Insurance Plans 537 views December 6, 2019

Care Freedom Religare Health Insurance Plan

People are susceptible to several health hazards. Health Insurance protects us from increasing hospitalization expenses and covers many other expenses as well. Health insurance has become an integral part of combat ever-increasing medical costs. Today, there are many top health insurance companies in India which provide health insurance; however, it is important for us to study, compare and then make a decision. 

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Religare Health Insurance Company is a prominent insurer who understands the need for health insurance and therefore have designed their products accordingly. We will talk about the Care Freedom Religare Health Insurance Plan. Let us study in detail in the below article.

Benefits of Care Freedom Religare Health Insurance Plan

The plan has various benefits which are as follows:

In-Patient Care

In case of hospitalization for a minimum period of 24 hours, this plan reimburses charges like ICU charges, nursing costs, room charges, doctor’s fees, surgeon’s fees, oxygen, blood, anaesthesia charges, etc. Day-care Treatment charges also get covered in this plan where the insured is hospitalized for less than 24 hours.

Consumable Allowance

The Plan reimburses with a fixed amount per day for each day of hospitalization if the insured person is being admitted to a hospital for treatment in case of any disease or injury. However, this is subject to a maximum of 7 consecutive days per any illness or injury caused due to accident.

Pre and Post Hospitalization Benefit

The insurer compensates the Pre and Post Hospitalization expenses that are incurred by the insured before the hospitalization which is in force from the start of the policy and after the insured person is discharged which is in force till 30 days beyond the start of the policy.

Companion Benefit

This benefit refers to a lump sum amount that will be paid to the insured for treatment in case of any disease or injury due to an accident, provided the hospitalization is more than 10 consecutive days. 

Ambulance Charges

In case of any emergency, this plan reimburses the ambulance charges to the insurer.

Restoring the Sum Insured

The Sum Insured will be reinstated once in a policy year, if the existing sum insured is fully utilized. However, the re-instated amount can be utilized for any claims arising in the future and not the same year.

Domiciliary Charges

There could be situations where the insured has to be treated at home with all the facilities of a hospital. In such cases, the company reimburses the medical costs which are incurred at home, provided the treatment is completely based on medical advice by a Doctor and is for more than 3 consecutive days.

Cover for Dialysis 

The plan will reimburse Rs 1000/- per session which is payable up to 24 consecutive months by an insured person.

The facility of Annual Health Check-up

The below tests can be done in an annual health check-up:

  1. ECG
  2. Lipid Profile
  3. Blood Group
  4. Sugar
  5. Routine Urine Culture
  6. Kidney Function 
  7. Blood Count with ESR

Prominent Features of Care Freedom Religare Health Insurance Plan

The main features of the Care Freedom Religare Plan are:

  1. The term of the policy is 2,3 and 4 years
  2. Cashless Facility is available at the network hospitals which helps the insurer from the hassle of paying money upfront.
  3. Deductible: This is the amount that is to be paid by the insured person. This will be applicable on an aggregated basis in any policy year. 
  4. Tax Benefit: An insured person can avail of the tax benefit under section 80(D) of the Income Tax Act, 1961.
  5. Premium: There are various factors on which the amount of premium is dependant on like the plan chosen, age, cover type, policy terms, etc.
  6. Cancellation or Termination of the policy: The insurer has the right to cancel or terminate, as appropriate, the policy in case of facts not disclosed, any kind of falsification or fraud.
  7. Freelook Period: The insured has the right to cancel the policy in case he is not satisfied with the terms and conditions, within 15 days from the receipt of the policy document.

Policy Terms of Care Freedom Religare Health Insurance Plan:

Minimum Age of EntryCare Freedom Plan 1- (3 Lakhs & 5 Lakhs)
Adult- 18 years
Child- 90 Days

Care Freedom Plan 2- (3 Lakhs, 5 Lakhs, 7 Lakhs & 10 Lakhs)
Individual- 46 years

Floater- Oldest Insured Individual-46 years
Other Adults- 18 years Child -90 Days
Maximum Age of EntryIndividual & Floater: Lifelong
Type of CoverIndividual up to 6 members and Floater
Proposer’s AgeProposer’s Age
RenewalLifetime
Preliminary Waiting Period30 days from any disease
Waiting period- Name Ailments2 years of continuous coverage
Waiting period- Pre-existing Diseases 2 years of continuous coverage
Coverages Individual: Self, spouse, daughter, son, mother, father, brother, sister, mother-in-law, father-in-law, son-in-law, daughter-in-law granddaughter, grandson, niece, nephew, employee.
Family Floater: Self, spouse, daughter, son, mother, father, employee and his/her dependants like Children, Spouse and, Parents.

