{"uin":"CHIHLIP26052V032526","name":"care freedom","url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526","insurer":{"slug":"care-health-insurance","name":"Care Health Insurance Ltd","url":"https://indiainsurances.com/insurer/care-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":"2015-03-07","withdrawn_on":null,"summary":"Care Freedom is a health indemnity product with Plan 1 and Plan 2, individual or family floater cover, and sum insured options from Rs.2L to Rs.10L. It has a 30-day initial waiting period, 24-month PED and named-ailment waiting periods, 20%/30% co-payment options, aggregate deductibles, and optional Good Health+, Home Care and Health Check+ covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:31:26.659546+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Care Freedom Plan - 1","Care Freedom Plan - 2"],"display":"Care Freedom Plan - 1; Care Freedom Plan - 2","note":null,"quote":"Entry Age – Minimum | Care Freedom Plan - 1 Adult: 18 years Child: 90 days\nCare Freedom Plan - 2 Individual - 46 years Floater - Eldest Insured Person: 46 years Other Adult: 18 years Child: 90 days","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-eligibility-criteria"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy term can be one, two or three years.","display":"One, two or three years","note":null,"quote":"The Policy term can be one, two or three years.","sources":[{"clause":null,"heading":"4. SALIENT FEATURES 1. Policy Term","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-4-salient-features-1-policy-term"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed and signed Claim form, in original","Medical Practitioner's first consultation paper and referral letter advising Hospitalization","Medical Practitioner's prescription advising drugs/diagnostic tests/consultation","Original numbered bills/ receipts and discharge card from the Hospital/Medical Practitioner","Original numbered bills from licensed pharmacy/chemists","Original pathological/diagnostic test reports/radiology reports and payment receipts","Emergency Notes, Initial Assessment Sheet and Indoor case papers","Original investigation test reports and payment receipts","Ambulance Receipt","Any other document as required by the Company to assess the Claim"],"display":"Claim form, consultation/referral papers, prescriptions, original bills and discharge card, pharmacy bills, diagnostic reports and receipts, emergency/indoor papers, ambulance receipt, and any other document required","note":null,"quote":"i) Duly completed and signed Claim form, in original;\nii) Medical Practitioner's first consultation paper and referral letter advising Hospitalization;\niii) Medical Practitioner's prescription a d v i s i n g d r u g s / d i a g n o s t i c tests/consultation;\niv) Original numbered bills/ receipts and d i s c h a r g e c a r d f r o m t h e Hospital/Medical Practitioner;\nv) Original numbered bills from licensed pharmacy/chemists;\nvi) Original pathological/diagnostic test reports/radiology reports and payment receipts;\nvii) Emergency Notes, Initial Assessment Sheet and Indoor case papers;\nviii) Original investigation test reports and payment receipts;\nix) Ambulance Receipt;\nx) Any other document as required by the Company to assess the Claim.","sources":[{"clause":"19(II)(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-a-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from intimation on receipt of the last necessary document. If investigation is warranted, investigation must be completed not later than 15 days and the claim settled within 45 days from intimation on receipt of the last necessary document; delay attracts interest at 2% above bank rate.","display":"15 days from intimation on receipt of last necessary document; 45 days if investigation is needed; delay interest 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of Intimation on receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest in any case not later than 15 days from the date of intimation on receipt of last necessary document. In such cases, the Company shall settle the claim within 45 days from the date of intimation on receipt of last necessary document. ... In case of delay beyond stipulated 45 days the company shall be liable to pay interest at a rate 2% above the bank rate from the date of intimation to the date of payment of claim.","sources":[{"clause":null,"heading":"5.1.3 Claim Settlement (provision for Penal Interest)","page":17,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-5-1-3-claim-settlement-provision-for-penal-inter"},{"clause":"19(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-iii"},{"clause":"19(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Initial waiting Period : 30 days for all illnesses","Specific Waiting periods (Not applicable for claims arising due to an accident) : 24 months for listed Named Ailments","Pre-existing diseases : Covered after 24 months","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/ Weight Control","Change-of-Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Unproven Treatments","Maternity","Any OPD Treatment","Treatment received outside India"],"display":"30-day initial waiting, 24-month named-ailment and PED waiting, and major exclusions including investigation/evaluation, rest cure, obesity, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcohol/drug abuse, health hydros/spas, unproven treatments, maternity, OPD and treatment outside India","note":null,"quote":"Initial waiting Period : 30 days for all illnesses (not applicable in case of continuous renewal or accidents) Specific Waiting periods (Not applicable for claims arising due to an accident) : 24 months for listed Named Ailments Pre-existing diseases : Covered after 24 months ... 