Insurance Inbox


Care Freedom

Religare Care Freedom is a comprehensive health plan designed exclusively for Senior Citizen's. The plan covers expenses (prior and post) incurred during hospitalization, day-care treatments (that do not require hospitalization), health check-up and much more. It doesn’t require any pre-policy medical check-up for all ages and sum assured. Also, waiting period is only 2 years in case of pre-existing diseases.

Sum Insured

3,00,000 to 10,00,000

Premium starts from


Key Highlights

    Cashless treatment at 4900+ network hospitals

    You don’t have to pay even a single paisa from your own pocket in more than 4900+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

    Day Care Treatments

    Insurance company will pay for more than 170+ treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

    No pre-policy medical test

    No medical check up is required for all ages and sum insured

    Key Product Benefits to Check

      Pre-hospitalization expenses

      You will get covered for upto 7.5% to 10% of your coverage for all the claim related medical expenses before your hospitalization.This list may include follow-up visits, medication, diagnosis… etc.,

      Post-hospitalization expenses

      You will get covered for upto 7.5% to 10% of your coverage for all the claim related medical expenses after hospitalisation.

      Annual Health Check-up

      All your insured family members above 18 years of age can avail health check-up once every year, irrespective of claims made.

      Reimbursement of Ambulance Expenses

      You can claim upto Rs. 1000 spent on ambulance charges per hospitalization. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

      Recharge of sum insured

      You get automatic recharge of sum insured if claim amount exhausts your coverage limit, at no extra cost

      Companion Benefit

      In case you or any of the insured members are admitted into Hospital for treatment of any one illness or injury and if the hospitalization exceeds 10 days, lumpsum amount for companion benefit of Rs.10000-15000 will be payable.

      Dialysis Cover

      You can claim upto 1,000 per sitting limited upto 24 consecutive months for the dialysis expenses incurred by you. You cannot claim for this, if the Kidney disease is identified as Pre Existing Disease

      Exclusions to note

        Pre Existing Diseases

        In the first 2 years of subscription, Religare will not pay for treating medical conditions that you may have been suffering from, before purchasing the policy.

        30 days Waiting Period

        You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

        2 years waiting period

        This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins … only after 2 years.


        Maternity/ Pregnancy/ child birth related medical expenses are not covered in this Policy.

        Additional Covers Available

        Good Health +

        With this cover you can get upto 8 doctor consultations in any of the Network Hospitals, upto a specified limit with a Co-payment as per the base plan.

        Home Care

        Religare will reimburse the expenses incurred towards hiring a qualified Nurse with the purpose of providing care and convenience to perform Insured Persons daily activities, subject to maximum of 7 days per illness/injury & maximum 45 days per policy year after a deductible of 1 day

        Health Check +

        This is an additional cover to Annual Health Check. With this you can upgrade your checkup to either Diabetes Health Checkup or Cardiac Health Checkup.

        Assets to be Covered


          Your Health

          You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.


          Family Health

          Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.

          Risks to be Covered


          Ambulance Charges

          The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.

          70% Complete


          Hospitalization expenses

          Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.

          70% Complete


          Pre & Post Hospitalization Expenses

          Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.

          70% Complete


          Day Care Treatment expenses

          Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.

          70% Complete


          Domiciliary treatment expenses

          Domiciliary Hospitalization is the treatment of the patient taken at home due to lack of accommodation in the hospital/nursing home or the patient's condition being such that he/she cannot be shifted to the hospital

          70% Complete


          Health Check up expenses

          Many insurers these days provide health check up feature for its insured members per some number of years. Many insurers also provide these check-ups as cashless at their network hospitals

          70% Complete


          Expenses for dialysis

          Dialysis is used during end-stage kidney failure to replace the functions of the kidneys -- including waste removal and regulation of blood levels of potassium and sodium. The expenses for this treatment are dialysis expenses

          70% Complete


          Our Expert Says

            Hi Dr. Kamalakar Sai, I am looking for a Health Insurance cover. Can you please brief me about this product


            Kamalakar Sai

            If you looking for a plan for Senior Citizen's which is packed with various benefits, then you should consider this plan. The best part of this plan is that it does not have pre-policy medical check-up. Another feature to be considered is that the pre- existing diseases are covered after 2 years of waiting period.

            Thank you so much for your help...


            Kamalakar Sai

            It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.

            Our Experts Panel


              Dr. Nandagopal Pothula

              Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.


              Dr. Kamalakar Sai

              Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited.


              Dr. Mamtaa Goel

              Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.


                Is there any tax benefit?

                Yes. Premium paid under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

                Why is it necessary for me to disclose my current health status correctly and accurately while I buy a health insurance policy?

                Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.

                What is beneficial for me - floater insurance or an individual insurance?

                Buying an individual cover or a floater cover is an individual's perception. However, as a general rule, at younger ages floater cover is advisable. As you grow older, you should go for an individual cover.

                What is the eligibility criteria for the policy?

                Minimum entry age for the policy is 46 years with no limit on the maximum age.

                What is Co-payment?

                Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy there is No Co-payment ever, in policy Sum Insured Rs. 2/3/4 Lacs.For Sum Insured > Rs. 4 Lacs, there will be no co-payment ever, if insured with us before age of 61.

                How does the Auto recharge work?

                Religare will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.


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