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Last updated on: September 19, 2025
The Care Freedom Plan and the Digit Double Wallet Plan are both health insurance options, but they cater to different needs. The Care Freedom Plan, offered by Care Health Insurance, is tailored for individuals with pre-existing conditions like diabetes and hypertension, providing easier access and fewer restrictions for those with medical histories. It covers hospitalization, day care, and related expenses, making it suitable for those seeking comprehensive coverage with health issues. In contrast, Digit’s Double Wallet Plan stands out due to its unique ‘wallet’ benefit that restores the sum insured even after claims, ensuring continuous coverage for multiple or repeated illnesses within the same policy year. While Care Freedom focuses on inclusive entry and specialized coverage, Digit’s plan emphasizes ongoing financial protection. The right choice depends on your health profile and need for continuous claim support versus entry flexibility with pre-existing conditions.
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Locating the best health insurance in India is not a matter of comparing the insurance premiums. Plans such as Care Freedom Plan and Digit Double Wallet Plan are currently under intense consideration in 2025 with the current increase in medical cost and more life threatening illnesses. These two health covers have a lot to offer though what cover best fits your specific needs? We can juxtapose the two, discuss their main peculiarities, the advantages and disadvantages, and the opinion of experts - all in simple, clear Indian language.
Care Freedom Plan by Care Health Insurance (formerly Religare Health Insurance) is a special health cover that is specifically designed to suit specific lifestyle diseases such as diabetes, high blood pressure or those with high BMI. Introduced to offer hassle-free cover without any major medical examination, it is aimed at older adults or those who might have a problem accessing traditional health insurance.
Digit Health Insurance has something exclusive, namely, Digit Double Wallet Plan. This plan is characterized by technology driven claims which automatically doubles your sum insured when you fail to make any claim in the course of the year thus provides you with higher coverage at no extra cost in the subsequent policy year. It is targeted towards the digitally savvy users and the families and is offered with some customized add ons to provide a more comprehensive protection.
Professionals Opinion: As per top insurance consultants, the plans that have sum insured enhancement benefits will be one of the leading trends in 2025, because of the increasing inflation in medical prices.
Majority of the health insurance buyers desire maximum claim settlement ratios, no-coins network hospitals, least paperwork and stage-of-life specifications.
PROS
CONS
Did You Know? In India, over 70 percent of policy buyers who are aged citizens have pre existing diabetes or hypertension, which influences their policy decision making.
PROS
CONS
| Characteristic | Care Freedom Plan | Digit Double Wallet Plan |
|---|---|---|
| Entry Age | 18 to 75 years | 18 to 65 years |
| Pre Policy Medical Test | Not necessary in most cases | Not necessary in case of no illness |
| Sum Insured Choices | 3-20 lakhs | 2-25 lakhs |
| None Claim Bonus/Boost | Recharge of sum insured | Twice sum insured (cap limit) |
| Chronics/Pre Existing Cover | Yes, after 2 years wait | Yes, after 2-3 years |
| Room Rent Cap | No | No |
| Cashless Hospital Network | 20000 plus | 10000 plus |
| Digital Features | Limited | Extensive app, paperless |
| Wellness/Check Ups | Yes | Yes, more detailed |
| Best in | Older, chronic illnesses | Middle-aged, computer users |
Q. Does it mean that my claim will be denied in case I conceal a pre existing condition under Care Freedom Plan?
A. Claim may be dismissed when you fail to reveal your medical history. Always tell all conditions with the truth.
Did You Know? According to the data provided by the IRDAI, more than 40 percent of Indian insurance purchasers choose at least one of the add on features to obtain customized health cover.
Expert Review: Network hospital tieup is one of the parameter that has been recommended by IRDAI and should be one of the main parameters that would be checked prior to purchasing your policy because you will be able to get cashless and you will not face any claim refund due to technicalities.
| Flat rate | Care Freedom Plan | Digit Double Wallet |
|---|---|---|
| Annual Premium (Rs) | 14,250 | 11,900 |
| Pre Existing Wait Period | 2 years | 2 years |
| Waiting period Maternity | Not covered | 3 years (Optional) |
| Health Check Up | Yes | Yes |
| Family Floater Option | Yes | Yes |
Care and Digit have high claim settlement in the year 2025. Care Health has CSR of over 95 percent and Digit has 94 percent, which are both very good in the industry. Nevertheless, according to the user reviews, the digital claim process at Digit is a little more pleasant, and the older generation favours the old.
Q. What is the best policy to diabetics older than 60?
A. Care Freedom Plan is more suitable to this group is because of the focus on chronic care and broad range of entry age.
Q. Is Digit Double Wallet unlimited in the sum insured?
A. No, sum insured can be doubled to some pre decided limit in your policy document.
Q. Is it possible to purchase both plans and be doubly insured?
A. You can purchase more than one policy and take the benefits as per the IRDAI regulations, typically one policy will cover one hospitalisation.
Q. What about changing Care Freedom to Digit plan in the future?
A. The policy can be ported at the renewal date based on IRRD portability regulations, underwriting conditions.
Q. Are both plans inclusive of COVID 19 and new pandemics in the year 2025?
A. The plans have incorporated both the COVID and any other future pandemics as required by the IRDAI standards.
Q. Which insurer offers a greater number of cashless hospitals in the rural areas?
A. Care Health Insurance would tend to cover more pan India hospital network comprising of Tier 2 and 3 cities.
Q. Am I eligible to get multi year premium discount?
A. Yes, the two policies have discounts on two or three years upfront payment.
Q. What are the documents that are needed to purchase Care Freedom or Digit Double Wallet Plan?
A. Simple KYC, health statement, and age document - no medical examination is needed unless stated disease is there.
Q. Are NRI or expatriate Indians eligible to these covers?
A. Policy must be living in the state of India in order to be valid. In the case of NRIs, the insurers provide special coverage.
Q. Claiming preventive check ups, how?
A. Both the insurers have preventive check up reimbursement or bind up with their diagnostic partners on an annual basis.
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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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