Quickinsure Highlights: Recharge, Companion & Consumables — Value Additions in Care Freedom
https://quickinsure.co.in/products/health-insurance/religare-health-care-freedom-diabetic-insurance
Quickinsure Insights: Religare Care Freedom Diabetic Insurance – A Lifeline for Lifestyle Conditions
For individuals managing lifestyle conditions like diabetes, high blood pressure, or high BMI, finding reliable and affordable health coverage can be a challenge. The Care Freedom Diabetic Insurance plan—offered by Care Health Insurance (formerly Religare Health Insurance) via Quickinsure —aims to change that narrative. Designed with pre-existing conditions in mind, it addresses common healthcare hurdles by combining flexibility, value, and thoughtful coverage enhancements.
1. Coverage for Pre-Existing Conditions with Minimal Waiting
One of the greatest strengths of the Care Freedom plan is its reduced waiting period of just 24 months for pre-existing conditions like diabetes and hypertension. This shorter waiting time makes crucial treatments accessible earlier than many other plans would allow. Additionally, no pre-policy medical check-ups are required, which simplifies the application process for individuals already under regular medical care.
2. Flexible Plan Design and Lifelong Renewability
Care Freedom is available in individual and family floater formats, offering coverage flexibility. Two plan variants— Plan 1 and Plan 2 —cater to different age groups and needs, with Plan 2 including older adults (entry age starting at 46). Policy tenures of 1, 2, or 3 years provide cost-saving options through multi-year discounts. The policy also includes lifelong renewability, a grace period of 30 days, and a 15-day free-look period —giving policyholders added peace of mind.
3. Robust Coverage & Sum-Insured Options
Care Freedom offers sum insured options starting at ₹3 lakh and rising to ₹10 lakh. The plan covers:
* In-patient hospitalization, including room charges, ICU, surgery, OT charges, etc., up to the chosen sum insured.
* Daycare treatments, such as dialysis, chemotherapy, and other minor procedures, are fully supported up to SI.
* Pre-hospitalization (up to 30 days) and post-hospitalization (up to 60 days) expenses.
4. Value-Added Perks That Make a Difference
Unique benefits of the plan include:
* Sum Insured Recharge: Automatically refills the entire sum insured once in a policy year for unrelated illnesses.
* Consumable Allowance: Covers non-medical items like masks, glycaemic strips, etc., at ₹750–1,000 per day after initial 3 days, for up to 7 days per hospitalization.
* Companion Benefit: A lump sum (₹10,000–15,000 depending on sum insured) paid if hospitalization exceeds 10 days.
* Domiciliary Hospitalization: Home-based hospitalization covered up to 10% of the sum insured after 3 days, valuable when hospital access is limited.
* Dialysis Cover: ₹1,000 per sitting covered, making regular treatment more manageable.
5. Optional Enhancements via Add-Ons
Care Freedom also offers valuable add-ons to enhance preventive and outpatient care:
* Health Check+: Upgrades your annual health check-up to a diabetes-specific or cardiac panel.
* Good Health+: Includes OPD doctor consultations, pharmacy discounts, and wellness offerings—ideal for long-term condition monitoring.
* Home Care: Supports post-hospital recovery at home with nursing care up to 7 days per illness or 45 days annually.
6. Premium-Saving Features & Costs
* Aggregate Deductible: Opting for a deductible between ₹25,000–₹3 lakh can lower premiums by up to 60%.
* Multi-year & Family Discounts: Enjoy up to 10% off for longer policy terms or including family members.
* Co-payment Structure: Standard co-pay of 20% (up to age 70) and 30% (70+), lowering premiums while retaining coverage.
* Tax Relief: Premiums are eligible for deductions under Section 80D of the Income Tax Act.
7. Important Considerations & Exclusions
While comprehensive, the Care Freedom plan includes notable limitations:
* Sub-limits on Treatments: Procedures like cataract surgery, knee replacements, and others may have capped payouts.
* Standard Waiting Periods: 30-day waiting period for general conditions, and 24-month wait for pre-existing or specific disease coverage.
* Typical Exclusions: OPD treatments, maternity, infertility, cosmetic surgeries, Ayurvedic therapies, rehabilitation, and self-inflicted injuries are excluded.
8. Who Stands to Benefit the Most?
* Individuals managing lifestyle conditions: The plan is purpose-built for those with ongoing diagnoses like diabetes or hypertension.
* Families seeking tailored coverage: Floater options with add-ons make it financially accessible and convenient.
* Cost-conscious buyers: Deductible options, multi-year & family discounts, and tax benefits enhance affordability.
* Preventive health advocates: Health Check+ and recharge features help promote proactive health management.
---
Final Thoughts
The Care Freedom Diabetic Insurance plan via Quickinsure is a thoughtful, purpose-driven policy that strikes a balance between critical lifestyle disease coverage, affordability, and care-driven design. Its streamlined entry process, meaningful add-ons, and sum insured flexibility make it well-suited to the needs of those navigating chronic health conditions.
If navigating health insurance feels overwhelming, I can help you with a comparative breakdown, policy FAQs, or guidance on the best combination of add-ons for your needs. Just say the word!