1. Investigation & Evaluation 2. Rest Cure, rehabilitation and respite care 3. Obesity/ Weight Control 4. Change-of-Gender treatments 5. Cosmetic or plastic Surgery 6. Hazardous or Adventure sports 7. Breach of law 8. Excluded Providers 9. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... 10. Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... 13. Unproven Treatments ... 15. Maternity ... 14. Any OPD Treatment.\n15. Treatment received outside India.","sources":[{"clause":"15(c)","heading":"Biological attack or weapons","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19430#c-15-c"},{"clause":null,"heading":"OPTIONAL BENEFITS","page":3,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19430#c-optional-benefits"},{"clause":"10","heading":"Treatments received in heath hydros, nature cure clinics, spas","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19430#c-10"},{"clause":"13","heading":"Unproven Treatments","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19430#c-13"},{"clause":"15","heading":"Maternity","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19430#c-15"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Care Health Insurance through the website link, Care Health customer app, WhatsApp number, courier to a branch or corporate office, or the branch grievance cell. If not satisfied, contact the grievance officer at the branch or corporate office before approaching the Insurance Ombudsman or IRDAI Bima Bharosa.","display":"Company website/app/WhatsApp/branch or corporate office first; then grievance officer; then Ombudsman or IRDAI Bima Bharosa","note":null,"quote":"In case of any grievance the insured person may contact the company through Website/link: https://www.careinsurance.com/customer-grievanceredressal.html Mobile App: Care Health - Customer App Tollfree (WhatsApp Number): 8860402452\nCourier: Any of Company's Branch Office or Corporate Office Insured Person may also approach the grievance cell at any of the Company's branches with the details of grievance. If Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at Branch Office or corporate office.","sources":[{"clause":null,"heading":"5.1.15 Grievances","page":19,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-5-1-15-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The sum insured options are Rs.2L, Rs.3L, Rs.4L, Rs.5L, Rs.7L and Rs.10L.","display":"Rs.2L, Rs.3L, Rs.4L, Rs.5L, Rs.7L and Rs.10L","note":null,"quote":"Sum Insured – on annual basis (in Rs.) | 2L | 3L | 4L | 5L ... Sum Insured – on annual basis (in Rs.) | 2L | 3L | 4L | 5L | 7L / 10L","sources":[{"clause":null,"heading":"Schedule of Benefits","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-schedule-of-benefits"},{"clause":"Row 1(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-row-1-iv"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 years","note":"For enhanced sums insured, five continuous years runs from the date of enhancement only on the enhanced limits.","quote":"After completion of five continuous years under the policy no look back to be applied. This period of five years is called as moratorium period. ... After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":null,"heading":"5.1.12 Moratorium Period","page":19,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-5-1-12-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"You can port the entire policy, with family members if any, to another insurer by applying at least 30 days before and not earlier than 60 days from the renewal date. Continuous cover without lapses gives accrued continuity benefits as per IRDAI portability guidelines.","display":"Allowed; apply 30 to 60 days before renewal; continuity benefits available","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits as per IRDAI guidelines on portability.","sources":[{"clause":"19(II)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, lifelong","note":null,"quote":"Exit Age | Lifelong","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-eligibility-criteria"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No claim-based renewal loading","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"19(II)(d)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days' written notice and receives proportionate premium for the unexpired policy period. No refund is made if any claim has been admitted or lodged or any benefit availed, and pre-policy medical examination and similar expenses may be deducted if risk has commenced.","display":"7 days' written notice; proportionate premium refund for unexpired period, subject to deductions and no refund if a claim/benefit exists","note":null,"quote":"The policyholder may cancel this policy by giving 7 days 'written notice and in such an event, the Company shall refund proportionate premium for the unexpired policy period. ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured Person under the Policy. ... the expenses such as pre-policy medical examination etc. incurred by the Company will also be deducted before refunding of premium.","sources":[{"clause":"19(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-a"},{"clause":"19(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-b"},{"clause":"19(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers only medical treatment taken entirely within India, with payments in Indian Rupees and within India.","display":"India only","note":null,"quote":"This Policy covers only medical treatment taken entirely within India. All payments under this Policy shall be made in Indian Rupees and within India.","sources":[{"clause":"19(II)(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-a-8"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new individual health insurance policies and not on renewals or at the time of porting/migrating.","quote":"The Insured Person shall be allowed free look period of 30 days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":null,"heading":"5.1.14 Free Look Period","page":19,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-5-1-14-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"The renewal clause separately says renewal can be made within 30 days to maintain continuity.