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Health insurance can help you save tax under section 80D

Critical Illness Insurance

Affordable Mediclaim Policy for 32 major critical illness

Details Plan starts at 74/month*

Get insured for 25 Lakh

158/month*

50 Lakhs*
281 /month
1 Crores*
422 /month
2 Crores*
495 /month
10 Lakhs*
74 /month

CASHLESS HEALTHCARE PROVIDERS

LOW PREMIUM & HIGH COVERAGE

COVERS 32 CRITICAL DISEASES

EASY INSTALLMENT OPTIONS AVAILABLE

Are you interested in our plan?

About Critical Illness Insurance

Critical illness insurance is also known by other terms such as dread disease policy. It is one of the most critical insurance policies one should opt for these days. In a critical illness insurance policy, the insured person is provided a financial compensation in case the person is diagnosed with any of the critical illnesses that are pre-defined in the policy.

The list of critical illnesses may vary from one insurance policy to another. It is important to check these details explicitly before signing up for the policy. Care Health Insurance’s(formerly known as Religare Health Insurance Company Limited) critical illness insurance policy offers you coverage against over 32 critical illnesses. A lot of people consider this type of insurance policy as a “bolt-on” for their life insurance policy. These policies generally provide you financial support against medical treatments, recuperation, etc.

About Care Health Insurance(formerly known as Religare Health Insurance Company Limited)

Care Health Insurance(formerly known as Religare Health Insurance Company Limited) is a leading health insurance provider in India. Our endeavour is to help individuals and families deal with the huge treatment costs for serious illnesses by providing them with a customised health plan covering 32 major critical illnesses. We are committed to delivering impeccable services by providing health insurance & specific geographic travel insurance while guaranteeing the benefits of hassle-free claims procedures.

  • Upto SI for at least 24 Hours of hospitalization.
    In-Patient Hospitalization - Critical Mediclaim Benefits

    In-Patient Hospitalization: Upto SI for at least 24 Hours of hospitalization.

  • Hospitalization required for less than 24 hours for listed treatments.
    Day Care Treatment - Critical Mediclaim Benefits

    Day Care Treatment: Hospitalization required for less than 24 hours for listed treatments

  • Doctor consultation, Pharmacy & Diagnostic examination expenses covered.
    OPD Expenses - Critical Mediclaim Benefits

    OPD Expenses: Doctor consultation, Pharmacy & Diagnostic examination expenses covered

  • Covers expenses incurred for chemo and radio therapy.
    Chemotherapy & Radiotherapy Cover - Critical Mediclaim Benefits

    Chemotherapy & Radiotherapy Cover: Covers expenses incurred for chemo and radio therapy

  • The insured members can avail coverage for Dialysis up to Sum Insured amount.
    Dialysis Cover - Critical Mediclaim Benefits

    Dialysis Cover: The insured members can avail coverage for Dialysis up to Sum Insured amount.

  • Covers medical expenses incurred towards your organ donor.
    Organ Donor Cover - Critical Mediclaim Benefits

    Organ Donor Cover: Covers medical expenses incurred towards your organ donor.

  • Covers Ayurveda, Unani, Sidha and Homeopathy treatment.
    Alternative Treatments - Critical Mediclaim Benefits

    Alternative Treatments: Covers Ayurveda, Unani, Sidha and Homeopathy treatment

  • Covers medical expenses 30 days before hospitalization and 60 days after discharge.
    Pre Hospitalization & Post Hospitalization - Critical Mediclaim Benefits

    Pre Hospitalization & Post Hospitalization: Covers medical expenses 30 days before hospitalization and 60 days after discharge.

  • 50%/25%/25% corresponding increase in SI for 1st ,2nd , 3rd claim free policy years.
    No Claim Bonus - Critical Mediclaim Benefits

    No Claim Bonus: 50%/25%/25% corresponding increase in SI for 1st ,2nd , 3rd claim free policy years

  • Annual health check-up for insured member.
    Annual Health Checkup - Critical Mediclaim Benefits

    Annual Health Checkup: Annual health check-up for insured member

  • Psychologist Counseling expenses covered.
    Quick Recovery Counselling - Critical Mediclaim Benefits

    Quick Recovery Counselling: Psychologist Counseling expenses covered

  • Consult doctors on a call.
    Doctor On Call - Critical Mediclaim Benefits

    Doctor On Call: Consult doctors on a call

  • Avail Hospitalization expenses outside India with a mandatory co-payment of 10 % per claim.
    Global Coverage - Critical Mediclaim Benefits

    Global Coverage: Avail Hospitalization expenses outside India with a mandatory co-payment of 10 % per claim.

