Introduction
Before we start comparing these two policies we have to set out some ground rules.
For starters, both policies, Care Freedom plan and Care Plus Youth are marketed by the same insurance company. So in some ways, a lot of the differences within the product will be limited to the features themselves.
Second, we know that both products have massive differences in their core structure. Care Freedom plan is specifically designed for people suffering from complicated ailments. However, Care Plus Youth is quite comprehensive. It offers considerable protection and it doesn’t impose as many restrictions. So in many ways, you’re comparing apples and oranges here.
And finally, any comparison is ultimately futile without considering the use case. Who are you buying this policy for? You, your family, your parents?
That’s something you’ll need to answer before using this guide. So with that introduction out of the way, we can get to comparing the actual policies themselves.
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Compare Insurances Insurance Parameters Recommended Not Recommended | ||
---|---|---|
Network hospitals | 16,000+ | 16,000+ |
Claim settlement ratio (avg. of last 3 years) | 90% | 90% |
Co-payment | 20% | No |
Room rent | Shared Room | Single Private room |
Disease sub-limit | Yes | No |
Pre existing diseases waiting | 2 years | 3 years |
Pre/Post hospitalization | 10% of hospitalization expenses | 60/90 days |
No claim bonus | 50% per year (up to 200%) | |
Domiciliary | ||
Ayush treatments | ||
Restoration benefit | 100% restoration (once for different illness) | 100% restoration (unlimited no. of times for any illness) |
Health check-up | Once every year | Once every year |
Maternity | ||
Out Patient Department | Up to ₹1,500 (cap of ₹350 on each consultation) | |
Day care |
Feature Comparison
![coPay](/static/aeda66c86d59dde2f685fc4e49f887c9/da848/CoPay.png)
![coPay](/static/aeda66c86d59dde2f685fc4e49f887c9/da848/CoPay.png)
Co payment
With a co-payment clause, the insurer will mandate that you pay a part of the bill. So if the bill adds up to Rs. 2,00,000 and the co-payment is set at 20% then you could be asked to pay Rs. 40,000 from the bill. In this case, however, Care Freedom plan imposes a co payment of 20% if you're under the age of 70 and 30% if you're 71 and above whereas Care Plus Youth doesn’t impose a co-payment clause.
![roomRent](/static/46397637a71f36b088231f5ecadae6d8/da848/RoomRent.png)
![roomRent](/static/46397637a71f36b088231f5ecadae6d8/da848/RoomRent.png)
Room rent
If the policy does impose room rent restrictions then the insurer may only let you stay in a room of a certain specification or impose a cap on the total room rent. If you were to breach either criterion then the insurance company may ask you to pay a portion of all the expenses you incurred while staying in the room. In this case, however, Care Freedom plan lets you stay in Shared Room and Care Plus Youth lets you stay in a single private room. In effect, both policies impose restrictions on the kind of room you can pick.
![diseaseSublimit](/static/93da39f0f25a303549a8c756a92f36f8/da848/SubLimit.png)
![diseaseSublimit](/static/93da39f0f25a303549a8c756a92f36f8/da848/SubLimit.png)
Sub limits
Some policies will tell you that they will cover all medical expenses up until the sum insured, but then impose caps on the total costs you can incur while dealing with a very specific list of diseases. We call these caps “Disease Wise Sub Limits.” In this case, Care Freedom plan imposes disease-wise sub-limits on Cataract, Knee Replacement, Hernia, Hysterectomy, Benign Prostate Hypertrophy, Renal Stones, Cancer, Cerebrovascular & Cardiovasular disorders whereas Care Plus Youth doesn’t impose a disease wise sub-limit.
![ped](/static/aa7ae49eb240b53028159d03deabc097/da848/PedWaiting.png)
![ped](/static/aa7ae49eb240b53028159d03deabc097/da848/PedWaiting.png)
Waiting periods for pre-existing diseases
If you’re suffering from a lifestyle condition or if you’ve had surgery in the past, or if you’re dealing with an acute or chronic illness at the time of buying the policy, then the insurer may classify this as a pre-existing disease. And they may tell you that they will only cover these illnesses after some time. In this case, Care Freedom plan imposes a waiting period of 2 years on pre-existing diseases while Care Plus Youth extends a waiting period of 3 years on existing conditions.