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. ... At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"2.1.17","heading":"Grace Period","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-2-1-17"},{"clause":"19(II)(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Plan 1: adults from 18 years and children from 90 days. Plan 2: individual or eldest floater insured person from 46 years, other adult from 18 years and child from 90 days; maximum entry age is lifelong for adults and 24 years for children.","display":"Plan 1: Adult 18 years, Child 90 days; Plan 2: Individual/Eldest floater 46 years, Other adult 18 years, Child 90 days; max Adult lifelong, Child 24 years","note":null,"quote":"Entry Age – Minimum | Care Freedom Plan - 1 Adult: 18 years Child: 90 days\nCare Freedom Plan - 2 Individual - 46 years Floater - Eldest Insured Person: 46 years Other Adult: 18 years Child: 90 days\nEntry Age – Maximum | Adult: Lifelong Child: 24 years","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-eligibility-criteria"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Good Health+","Home Care","Health Check+"],"display":"Good Health+, Home Care, Health Check+","note":null,"quote":"Following Optional covers can be opted either at the inception of the policy or at the time of renewal:- ... Optional cover 1: Good Health+ ... Optional cover 2: Home Care ... Optional cover 3: Health Check+","sources":[{"clause":null,"heading":"3. OPTIONAL COVERS","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-3-optional-covers"},{"clause":null,"heading":"1. Optional cover 1: Good Health+","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-1-optional-cover-1-good-health"},{"clause":null,"heading":"2. Optional cover 2: Home Care","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-2-optional-cover-2-home-care"},{"clause":null,"heading":"3. Optional cover 3: Health Check+","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-3-optional-cover-3-health-check"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. The definition also says coverage is offered during the grace period if premium is paid in instalments during the policy period.","display":"Renewal grace: no coverage; instalment grace during policy period: covered if premium is paid in instalments","note":null,"quote":"Coverage need not be available during the period for which no premium is received. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. ... Coverage is not available during the grace period","sources":[{"clause":"2.1.17","heading":"Grace Period","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-2-1-17"},{"clause":"19(II)(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-c"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured uses a room where the room rent or category is higher than the eligible limit, associated medical expenses are pro-rated according to the policy limits.","display":"Yes, associated medical expenses are pro-rated if the room exceeds the eligible rent/category","note":null,"quote":"If a room accommodation has been opted for where the Room Rent or Room Category is higher than the eligible limit as applicable for that Insured Person as specified in the Policy Schedule, then, the Associate Medical Expenses payable shall be pro-rated as per the applicable limits in accordance with Clause 3.1.1©","sources":[{"clause":"19(II)(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-a-7"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"The policy has 20% or 30% co-payment per claim of the final amount payable. Co-payment increases by 10% per claim in the policy year following the insured person or eldest floater insured person attaining age 71, with an option to waive that additional 10% if first issued at age 70 or below by paying extra premium.","display":"20%/30% per claim; +10% after age 71, waiver option for first issue at 70 or below","note":null,"quote":"You will bear a Co-payment of 20% / 30% per claim of final amount payable by Us and Our liability shall be restricted to the balance amount, subject to the availability of the Sum Insured. ... The applicable Co-payment will increase by 10% per Claim in the Policy Year following the Insured Person (or eldest Insured Person in the case of a Floater cover) attaining Age 71. ... if Your age or eldest Insured Person (in case of Floater) at the time of issue of the first Policy with the Company is 70 years or below, then You may opt for the waiver of the aforesaid additional 10% Co-payment condition upon payment of extra premium.","sources":[{"clause":"10(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-10-i"},{"clause":"10(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-10-ii"},{"clause":"10(iii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-10-iii"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Deductible options are no deductible, Rs.25K, Rs.50K, Rs.1L, Rs.2L and Rs.3L, and the deductible applies on an aggregate basis in a policy year.","display":"No deductible / Rs.25K / Rs.50K / Rs.1L / Rs.2L / Rs.3L; aggregate in a policy year","note":null,"quote":"Deductible – on annual basis (in Rs.) | No deductible/ 25K/ 50K/ 1L/ 2L/ 3L ... Deductible would apply on an aggregate basis in