Sub limits on specified diseases
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration benefit
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
30 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
60 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Care OPD4 general physician and 4 specified specialists consultations (max ₹500)
Health Check+Upgraded health checkup for Cardiac/diabetes
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
