🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: September 19, 2025
The Care Freedom Plan and Digit Option 3 Super Care Plan are popular health insurance policies catering to different needs. The Care Freedom Plan, offered by Care Health Insurance, is designed specifically for individuals with pre-existing illnesses like diabetes or hypertension, providing coverage without stringent medical check-ups. It features flexible sum insure choices and short waiting periods for pre-existing diseases. On the other hand, Digit’s Option 3 Super Care Plan offers comprehensive coverage including high sum insured, no room rent restrictions, and wide-ranging benefits such as daycare treatments and critical illness cover, but may require more medical disclosures. While Freedom Plan is ideal for those seeking hassle-free coverage for chronic conditions, Digit’s plan suits those looking for extensive protection and higher coverage limits. Your choice should depend on your health requirements and the extent of coverage desired.
Author
Read Bio
Reviewed by
Read Bio
It is important now more than ever to know what health insurance plan fits your needs. The medical inflation, lifestyle changes, and the access needs of India have contributed to health coverage being a major element of a sound financial plan. Two of them include Care Freedom Plan of Care Health Insurance and Digit Option 3 Super Care Plan of Go Digit General Insurance. Which one of them has already established a large following, yet which one best fits you or your family?
It is a straightforward, human-type review of the two options which compares them on major areas. What each plan entails, their advantages and disadvantages, key exclusions and who the plans are most suitable to, we address using examples that anyone can identify with and responding to the most frequently asked questions by users.
Care Health Insurance has a Care Freedom Plan that targets people who may not afford to purchase ordinary health insurance, including people with diabetes, hypertension, aged people, and people who have just come back with some of their health issues.
The Digit Option 3 Super Care Plan is a customizable super top-up health insurance plan provided by the Go Digit General Insurance. It extends your limits of insurances over and above your primary plan and this is appealing to people with existing insurance who need additional insurance cover or those who wish to be highly insured at favorable premium rates.
| Essentials | Care Freedom Plan | Digit Option 3 Super Care Plan. |
|---|---|---|
| Limit to entry age | 75 years | None (could be subject to age restrictions by insurers) |
| Cover ideal: | Pre-existing, seniors | Extending cover of all ages. |
| Sum Insured Range | 3 -10 lakh | -5 lakh -1 crore. |
| Medical check-up required | Usually no | Not usually top up. |
| Diabetes/Hypertension Cover | Day 1 Coverage | Available and waiting period. |
| Cashless Hospital Count | 19000 plus | , 5400 plus. |
| Room Rent Limit | Yes (limited in higher versions) | None in higher versions |
| Installment Asset | Yes | Yes. |
| Maternity Cover | Not included | Not included |
| Health Checkup | Annual | On request/ optional. |
| Tenure of Policy | 1, 2, 3 years | 1, 2 years options. |
| Pre & Post Hospitalization | Included (30/60 days) | Included (30/60/90 days) |
Is it possible to purchase both the Care Freedom and Digit Option 3 Super Care Plan?
Yes, you can. Care Freedom Plan is your base plan and Digit Super Care is bought to top up your needs of hospitalisation sum insured requirements above a deductible.
Each of the two plans has its own strengths. Here’s a quick breakdown:
Pros
Cons
Pros
Cons
The opinion of the experts: Did you know? Most insurance agents suggest in 2025 a combination of an entry-level insurance such as Care Freedom of daily claims and chronic conditions with a super top-up such as Digit Option 3 of rare, high-value, catastrophic medical events. This minimizes the money you will spend on your own pocket with general low premiums.
The details of what is covered in both plans are important in making sure that one is not caught off-guard when making claims.
Premiums are dynamic and are based upon age, medical history, location, sum insured and tenure.
Does the two policies easily provide cashless facility?
Yes, Care Health boasts of the most cashless network, and Digit is growing at a fast pace and needs to be investigated prior to purchasing.
Did you know? By 2025, the two companies have applied AI-based fraud detection and quick claims validation using monitoring, although manual oversight is applied where necessary.
Expert Advice: Some financial planners recommend that users compare a list of major hospitals in and around the area of home or workplace with the partner networks of every particular plan and apply only those that match their preferred network.
Is it possible to change between Care Freedom and Digit Super Care or the other way around?
During the open renewal period, one can switch only on the basis of underwriting and waiting period on any pre-existing conditions.
Care Freedom is simpler and more confidant in case you are in need of chronic conditions or parental care.
In case you would like to cover million-rupee emergencies but would not have to spend much at the outset, Digit Super Care Plan will be more suitable.
Big families or young couples can combine the two to come up with a balance and affordable solution.
| Parameters | Care Freedom Plan | Digit Option 3 Super Care Plan. |
|---|---|---|
| Best For | Diabetes, BP, seniors | Large claims, young families. |
| Older, higher risk premiums | Older, lower deductible premiums. | |
| Entry Age | To 75 old age (no age limit) | |
| Diabetes coverage | yes one day | at the end of the second or third year. |
| Sum insured | Up to Rs 10 lakh | Up to Rs 1 crore |
| Maternity | None | Add-on on certain versions. |
| Existing/existing | Day one (proclaimed) | Waiting period applies. |
| Digital Claims | Partial | App-based, fully digital. |
Is it possible to port my Care plan to Digit and the reverse?
Yes, IRDAI permits portability during policy renewal, but waiting periods on pre-existing ailments have a tendency to restart in case of a change in type of plan.
Are such plans inclusive of COVID19 and other pandemics in 2025?
Both the plans are required by IRDAI to cover hospitalisation due to viral outbreaks including COVID19 with normal terms of the policy.
What does super top-up plans mean by deductible?
A deductible refers to the minimum amount you need to be paid using your own funds or the insurance that you have before the super top-up will be effective, on a policy year basis.
Is it possible to use cashless treatment in any hospital?
Cashless can be used in network hospitals in which the insurer lists the hospital. You should never apply to colleges without first checking the list of latest admissions.
Does it have a critical illness waiting period?
Care Freedom provides faster critical illness claims of already existing diabetes or hypertension whereas digits option 3 generally takes two years of wait before such illnesses.
Better in customer support in 2025?
The two Care Health and Digit have strong helplines and app support, although now the customers are rating Digit higher in digital services and Care in touch with seniors.
How could we improve this article?
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).
Loved by 1M+ users (web). Start your financial journey today!
