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Last updated on: September 19, 2025
The Care Freedom Plan and Digit Bharat X Plan are health insurance products designed for distinct needs. Care Freedom Plan, offered by Care Health Insurance, is tailored for individuals with pre-existing conditions like diabetes or hypertension, offering no mandatory medical tests and coverage for hospitalization and treatment related to these ailments. In contrast, Digit Bharat X Plan by Digit Insurance is a basic, affordable product designed to increase health insurance accessibility in India, offering simplified benefits like hospitalization cover and pre and post-hospitalization expenses but with minimal add-ons. While Care Freedom is ideal for those seeking comprehensive coverage with pre-existing diseases, Digit Bharat X Plan suits individuals or families looking for inexpensive, straightforward health protection. Choosing between them depends on specific health needs and budget priorities.
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The selection of appropriate health insurance in India is a massive step. As medical expenses and illnesses increase, a good medical policy is essential in all households. The Care Freedom Plan and the Digit Bharat X Plan are some of the most popular options nowadays. The benefits of each are differentiated to suit contemporary Indian family in 2025. But what one suits you better than the other? The comparison divides both policies in terms of coverage, benefits, costs, limitations, and simplifies and makes them easy to understand and follow.
Care Freedom Plan is a customized health insurance package that targets the elderly population and the pre-existing conditions patients primarily. Introduced by Care Health Insurance, it contains such critical pain points as high entry age, waiting time, and cashless treatment. The scheme is rather popular among elderly people and individuals who want to get lifetime renewals.
Did you know? An increasing number of health insurance consumers aged over 55 years, more than 40 percent, now choose no-medical-test cover in 2025, which helps them to enrol without hassles.
Digit Bharat X Plan is a Go Digit General Insurance health policy that is modern and digital first. It targets low end premium rates, hassle free claim process, and broader demographic reach including young adults, nuclear families and working individuals in Tier 2 and 3 cities of 2025.
Professionally spouse wisdom: According to IRDAI market reports, Indian health insurance policies have been set in digital claims settlements, thereby reducing the turnaround by 30 percent faster after 2024.
Care Freedom and Digit Bharat X take into consideration the needs of the Indian families in 2025 and are oriented towards clear claim payments, digital connectivity and lowering out of pocket costs.
| Characteristic | Care Freedom Plan | Digit Bharat X Plan. |
|---|---|---|
| Entry Age | Until 75 Years | 18 to 65 Years (adults) |
| sum Insured Options (INR) | 3 lakh 10 lakh | 2 lakh 25 lakh |
| Pre-policy Medicals | No (up to 70 yrs) | Not often. |
| Pre-Existing Disease Wait | 24 months (major states) | 36 months. |
| Cashless Hospitals | 23500 | 11000 |
| Paperless Claim Process | Partially opted | Full digital WhatsApp. |
| Annual Health Check-up | Yes | Yes. |
| Co-payment | None below 70 years of age | Above 60 on select covers. |
Q: Which is better between seniors, Care Freedom or Digit Bharat X?
A: Care Freedom has more senior-friendly choices and zero co-payment to 70 years which makes it better to most seniors.
The Care Freedom Plan is based on legacy approach with online as well as offline claim procedure. The average hospital claims are paid within 2 to 5 working days. The automatic renewal will be without a break in policy.
Digit Bharat X as a digital-first platform allows claiming via WhatsApp, app or site, and in network claims many cases are settled within 1 day. The renewal reminders are also automated and one can roll over a policy through UPI or even by direct debit.
Did you know? By 2025, the Indian health claims in the private sector have nearly 65 percent filed in digital interfaces, which enhanced customer convenience tremendously.
Both plans require premiums based on age, city, amount of sum insured and medical history.
| Age of individual | Care Freedom (Annual) | Bharal X (Annual) Digits. |
|---|---|---|
| 30 | 5700 | 5800 |
| 50 | 13700 | 14100 |
| 65 | 22500 | 23100 |
Note: Numbers are averages and can vary depending on location or health conditions.
Pro tip: To have health plans available, however, never miss the discounts that are offered in January-March every year because in India, it is during this period that insurers introduce their offers.
Care Freedom is not restricted in terms of age entry and is no-questions-asked entry to the majority. Nevertheless, add-on customization is less than new plans.
Digit Bharat X is very flexible and offers options such as maternity, critical cover, accident cover and even daily hospital cash. E-cards are provided to users to use in hospitals and upgrade easily by paying difference in premium.
Q: Can I purchase health insurance of diabetic parents?
A: Care Freedom allows applicants with diabetes to join with their declaration and waiting time, but Digit Bharat X can demand more documents and time.
No insurance program lacks exclusions. These are important concepts that one must understand prior to purchasing any policy.
Insider tip: Look at the fine print on both base covers and add on covers. Almost half of the mis-selling is curbed in 2025 through digital summary pages at the time of purchase.
Care Freedom has combined tele-support and in-branch support. The majority of the queries are answered within 2-3 hours with few cases during peak season.
Digit Bharat X operates a 24x 7 app chat, WhatsApp support as well as email support desk. This system has been much responsive among the younger policyholders especially when minor issues are raised.
Both the insurers have enhanced maturity on complaints resolution in line with the new customer rights guidelines which will be in force since April 2025 by IRDAI guidelines.
Q: How do online renewal of health policy work?
A: In both Care and Digit, it is possible to renew directly online through web portals or mobile applications with simple OTP-based authentication.
The choice of an appropriate health insurance implies how to select the one that is actually appropriate to your health requirements, life stage, and financial flexibility.
Q: Do pre-existing disease policies have a waiting period under all the Indian health insurance policies?
A: Yes, most of the retail health insurance providers, such as Care Freedom and Digit Bharat X have a 24 to 36 months of waiting period on pre-existing diseases.
Dis: Am I able to transfer my policy between Care and Digit or the other way round?
A: According to the IRDAI rules, most retail health plans are permitted to be portably allowed. Switching can be done at renewal without the loss of credits of waiting period.
Q: Are both the plans tax-beneficial as per Section 80D on premium paid?
A: Yes, the premiums made under both the Care Freedom and the Digit Bharat X would be subject to tax deductions under Section 80D in India.
Q: What is the optimum amount of sum insured per family in the year 2025?
A: In case of a nuclear Indian family, a minimum of 10 lakh INR sum insured will be recommended because of inflation and the private hospital expenses.
Q: Does it really mean cashless treatment under such plans?
A: Cashless will be offered in listed network hospitals. The updated hospital network should be checked every time before scheduled admission.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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