Quickinsure Highlights: Recharge, Companion & Consumables — Value Additions in Care Freedom
https://quickinsure.co.in/products/health-insurance/religare-health-care-freedom-diabetic-insurance
Quickinsure Insights: Religare Care Freedom Diabetic Insurance – A Lifeline for Lifestyle Conditions
For individuals managing lifestyle conditions like diabetes, high blood pressure, or high BMI, finding reliable and affordable health coverage can be a challenge. The Care Freedom Diabetic Insurance plan—offered by Care Health Insurance (formerly Religare Health Insurance) via Quickinsure —aims to change that narrative. Designed with pre-existing conditions in mind, it addresses common healthcare hurdles by combining flexibility, value, and thoughtful coverage enhancements.
1. Coverage for Pre-Existing Conditions with Minimal Waiting
One of the greatest strengths of the Care Freedom plan is its reduced waiting period of just 24 months for pre-existing conditions like diabetes and hypertension. This shorter waiting time makes crucial treatments accessible earlier than many other plans would allow. Additionally, no pre-policy medical check-ups are required, which simplifies the application process for individuals already under regular medical care.
2. Flexible Plan Design and Lifelong Renewability
Care Freedom is available in individual and family floater formats, offering coverage flexibility. Two plan variants— Plan 1 and Plan 2 —cater to different age groups and needs, with Plan 2 including older adults (entry age starting at 46). Policy tenures of 1, 2, or 3 years provide cost-saving options through multi-year discounts. The policy also includes lifelong renewability, a grace period of 30 days, and a 15-day free-look period —giving policyholders added peace of mind.
3. Robust Coverage & Sum-Insured Options
Care Freedom offers sum insured options starting at ₹3 lakh and rising to ₹10 lakh. The plan covers:
* In-patient hospitalization, including room charges, ICU, surgery, OT charges, etc., up to the chosen sum insured.
* Daycare treatments, such as dialysis, chemotherapy, and other minor procedures, are fully supported up to SI.
* Pre-hospitalization (up to 30 days) and post-hospitalization (up to 60 days) expenses.
4. Value-Added Perks That Make a Difference
Unique benefits of the plan include:
* Sum Insured Recharge: Automatically refills the entire sum insured once in a policy year for unrelated illnesses.
* Consumable Allowance: Covers non-medical items like masks, glycaemic strips, etc., at ₹750–1,000 per day after initial 3 days, for up to 7 days per hospitalization.
* Companion Benefit: A lump sum (₹10,000–15,000 depending on sum insured) paid if hospitalization exceeds 10 days.
* Domiciliary Hospitalization: Home-based hospitalization covered up to 10% of the sum insured after 3 days, valuable when hospital access is limited.
* Dialysis Cover: ₹1,000 per sitting covered, making regular treatment more manageable.
5. Optional Enhancements via Add-Ons
Care Freedom also offers valuable add-ons to enhance preventive and outpatient care:
* Health Check+: Upgrades your annual health check-up to a diabetes-specific or cardiac panel.
* Good Health+: Includes OPD doctor consultations, pharmacy discounts, and wellness offerings—ideal for long-term condition monitoring.
* Home Care: Supports post-hospital recovery at home with nursing care up to 7 days per illness or 45 days annually.
6. Premium-Saving Features & Costs
* Aggregate Deductible: Opting for a deductible between ₹25,000–₹3 lakh can lower premiums by up to 60%.
* Multi-year & Family Discounts: Enjoy up to 10% off for longer policy terms or including family members.
* Co-payment Structure: Standard co-pay of 20% (up to age 70) and 30% (70+), lowering premiums while retaining coverage.
* Tax Relief: Premiums are eligible for deductions under Section 80D of the Income Tax Act.
7. Important Considerations & Exclusions
While comprehensive, the Care Freedom plan includes notable limitations:
* Sub-limits on Treatments: Procedures like cataract surgery, knee replacements, and others may have capped payouts.
* Standard Waiting Periods: 30-day waiting period for general conditions, and 24-month wait for pre-existing or specific disease coverage.
* Typical Exclusions: OPD treatments, maternity, infertility, cosmetic surgeries, Ayurvedic therapies, rehabilitation, and self-inflicted injuries are excluded.
8. Who Stands to Benefit the Most?
* Individuals managing lifestyle conditions: The plan is purpose-built for those with ongoing diagnoses like diabetes or hypertension.
* Families seeking tailored coverage: Floater options with add-ons make it financially accessible and convenient.
* Cost-conscious buyers: Deductible options, multi-year & family discounts, and tax benefits enhance affordability.
* Preventive health advocates: Health Check+ and recharge features help promote proactive health management.
---
Final Thoughts
The Care Freedom Diabetic Insurance plan via Quickinsure is a thoughtful, purpose-driven policy that strikes a balance between critical lifestyle disease coverage, affordability, and care-driven design. Its streamlined entry process, meaningful add-ons, and sum insured flexibility make it well-suited to the needs of those navigating chronic health conditions.
If navigating health insurance feels overwhelming, I can help you with a comparative breakdown, policy FAQs, or guidance on the best combination of add-ons for your needs. Just say the word!
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