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Care Insurance Care Freedom

Introduction to Care Insurance Care Freedom

Care Insurance Care Freedom is a health insurance policy offered by Care Health Insurance Company. Health insurance is a type of insurance policy that covers hospitalization expenses incurred for any illness, accident, or injury. It acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. Care Insurance’s Care Freedom Plan is a robust health insurance plan that is specifically designed to cover pre-existing diseases that are generally not covered by many plans in the market. It promises to unburden your financial stress in a medical emergency and protect your health.

Verdict: Care Insurance Care Freedom

This plan is a cost-effective option compared to other products in the market, making it budget-friendly. This plan provides coverage for pre-existing diseases that are often not covered by other plans. However, it does not offer comprehensive coverage. Moreover, the plan applies sub-limits on core benefits, such as domiciliary hospitalization costs and common treatments like cataract and joint replacement, which could result in significant out-of-pocket expenses. The plan also doesn't allow you to pay premiums on a monthly basis, and every time you make a claim, you'll have to bear a certain % of the approved claim amount. Additionally, according to our research, the insurer has received a higher number of claim settlement as well as policy purchase complaints. This implies that the insurer has a poor track record in terms of both purchase and claims service experience.

Pros & Cons: Care Insurance Care Freedom

  • arrow Cheaper than other products in the market
  • arrow Covers PEDs that are often not covered by most plans
  • arrow Option to automatically increase the cover amount based on previous year's inflation
  • arrow Annual health check-up available particularly for diabetes & cardiac conditions
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Limitations on the type of hospital room you choose
  • arrow Monthly premium payment mode not available
  • arrow Sub-limits on some core features as well as common treatments like cataract, etc.
  • arrow Mandatory co-pay applicable - you'll have to bear a % of approved claim amount each time you make a claim
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Care Insurance Care Freedom

01 Venereal and sexually transmitted diseases, other than HIV
02 Prosthesis or external equipments of any kind used for diagnosis or treatment except due to accident
03 Expenses related to screening, counseling or treatment of external birth defects
04 Circumcision unless necessary for treating a disease or injury
+ Show 9 more

Special Conditions: Care Insurance Care Freedom

01 In case of portability, the credit of Sum Insured would be available only to the extent of sum insured of the expiring policy, including the recharge

About Care Health Insurance Company Limited

Care Health Insurance Company Limited logo

Care Health Insurance (formerly known as Religare Health Insurance Company Limited) is a specialized health insurance company in India. The company provides Health Insurance, Top-up Coverage, Personal Accident, Maternity, International Travel Insurance, and Critical Illness products in the retail segment, as well as Group Health Insurance and Group Personal Accident Insurance for Corporates, etc. It was founded in 2012 and is headquartered in Gurugram, Haryana. Mr. Anuj Gulati is the company's CEO and MD.

Founded in
JV Partners
Turnover (GWP)
1404.65 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Care Insurance Care Freedom

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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