Care Freedom: co-payment, limits and waiting periods in the wording
Care Freedom (UIN CHIHLIP26052V032526) makes you pay a share of every claim: the co-payment set in your policy schedule, such as 20% or 30%, plus 10% more each year after the eldest insured turns 71. Pre-existing diseases and listed illnesses both wait 24 months. Room rent is 1% of the sum insured a day or a fixed room category, named illnesses have their own caps, and there is no bonus for a claim-free year.
Limits that apply to every claim
| Item | What the wording says |
|---|
| Co-payment | As set in your schedule (for example 20% or 30%), on every claim. It rises by 10% after the eldest insured turns 71, unless you paid to waive that and joined at 70 or below. |
|---|
| Hospital room | Your schedule sets one: 1% of the sum insured a day, twin sharing, or a single private AC room. A higher room means a cut on the whole bill. |
|---|
| ICU | 2% of the sum insured a day, or no limit, as your schedule says. |
|---|
| Named illnesses | Cataract, knee replacement, hernia, hysterectomy, prostate, kidney stones, heart and brain conditions, cancer, kidney complications and fractures each have a cap in the schedule. |
|---|
| Before and after a hospital stay | Paid up to a rupee amount in the schedule. The wording sets no number of days. |
|---|
| Treatment at home | Up to 10% of the sum insured, for treatment over 3 days. |
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What else is in the plan
- Recharge: once your sum insured is used up, it is refilled once a year, but not for an illness you already claimed for that year.
- Consumable Allowance: a fixed daily amount from the 4th to the 7th day of a stay. It does not pay the items a bill normally leaves out.
- 12 listed modern treatments are covered. Other advanced treatments are not.
- No cumulative bonus. The wording has no bonus for a claim-free year.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 24 months. |
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| Listed illnesses and surgeries | 24 months. |
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What Care Freedom does not cover
- Maternity. An ectopic pregnancy is covered as a hospital stay.
- Your organ donor's costs. The wording excludes them.
- Treatment outside India.
- 16 named conditions are permanently excluded if you had them before buying, such as unoperated varicose veins, kidney stones and retinal detachment. Read the exclusion list in the wording before you buy.
Frequently asked questions
Does Care Freedom have a co-payment?
Yes, on every claim. The percentage is in your policy schedule, for example 20% or 30%, and it rises by 10% after the eldest insured turns 71.
What is the pre-existing disease waiting period in Care Freedom?
24 months of continuous cover. Listed illnesses like cataract and hernia also wait 24 months.
Does Care Freedom give a no-claim bonus?
No. The wording has no cumulative or no-claim bonus.
How many days before and after hospital does Care Freedom pay?
The wording does not set a number of days. It pays these costs up to a rupee amount shown in your schedule of benefits.
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Where this comes from
- Care Freedom policy terms and conditions (effective 3 September 2025), UIN CHIHLIP26052V032526. Clauses 3.1.1, 3.1.2, 3.1.4, 3.1.6, 3.1.7, 4.1 Excl01, Excl02, Excl18, 4.2(i)(12).
Checked against the wording on 2026-10-09.
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