![prePost](/static/49df58ecab7e5338207151e77985ec6a/da848/PrePost.png)
![prePost](/static/49df58ecab7e5338207151e77985ec6a/da848/PrePost.png)
Pre and post Hospitalization expenses
Most people aren’t hospitalized right off the bat. Instead, they’ll have to go through a whole series of diagnostic tests before hospitalization and take medication post-discharge. These costs are outlined as pre-hospitalization expenses and post-hospitalization expenses respectively. In this case, Care Freedom plan covers 10% of hospitalization expenses incurred. Meanwhile, Care Plus Youth covers expenses incurred 60 days before hospitalization and expenses incurred 90 after hospitalization, although there may be different sub-limits
![ncb](/static/7f8dd86dc2916196f202009cb6c2f588/da848/NoClaimBonus.png)
![ncb](/static/7f8dd86dc2916196f202009cb6c2f588/da848/NoClaimBonus.png)
No claim bonus
Some policies will tell you that they will incentivize you for not making a claim in any given year. And they offer such incentives by offering extra cover on top of the existing sum insured. This extra cover is categorized as a no-claim bonus. In this case, however, Care Freedom plan doesn’t offer a no-claim bonus whereas Care Plus Youth offers a no-claim bonus.
![domiciliary](/static/0e0b24ceee6fda1fda96274d8212937c/da848/HomeCare.png)
![domiciliary](/static/0e0b24ceee6fda1fda96274d8212937c/da848/HomeCare.png)
Domiciliary
Imagine you are forced to treat yourself at home because you don’t find a hospital bed, or you have a chronic condition that prevents you from visiting one, then, insurers may choose to cover your treatment even if you’re hospitalized at home. And such costs are collectively categorized as domiciliary treatment costs. In this case, however, Care Freedom plan offers domiciliary cover. And Care Plus Youth also coves domiciliary expenses.
![ayush](/static/ddccf665fc0330cffe71982d5e37241e/da848/Ayush.png)
![ayush](/static/ddccf665fc0330cffe71982d5e37241e/da848/Ayush.png)
Ayush treatments
Most policies only cover treatments administered in a registered medical facility. However, on some occasions, you may want to pursue alternative treatments including homoeopathy, Ayurveda, Unani and Siddha. These treatments are collectively categorized as Ayush treatments. And in this case Care Freedom plan doesn’t extend coverage for Ayush treatments whereas Care Plus Youth covers Ayush treatments.
![maternity](/static/9e5c3f6bbc5a41d33bb99ed3eda125e0/da848/Maternity.png)
![maternity](/static/9e5c3f6bbc5a41d33bb99ed3eda125e0/da848/Maternity.png)
Maternity benefits
If you’re hospitalized during childbirth, then you may have to incur significant costs during delivery of your newborn, child care and other related matters during the course of the hospitalization. These costs are collectively termed maternity costs. And in this case, neither Care Freedom plan offers maternity cover nor does Care Plus Youth.
![opd](/static/4b7a7e071e5ad247e7e2113fa102c90f/da848/Opd.png)
![opd](/static/4b7a7e071e5ad247e7e2113fa102c90f/da848/Opd.png)
Out Patient Department (OPD)
Doctor visits and regular consultations aren’t usually covered by health insurance policies. They are categorized as Outpatient consultations (or OPD treatments) and patients have to bear the cost on their own. In this case, however, Care Freedom plan doesn’t offer OPD protection whereas Care Plus Youth offers OPD cover.
Final Conclusion
Since this isn’t a fair comparison, to begin with, we will only tell you this much. If you want something that’s comprehensive, you could go for Care Plus Youth. However, if you are specifically looking to buy a policy for people suffering from complicated ailments, then you may want to consider Care Freedom plan.
Other Care Freedom plan Comparisons
Other Care Plus Youth Comparisons
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