a Policy Year. We shall be liable only once the aggregate amount of all the claims exceed the Deductible.","sources":[{"clause":null,"heading":"Schedule of Benefits","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-schedule-of-benefits"},{"clause":null,"heading":"2. Deductible","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-2-deductible"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The documents state coverage for medical expenses immediately before hospitalisation and percentage limits, but do not state a number of days before admission.","quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The documents state coverage for expenses immediately after discharge and validity till 30 days beyond the policy end date, but do not state a number of days after discharge.","quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day Care Treatment is covered up to the Sum Insured for specified/listed procedures in Annexure I that require hospitalisation for less than 24 hours.","display":"Listed day-care procedures in Annexure I covered up to Sum Insured","note":null,"quote":"Day Care Treatment We indemnify for the Medical Expenses if the Insured Person undergo a Day Care Treatment as specified in Annexure – I at a Hospital or a Day Care Centre that requires Hospitalization for less than 24 hours. ... Day Care Treatment | up to Sum Insured (As per Annexure – I)","sources":[{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-1-ii"},{"clause":"Row 1(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-row-1-iv"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH inpatient treatment at AYUSH hospitals or health care facilities is covered up to the Sum Insured for Ayurveda, Yoga and Naturopathy, Sidha, Unani and Homeopathy, subject to the inpatient care claim being admissible.","display":"Covered up to Sum Insured for Ayurveda, Yoga and Naturopathy, Sidha, Unani and Homeopathy inpatient treatment in India","note":null,"quote":"The Company will indemnify the Insured Person, through Cashless or Reimbursement Facility, up to the Sum Insured, as specified in the Policy Schedule, towards Medical Expenses incurred with respect to the Insured Person's medical treatment undergone at any AYUSH Hospitals or health care facilities for any of the listed AYUSH Treatments namely Ayurveda, Yoga and Naturopathy, Sidha , Unani and Homeopathy, subject to the conditions specified below:\ni) A Claim will be admissible under this Benefit only if the Claim is admissible under 'In-patient Care' of Benefit 1","sources":[{"clause":"3.1.10","heading":"Benefit 10: AYUSH Treatments","page":11,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-3-1-10"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Ambulance cover pays up to Rs.1,000 per hospitalisation for ambulance service offered by a hospital or ambulance service provider in an emergency.","display":"Up to Rs.1,000 per hospitalisation","note":null,"quote":"Ambulance Cover | Up to Rs.1,000 per Hospitalization | Up to Rs.1,000 per Hospitalization | Up to Rs.1,000 per Hospitalization | Up to Rs.1,000 per Hospitalization | Up to Rs.1,000 per Hospitalization","sources":[{"clause":"Row 1(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-row-1-iv"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded, including childbirth expenses except ectopic pregnancy, and miscarriage expenses unless due to an accident and lawful medical termination of pregnancy during the policy period.","display":"Not covered; childbirth excluded except ectopic pregnancy; miscarriage excluded unless due to accident","note":null,"quote":"Medical treatment expenses traceable to | treatment of an Illness or as may be\nchildbirth (including complicated | necessitated due to an Accident.\ndeliveries and caesarean sections\n10. All preventive care, vaccination, incurred during hospitalization) except i n c l u d i n g i n o c u l a t i o n a n d ectopic pregnancy; immunizations (except in case of\nb. Expenses towards miscarriage (unless | post-bite treatment) and tonics.\ndue to an accident) and lawful medical","sources":[{"clause":"15","heading":"Maternity: (Code Excl18)","page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-15"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"The policy defines mental illness and excludes mental retardation and certain psychiatric/psychosomatic domiciliary claims, but does not state a specific inpatient mental illness cover.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Annual health check-up is arranged once during a policy year for insured persons aged 18 years or above at network or empanelled service providers in India; children admitted under a floater policy are not eligible.","display":"Annual health check-up once per policy year for insured persons aged 18+","note":"Listed tests are Complete Blood Count with ESR, Urine Routine, Blood Group, Fasting Blood Sugar, Lipid Profile, Kidney Function Test and ECG.","quote":"On the Insured Person's request, the Company will arrange for the Insured Person's Annual Health Check-up for the list of medical tests specified below at its Network Provider or any other Service Providers empanelled with the Company to provide the services, in India, provided that:\ni) This Benefit shall be available only to those Insured Persons who are of Age 18 years or above on the Policy Period Start Date; and\nii) If the Policy is a Floater policy then this Benefit shall not be available to any Insured Person who has been admitted under the Floater policy as a child of any other Insured Person; and\niii) This Benefit shall be available only once during a Policy Year.","sources":[{"clause":"3.1.9","heading":"Benefit 9 : Annual Health