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The pandemic has raised the alarm on the uncertainty of life. The unpredictable spread of diseases and infections has shaken healthcare services worldwide. What seems to be mild symptoms may lead to a severe medical condition if not diagnosed timely and appropriately. What’s worse is the skyrocketing healthcare cost that makes complex medical treatment unbearable for Indian families.
Care Health Insurance presents—critical illness insurance—our exclusive healthcare cover that promises comprehensive coverage for 32 chronic diseases, including cancer, stroke, paralysis, and others. Throughout your illness and recovery phase, we offer unwavering financial and healthcare support in the form of sufficient sum insured, valuable benefits, and quick claim settlement. Our primary aim is to help you fight back life’s most challenging conditions while we take care of everything, from funds for tests and diagnosis to treatment and therapies.
Read on to learn more about our insurance plans for serious medical conditions.
You need a health cover for long-term illnesses today, more than ever, because of the rising frequency of serious conditions in India worsened by unaffordable healthcare costs. The ongoing pandemic is the living evidence of how medical treatment costs are shooting through the roof. Besides, here are some other reasons that necessitate the need for the best critical policy in India-
Ideally, anyone who aims to lead a stress-free life without fears of chronic emergencies knocking doors and causing financial losses should purchase chronic illness medical cover. Also, people with a family history of acute diseases, like cancer, stroke, etc., should consider buying critical insurance to secure medical finances whenever the need arises. If you, too, face the dilemma of “Do I need critical illness cover?”, read the following scenarios that necessitate the purchase of insurance for critical diseases-
|Factors||Health Insurance Policy||Critical Illness Policy|
|What is included?||Health insurance is a kind of insurance that covers hospitalization expenses for treating standard ailments that might not cover critical diseases.||A policy for critical illnesses is a kind of health insurance that largely covers expenses for treating specified life-threatening diseases like stroke, paralysis, kidney failure, among others.|
|How can you cover yourself and others?||Individual basis Family float basis-Up to 2 adults and 4 children.||Only on an individual basis|
|Minimum Entry Age||Individual- 5 years Floater- 91 days with at least 1 individual of 18 years or above||Individual- 5 years Adult- 18 years or above|
|Minimum Exit Age||Lifelong||Lifelong|
|Waiting Period||Initial 30 days for any illness 24 months for pre-existing/listed diseases.||Initial 90 days for any illness 24 months for pre-existing/listed conditions.|
|Sum Insured & Policy Tenure||Sum Insured- Up to 10 Lakhs Policy Tenure- Up to 3 years||Sum Insured- Up to 2 Crores Policy Tenure- Up to 3 years|
With Care Health Insurance, you receive the most valuable critical illness medical insurance covering 32 chronic conditions, from cancer and brain tumor to organ transplant and blindness. With our vast network of healthcare providers across India, we facilitate a seamless treatment of unexpected medical conditions by sharing the financial burden of hospitalization along with the following policy features-
Read through our critical illness cover document to learn more about the policy features.
Under supe critical illness health insurance, you receive comprehensive coverage coupled with beneficial medical care offerings, as given below-
Pre and Post-hospitalization Medical Expenses
Ensure financial backup during tests and recovery phase with 30-days pre and 60-days post-hospitalization coverage.
In-patient Hospitalization and Day Care Treatment
Avail cashless hospitalization for in-patient care and coverage for over 15 daycare treatments, including advanced technology methods.
Chemotherapy and Radiotherapy
Rest assured during therapy sessions with CHIL’s critical illness insurance covering cancer and unerlying chemotherapy and radiotherapy coverage up to the sum insured.
Ensure financial backup for the post-hospitalization phase with dialysis coverage under specific critical conditions up to the sum insured.
Get yourself timely medical care without worries about transportation costs as we cover ambulance fees up to a specified amount.
OPD Expenses with Pharmacy
Attend to your medical needs while we cover OPD expenses, including diagnostic examinations and pharmacy bills up to a specified amount.
Utilize our value-added services of quick recovery counseling, doctor on call, and digital health portal to keep up with your health.
No Claim Bonus
Celebrate claim-free years as we offer up to a 100% increase in the policy’s sum insured to give you better coverage every year.
Like a cherry on the cake, Care Health Insurance optional benefits under the critical illness mediclaim add to its utility by serving customers with unique health needs. We have planned these additional covers keeping in mind the necessities of people with serious conditions.