  • Covers expenses for consultation from international medical experts excluding India.
    International Second Opinion - Critical Mediclaim Benefits

    International Second Opinion: Covers expenses for consultation from international medical experts excluding India

  • Room rent modification as per specified sum insured.
    Room Rent Modification - Critical Mediclaim Benefits

    Room Rent Modification: Room rent modification as per specified sum insured

  • Avail air ambulance service up to specified amount and severity of illness.
    Air Ambulance - Critical Mediclaim Benefits

    Air Ambulance: Avail air ambulance service up to specified amount and severity of illness

  • Covers charges for availing ambulance service in India.
    Ambulance Cover - Critical Mediclaim Benefits

    Ambulance Cover: Covers charges for availing ambulance service in India

  • No Limit on ICU Charges.
    No Limit On ICU Charges - Critical Mediclaim Benefits

    No Limit On ICU Charges: No Limit on ICU Charges

More features
Plan Name Critical Mediclaim
Sum Insured (SI) – on annual basis (in Rs.) 10L,25L,50L,100L,200L
Benefits
Hospitalization Expenses
In-Patient Care Up to SI
Day Care Treatment Up to SI
Pre-Hospitalization and Post-Hospitalization 30 days/60 days
Chemotherapy and Radiotherapy Cover Up to SI
Dialysis Cover Up to SI
Ambulance Cover Up to Rs 3000 per hospitalization
Organ Donor Cover Up to SI or 15 L whichever is lower
Alternative Treatments Up to 25% Sum Insured
Second Opinion Once per Covered Condition per policy year
No Claims Bonus(NCB)* 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
International Second Opinion# Once per Covered Condition per policy year
Room Rent Eligibility Single Private Room/No Limit^
Air Ambulance Cover# Up to Rs 5 Lakhs
Annual Health Check-up Annual from 2nd Policy Year on Continuous Coverage
Health Services
Quick Recovery Counseling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call Yes(Telephonic/Online Mode)
Health Portal Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim)
OPD Expenses (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000
Health Services
Quick Recovery Counseling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call Yes(Telephonic/Online Mode)
Health Portal Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim)
OPD Expenses (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000

#Optional Benefit. ^with optional benefit Room Rent Modification.

More Benefits
Plan Name Critical Mediclaim
Sum Insured (SI) – on annual basis (in Rs.) 10L,25L,50L,100L,200L
Covered Conditions(Illnesses/Diseases/Surgeries) 32 Critical illnesses (view list of covered illness)
Entry Age 5 years to 50 Years on Individual Basis
Pre-policy Issuance Medical Check up No Medicals required##
Tenure 1/2/3 Years
Premium Payment Mode*** Single/Monthly
Sub Limits:
Room Rent Eligibility Single Private Room/No Limit^
ICU Charges No limit
Wait Period:
Initial Waiting Period 90 Days
Pre-existing Disease 48 months

*** Terms and Conditions Applicable. ##at the discretion of the Underwriter. Note: Other SI / Age band options also available.

The Insured Person may access health related information and services such as health risk assessment, Doctor on chat, Special rates for OPD, Diagnostics and Pharmacy through Network Providers , etc as available on the Company's website.

Salient Features

  • Search the best deal in your location
  • Discount on all Healthcare and wellness services like Doctor Consultations, Diagnostics, Pharmacy, Dental Consultation and treatment
  • Comprehensive details on Doctors like qualification & appointment details.
  • Access to Right Healthcare Service, at right time and place.
  • Symptom tracker
  • Ailment to specialty tracker
  • Automated discount coupon download
  • 24x7 on call support

Why Choose CARE HEALTH INSURANCE?

