Care Health Insurance Limited
Care Freedom
Care Health PED-friendly plan for buyers with Diabetes, Hypertension, High BMI
UIN RHIHLIP21519V022021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹50 lakh
Claim settlement (CSR)
99%
PED waiting
24 months
Specific disease wait
24 months
Mandatory co-pay
20%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
22,000+
Free look
15 days
What this plan does well
- PED-FRIENDLY — accepts buyers with Diabetes/HTN/High BMI
- PED waiting REDUCED to 24 months (vs Care Health standard 36-48 months) — DEALBREAKER ADVANTAGE
- Care Health 22K network
- Single Private AC Room
- All Day Care Treatments
- AYUSH coverage
- Modern Treatments up to SI
- Domiciliary up to SI
Watch out for
- MANDATORY 20% CO-PAYMENT on claims — DEALBREAKER trade-off for PED-friendly access
- 20% senior co-pay (61+) on top of mandatory co-pay
- Pre/Post only 30/60 (vs ManipalCigna ProHealth 60/180)
- No automatic Restoration in base
- CB only 10%/yr max 50%
- Maternity excluded
- Free Look 15 days
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.