Under our chronic illness list of 32 medical conditions, we offer coverage across the most unprecedented health complications and surgeries to ensure you get optimum protection. Here are the chronic illnesses that we cover-
|Cancer||End-Stage Renal Failure||Multiple sclerosis||Benign brain tumor|
|Motor neuron disorder||Heart Valve Replacement/repair||Coronary Artery Bypass Graft||Parkinson’s disease|
|End-stage lung disease||Surgery of aorta||Pericardiectomy||Alzheimer’s disease|
|Bacterial meningitis||Cardiomyopathy||Surgery to Place Ventricular Assist Devices or Total Artificial Hearts||End-stage liver disease|
|Major organ transplant||Surgery for cardiac arrhythmia||Stroke||Pulmonary Thromboembolism|
|Implantable Cardioverter Defibrillator||Angioplasty||Paralysis||Aplastic Anaemia|
|Major burns||Balloon Valvotomy/Valvuloplasty||Myocardial infarction||Primary (Idiopathic) Pulmonary Hypertension|
|Blindness||Cardio Artery Surgery||Implantation of Pacemaker of Heart||Infective Endocarditis|
The policy excludes claims deriving from the following causes:
The healthcare premium is deductible under Section 80D of the Income Tax Act of 1961. You can purchase the policy for self, spouse, or dependent children and avail of tax deductions on the premium paid.
You can claim deductions based on your age and the selected plan. Here are the tax benefits you can get on the premium you pay for necessary illness policy:
As you look forward to buying insurance for critical illnesses, you will be surprised by the numerous types of coverage available at CHIL. We have customized the plans covering chronic diseases to match your needs and budget. Before you finalize the purchase, here are a few tips to make a quick critical illness insurance comparison in India-
Convenient Policy Selection
Don’t worry about scheduling countless appointments to comprehend policy details. We offer an all-digital policy selection experience wherein you can study, compare, choose, and pay for our critical illness policy in India from anywhere, anytime.
Chat Option for Queries
Our team is always available for all your queries concerning the terms and conditions of our healthcare policies. You can use the live chat option to discuss any policy-related matter at your convenience.
Instant Premium Quote Calculation
We facilitate digital critical illness insurance premium calculators to help you opt for customized mediclaims for yourself and your loved ones.
Secure Payment Modes
Our policy portals ensure digitally secure payment options, including credit/debit cards or net banking. Once issued, you will receive authentic policy documents immediately.
Transparent Policy Evaluation
What we promise is what you get in times of medical emergencies. Our policies for chronic diseases include all the terms and conditions for your ready reference.
Readily Available Value Added Services
As constant support during your prolonged illness, we offer helpful healthcare services like doctors on call to consult an expert in real-time, recovery counseling to tackle post-hospitalization trauma and a health portal for updates on network hospitals.
We offer hassle-free and claim settlements to our customers. According to our policy terms, you must intimate our customer support team within 24 hours in emergency and before 48 hours in planned hospitalization. Under our critical illness cover policy, insured members can claim in two ways:
|Cashless Hospitalization Claim Process:||Reimbursement Claim Process:|
Critical illness plans in India cover hospitalization and healthcare expenses for chronic medical conditions like cancer, stroke, paralysis, brain tumor, etc. This health cover lessens your financial loss during a serious health disorder that requires multiple therapies, sessions, or surgeries. The insured person is entitled to a claim if she contracts with any listed disease. The claim can be settled through a cashless or reimbursement facility.
Yes, you might need to undergo pre-policy medical check-ups as per the plan’s underwriting policy. We will bear the cost of all the pre-policy medical tests to help you get approval on your policy request as smoothly as possible.
This policy is an indemnity cover, and the insured can make multiple claims in a policy year. However, all claims made will be processed subject to the policy terms and conditions. The admissibility of any claim under the policy will be subject to the purview of coverage under the policy. Please refer to the policy T&C.
Yes, given the rise in cases of chronic diseases in India, it is advisable to get critical health insurance for people from all walks of life. No matter your age, serious conditions can develop among people without getting noticed during the initial stage. A cover for rare illnesses ensures you get timely treatment without any lack of resources and funds.
No, this cover is quite affordable. You can buy critical illness insurance online at a budget-friendly premium with an EMI option.
Disability and accidental insurance give a lump sum payment while you recuperate from an accident injury. On the other hand, critical illness policies will pay for the medical expenses for treating a life-threatening illness.
*Claim Settlement Ratio is for FY 19-20
^^Number of Cashless Healthcare Providers till 31st Dec 2022.
^10% discount is applicable for a 3-year policy
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