Now we will have a quick view of the details of Care Freedom Religare Health Insurance Plan

Basic Features (Sum Insured)Care Freedom Plan 1
3 Lakhs
Care Freedom Plan 1
5 Lakhs
Care Freedom Plan 2
7 Lakhs and 10 Lakhs
Tenure of the plan1 year, 2 years & 3 years1 year, 2 years & 3 years1 year, 2 years & 3 years
Day Care ChargesTill Sum InsuredTill Sum InsuredTill Sum Insured
In-patient CareTill Sum InsuredTill Sum InsuredTill Sum Insured
Annual Health Checkup Once a year Once a year Once a year
Consumable Allowance Rs 750/ day Rs 1000/ day Rs 1000/ day
Pre-Hospitalization ChargesTill 7.5% payable hospitalization expensesTill 10% payable hospitalization expensesTill 10% payable hospitalization expenses
Post-Hospitalization ChargesTill 7.5% payable hospitalization expensesTill 10% payable hospitalization expensesTill 10% payable hospitalization expenses
Companion Benefit Rs 10000 Rs 15000 Rs 15000
Sum Insured Recharge100% of the original Sum Insured 100% of the original Sum Insured 100% of the original Sum Insured
Domiciliary ChargesUp to 10% of the Sum Insured Up to 10% of the Sum Insured Up to 10% of the Sum Insured
Coverage of DialysisTill Rs 1000/ sittingTill Rs 1000/ sittingTill Rs 1000/ sitting
Cover of Ambulance Till Rs 1000/ hospitalization Till Rs 1000/ hospitalization Till Rs 1000/ hospitalization

List of Tests under Diabetes Health Check-upList of Tests under Cardiac Health Check-up
Routine Urine CultureRoutine Urine Culture
Blood Count including ESRBlood Count including ESR
TMTTMT
Blood Group TestBlood Group Test
Sugar Fasting & PPChest X-ray
Kidney Functions testKidney Functions test
Lipid ProfileLipid Profile
Liver Functions TestLiver Functions Test
Medical Exams ReportMedical Exams Report
TSHTSH
Hb A 1 C Hbs Ag
Hbs AgSugar Fasting & PP
Urine for Micro AlbuminuriaNil

Claim Procedure of care Freedom Religare Health insurance Plan

How do you claim for Care Freedom Religare Health Insurance Plan?

  1. Emergency Hospitalization: The insured must inform the insurer within 24 hours of hospitalization.
  2. Planned Hospitalization: The insured must inform the insurer 48 hours before hospitalization.
  3. The toll-free numbers are 1800 102 4488 and 1800 200 6677
  4. In case of cashless, the preauthorization form needs to be filled in which is available at the hospital’s insurance desk post which the fax is sent. The approval letter is being sent thereafter. All queries, if asked by the insurer needs to be answered with details.
  5. In case of reimbursement, all required documents need to be sent to the insurer for further processing.
  6. The insurer will inform the insured in case of any rejection with reason.

Documents to claim for Care Freedom Religare Health Insurance Plan:

The claim is to be made within 30 days from the date of discharge with the following required documents:

  1. The Claim Form to be filled with correct details and to be signed by the insured person
  2. Photo Identity proof of the insured
  3. Discharge Summary
  4. Original bills and receipts
  5. Doctor’s prescriptions
  6. All original and pathologic test reports.
  7. Receipt of Ambulance
  8. Home Care Benefit notes and receipts
  9. Any document, if needed by the insurer.

Conclusion

We can conclude from the above discussion that Care Freedom Religare Health Insurance Plan is a comprehensive plan which has all benefits which are needed in case of a common man.

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