Check-up","page":11,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-3-1-9"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Base OPD treatment is excluded. If Optional Cover 1 Good Health+ is chosen, up to 8 consultations with network service providers are available, with the per-consultation limit and co-payment specified in the policy schedule.","display":"Base: OPD excluded; Optional Good Health+: up to 8 consultations","note":"Good Health+ is optional and changes the answer only if bought.","quote":"Any OPD Treatment. ... The Insured Person shall be entitled to avail up to 8 consultations with the Network Service Providers, up to the per consultation payable claim limit and the applicable Co-payment specified in the Policy Schedule.","sources":[{"clause":"15(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-15-i"},{"clause":"3.2.1(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-3-2-1-a"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Premium pricing uses zones: Zone 1 is Delhi NCR, Surat, Mathura and Aligarh; Zone 2 is Telangana, Mumbai (MMR), Ahmedabad, Vadodra and Nashik; Zone 3 is Pune, Indore, Bengaluru Urban and Rest of Gujarat; Zone 4 is Rest of India.","display":"Yes, premium pricing has Zone 1 to Zone 4","note":"The cited text states pricing zones; it does not state a treatment-city co-pay.","quote":"Pricing | Zone 1 - Delhi NCR, Surat, Mathura, Aligarh; Zone 2 - Telangana, Mumbai (MMR), Ahmedabad, Vadodra, Nashik; Zone 3 - Pune, Indore, Bengaluru Urban, Rest of Gujarat; Zone 4 - Rest of India Note: 1. Cities above means adjoining cities also 2. Delhi-NCR, Mumbai (MMR) is as defined by Government","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-eligibility-criteria"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available at network providers after submitting a pre-authorisation form and receiving company approval; the insurer pays covered medical expenses to the network provider to the authorised extent.","display":"Available at network providers with pre-authorisation approval","note":null,"quote":"Submit a pre-authorization form to the Company for approval. Only upon due approval from the Company, Cashless Facility can be availed at any Network Hospital. ... If the request for availing Cashless Facility is authorized by the Company, then payment for the Medical Expenses incurred in respect of the Insured Person shall not have to be made to the extent that such Medical Expenses are covered under this Policy and fall within the amount authorized in writing by the Company for availing Cashless Facility.","sources":[{"clause":"19(II)(a)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-a-i-2"},{"clause":"19(II)(a)(v)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511#c-19-ii-a-v"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are processed directly by the insurer in-house, with no third-party administrator used for claim management.","display":"In-house by Care Health Insurance; no TPA","note":null,"quote":"We directly process the claims and they are managed in-house. No Third Party Administrator is used for claim management.","sources":[{"clause":null,"heading":"6. CLAIMS MANAGEMENT","page":8,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-6-claims-management"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, family floater available","note":null,"quote":"How can You cover Yourself | Individual basis (maximum up to 6 persons having equal Sum Insured) or floater basis\nFloater combinations | 2 Adults/ 2 Adults + 1 Child/ 2 Adults + 2 Children/ 2 Adults + 3 Children/ 2 Adults + 4 Children/ 1 Adult + 1 Child/ 1 Adult + 2 Children/ 1 Adult + 3 Children/ 1 Adult + 4 Children","sources":[{"clause":null,"heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514#c-eligibility-criteria"}],"law":[]}],"documents":[{"kind":"wording","label":"Care Freedom - T&C (effective from 3-September-2025 )","pages":45,"fetched_at":"2026-10-20 02:01:35+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-freedom----t&c-(effective-from-3-september-2025-).pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19511"},{"kind":"wording","label":"Care Freedom (IRDAI copy)","pages":53,"fetched_at":"2026-10-20 02:24:39+00","source_url":"https://irdai.gov.in/documents/37343/931203/Religare_Care+Freedom_2015-2016.pdf/971da9ab-8e50-1880-b3db-bffee7381c96?version=1.1&t=1668409372614&download=true","url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/28262"},{"kind":"prospectus","label":"Care Freedom (Health Insurance Product) - Prospectus Cum Sales Literature","pages":43,"fetched_at":"2026-10-20 02:01:37+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-freedom-(health-insurance-product)---prospectus-cum-sales-literature.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19514"},{"kind":"cis","label":"care freedom - customer information sheet","pages":11,"fetched_at":"2026-10-20 01:57:43+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care_freedom_customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19430"},{"kind":"brochure","label":"Care Freedom (Health Insurance Product) - Brochure","pages":8,"fetched_at":"2026-10-20 02:00:07+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-freedom-(health-insurance-product)---brochure.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526/document/19480"}],"versions":[{"uin":"IRDA/NLHLT/RHI/P-H/V.I/36/2014-15","version":null,"approved_on":null},{"uin":"CHIHLIP26052V032526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Care Health Insurance official website","url":"https://www.careinsurance.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"care freedom (UIN CHIHLIP26052V032526), IndiaInsurances, https://indiainsurances.com/policy/care-health-insurance/care-freedom-chihlip26052v032526"}