Why is Super Mediclaim Called the Superhero of Health Insurance?

Why is Super Mediclaim Called the Superhero of Health Insurance?

Many health insurance companies offer coverage for critical illnesses by paying a lump sum amount to the policyholder upon diagnosis of the illness. However, it's important to note that this fixed amount may not always be sufficient to cover the entire cost of the treatment because often such treatment is prolonged. In such cases, the family has to bear the additional costs of treatment beyond the coverage amount

Here comes Super Mediclaim insurance offered by Care health insurance that offers a solid back up in the times when your basic health insurance fails to meet the expectations. There is no denying that the cost of treating a critical illness can put a huge dent on someone’s pocket. In such a situation when you can’t ignore availing the quality treatment, with a mediclaim policy in place you can ensure quality healthcare without breaking the bank.

Features of Care Super Mediclaim Plan

The Care Super mediclaim plan is a simple plan offering individual and family health indemnity coverage. The plan is available in four variants and provides the flexibility to choose an option as per your requirements like super mediclaim cancer indemnity or heart mediclaim. The table below lists some of the key features of the plan.


Critical Mediclaim (covers 32 specified illnesses)

Cancer Mediclaim (covers defined cancers)

Heart Mediclaim (covers 16 heart-related ailments)

Operation Mediclaim (covers defined surgical procedures)

Sum Insured (₹) 10L, 25L, 50L, 1cr, 2cr
Minimum Entry Age Child - 91 days to 4 years with one member above 18 years, 5 years on an individual basis Adult - 18 years and above
Maximum Entry Age 50 years
Pre-policy medical screening Not required
Policy Tenure 1 year, 2 years and 3 years
Relations Covered Individual - A maximum of 6 individuals are covered Family - Self, spouse, son, daughter, parents, parents-in-law, grandparents, grandson, granddaughter, uncle, aunt, nephew, niece or anyone with insurable interest.

Benefits of Care Super Mediclaim Plan

The plan provides sufficient financial support to cover life-threatening diseases and protects your finances against expensive medical treatments. The benefits of the plan are as follows.

  1. The plan is flexible, offering disease-specific benefits and easy to understand.
  2. It offers preventive care through annual health check-ups for all the insured members.
  3. It allows you to reduce premiums through deductible, co-pay and flexible tenure options.
  4. It offers counselling services from a psychologist through the ‘Quick Recovery Counselling’ feature.
  5. With No claim bonus, you can double your sum insured in 3 claim-free years.

Super Mediclaim Plan Details

The plan offers comprehensive coverage for a wide range of life-threatening diseases and protects you like a superhero in your time of need. Here are the coverage details of the plan.

In-patient Care

It covers a minimum of 24 hours of hospitalisation on a cashless or reimbursement basis, up to the sum insured. It covers room rent, nursing charges, doctor’s fees, OT charges, anaesthesia, blood, and oxygen charges.

Day care Treatment Cover

All listed treatments that require less than 24 hours of hospitalisation are covered up to the sum insured.

Pre and Post-hospitalisation Medical Expenses

Medical examination, tests and medicine expenses are covered up to the sum insured for 30 days immediately before the hospitalisation. All medically necessary expenses during your recovery after discharge from the hospital are covered for 60 days after the discharge.

Chemotherapy and Radiotherapy Cover

Chemotherapy and radiotherapy are covered up to the sum insured if a cancer claim is accepted under hospitalisation benefit.

Dialysis Cover

Dialysis is covered up to the sum insured if you have already raised a claim under hospitalisation benefit for the same disease.

Ambulance Cover

Ambulance expenses are covered up to a specified amount per hospitalisation. Not that ambulance coverage is available only for the covered illnesses under the plan.

Organ Donor Cover

Expenses incurred by you for your organ donor are covered up to a specified limit if you are undergoing organ transplant surgery.

Alternative Treatments

Sometimes alternative treatments along with conventional medical treatments speed up the recovery. Treatments under Ayurveda, Unani, Siddha or Homeopathy are covered up to a specified limit.

Second Opinion

The second opinion is covered once every illness if you are not sure about your diagnosis. It is available for every insured member and does not impact your sum insured.

No Claim Bonus

If you do not raise a claim in a policy year, you get a No claim bonus of 50% for the first claim-free year, 25% for the second claim-free year and 25% for the third claim-free year on a cumulative basis. In case you raise a claim, the accumulated bonus is reduced at the same rate.

Health Services

The plan offers health services like counselling services for quick recovery, doctors on call (available on the telephone or online mode) and a health portal.

Global Goverage

It is available if you opt for a sum insured amount of ₹ 1 cr or above. It covers hospitalisation expenses outside India for 45 days in a single trip and for 90 days on a cumulative basis in a policy year. Only hospitalisation expenses are covered under global coverage.

OPD Expenses

It covers OPD consultations, diagnostic examinations and medicine bills for covered diseases up to a specified limit. OPD expenses are covered only if a claim is raised for hospitalisation expenses for the same illness.

In addition to these benefits, there are optional benefits also available under the plan which you can include in your coverage on payment of an additional premium. These optional benefits include International second opinion, unlimited automatic recharge, additional sum insured for accidental hospitalisation, room rent modification, air ambulance cover, reduction in PED waiting period, etc.

Make Care Health Insurance Your Super Hero

If you feel like your existing health insurance is not enough to cope up with the ever-rising treatment expenses of any critical illness, you can consider our super top up mediclaim policy. The policy not only offers coverage for a long listed critical illness but also for heart ailments and types of cancer as well. No doubt super top up mediclaim insurance like this will supplement your existing coverage by just making it double. Hence, make Care Health Insurance your superhero today for taking care of your health and wealth. 

>> Also Read: How to Check Mediclaim Status Online?

Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.

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