23 Lakh+ Total Claims settled^

Awarded as Claims Leader of the Year

Cashless claim processing in approx. 2 hours

24 x 7 Claims Service Support

One serious illness in the family and your financial planning goes for a complete toss. We do understand this and therefore promise stability and lifelong commitment to your well-being. Care Health Insurance(formerly known as Religare Health Insurance Company Limited) offers a comprehensive medical solution for you and your loved ones. Health is wealth, and it’s time you knew!

Let’s Promise to keep your HEALTH SECURE

Customer Testimonials

Thank you very much for the prompt, helpful and courteous way you handled my claim. I'd like to thank-you very much indeed for the very professional and sympathetic way you have handled this claim for me.This has been a very difficult time for me and not all the person I've had to deal with have been as understanding as yourselves. Thank-you so much for making it as easy as it has been.

Bhanu Prakash

26 May 2018

Dear Care Health Insurance team – I wanted to take this opportunity to thank you, especially Virender Kumar, for the smooth handling of the cash less claim. Virender was very proactive and helpful which made an otherwise stressful situation a bit easy to handle. Thank you again for all your help. Also have a query about Pre Op and Post Op claims. Is there a specific time period within which I have to claim these costs. The date of the surgery was 26th May.

Himanshu Gulati.

26 May 2018

I would like to share my experience of claim process for the medical policy which I had for my parents. Process was very smooth and with very effective time management, Vivek did an super active/fast process for TPA final approval. I thank to all of you for the help and special thanks to Vivek for his course of action. I would like to mention please change the spelling of my Father Name from Ajeet Kapoor to Ajit Kapoor , clerical mistake.

Anubhav

30 May 18

Never ignore the little Signals your Body gives you

Meena was a busy mother and home maker. Between keeping up with the kids' school schedules, their homework and assignments and extra-curricular activities and running a well-kept home

Early Treatment Translates into Superior Outcomes

Imagine a fire that starts due to spontaneous combustion of dry leaves in a forest. Feeding on the twigs and bushes nearby, it spreads.

Misconceptions around Hereditary Diseases

When it comes to little Vedant having his maternal grandmother’s perfectly-chiselled nose or his dad’s dark curly hair, the similarities lead us to conclude that these features were inherited or hereditary.

FAQs on Critical Illness Insurance

Critical Illness Insurance plan provides coverage against the following critical illnesses:

  • Cancer
  • End-Stage Renal Failure
  • Multiple Sclerosis
  • Benign Brain Tumor
  • Motor Neuron Disorder
  • End-Stage Lung Disease
  • Major Organ Transplant
  • Coronary Artery Bypass Graft
  • Stroke
  • Paralysis
  • Myocardial Infarction
  • Coma
  • Blindness
  • End-Stage Liver
  • Disease
  • Bacterial
  • Meningitis
  • Aplastic Anemia

You need critical illness insurance to keep yourself prepared financially in case of emergencies such as heart attack, cancer, tumor, etc. Since the expenses incurred in treating these ailments would normally not be covered through a regular mediclaim policy, these types of plans will help you take care of the expenses you fall short of.

Terminal illness is a term used for the medical issues where the diagnosis states that illness would lead to the death of the person within a year of diagnosis.

On the other hand, critical illness is a term used for medical issues pertaining to an injury, medical condition that is serious.

A regular health insurance plan would cover the expenses of your medical bills and hospitalization expenses. However, they do not offer coverage against the critical diseases where the treatment lasts for a very long time. But when you take a critical illness health insurance, it would offer you the coverage you get in the regular policy along with the coverage against some life-threatening critical illnesses such as cancer, organ transplant, etc.

Although the premiums of the critical illness health insurance would often be higher in comparison to the regular health insurance plans, it is advisable that you take this plan in case history or critical illnesses pertain in your family.

*Sum Insured – Rs. 10/25/50 Lakhs & 1/2 Crore, Age – 18 to 25 years, Monthly Premium Payment Mode including optional benefits, Policy Period – 2 years. Exl GST.

Award at the Insurance India Summit & Award 2018

^Claim settlement ratio is for FY 19-20 and ^number of claims settled as on June 30, 2020

Call:1800-102-4488|1800-102-6655

Disclaimer: This is only summary of selective features of product SUPER MEDICLAIM (Critical Mediclaim) For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

Please seek the advice of your insurance advisor if you require any further information or clarification.

UIN: CHIHLIP18033V011819. UAN: 19032887

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