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Insurance Plans 1115 views December 6, 2019
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.
Care 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 Care Health Insurance Plan. Let us study in detail in the below article.
Table of Contents
The plan has various benefits which are as follows:
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.
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.
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.
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.
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 below tests can be done in an annual health check-up:
The main features of the Care Freedom Plan are:
|Minimum Age of Entry||Care 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 Entry||Individual & Floater: Lifelong|
|Type of Cover||Individual up to 6 members and Floater|
|Proposer’s Age||Proposer’s Age|
|Preliminary Waiting Period||30 days from any disease|
|Waiting period- Name Ailments||2 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 Care Health Insurance Plan
|Basic Features (Sum Insured)||Care Freedom Plan 1|
|Care Freedom Plan 1|
|Care Freedom Plan 2
7 Lakhs and 10 Lakhs
|Tenure of the plan||1 year, 2 years & 3 years||1 year, 2 years & 3 years||1 year, 2 years & 3 years|
|Day Care Charges||Till Sum Insured||Till Sum Insured||Till Sum Insured|
|In-patient Care||Till Sum Insured||Till Sum Insured||Till 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 Charges||Till 7.5% payable hospitalization expenses||Till 10% payable hospitalization expenses||Till 10% payable hospitalization expenses|
|Post-Hospitalization Charges||Till 7.5% payable hospitalization expenses||Till 10% payable hospitalization expenses||Till 10% payable hospitalization expenses|
|Companion Benefit||Rs 10000||Rs 15000||Rs 15000|
|Sum Insured Recharge||100% of the original Sum Insured||100% of the original Sum Insured||100% of the original Sum Insured|
|Domiciliary Charges||Up to 10% of the Sum Insured||Up to 10% of the Sum Insured||Up to 10% of the Sum Insured|
|Coverage of Dialysis||Till Rs 1000/ sitting||Till Rs 1000/ sitting||Till 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-up||List of Tests under Cardiac Health Check-up|
|Routine Urine Culture||Routine Urine Culture|
|Blood Count including ESR||Blood Count including ESR|
|Blood Group Test||Blood Group Test|
|Sugar Fasting & PP||Chest X-ray|
|Kidney Functions test||Kidney Functions test|
|Lipid Profile||Lipid Profile|
|Liver Functions Test||Liver Functions Test|
|Medical Exams Report||Medical Exams Report|
|Hb A 1 C||Hbs Ag|
|Hbs Ag||Sugar Fasting & PP|
|Urine for Micro Albuminuria||Nil|
How do you claim for Care Freedom Care Health Insurance Plan?
The claim is to be made within 30 days from the date of discharge with the following required documents:
We can conclude from the above discussion that Care Freedom Care Health Insurance Plan is a comprehensive plan which has all benefits which are needed in case of a common man.
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