Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Medical bills in India are rising 2x faster than the average income. If you want to find the top Mediclaim policy in India, start with the benefits that matter: comprehensive coverage, a vast network of cashless hospitals, affordability, and easy claims support. Explore Care Health Insurance mediclaim policies and stay covered throughout.
Reasons to Choose Care Health Insurance?
Family Coverage
Coverage for Pre-Existing Diseases*
Critical Illness Coverage
Cashless Treatment
A medical policy is a health insurance plan that covers costs related to illness, surgery, or accidents. It provides financial protection by covering hospital stays, treatments, and other medical services up to the insured amount. Mediclaim policies typically cover room charges, doctors' fees, diagnostic tests, pre- and post-hospitalisation expenses, and ambulance charges, subject to the policy's terms and conditions.
Policyholders can access these benefits either through cashless treatment, where the insurance company pays the hospital directly, or through reimbursement, where they pay the bills upfront and later claim the expenses from the insurer.
Choosing the right Mediclaim policy is essential for protecting your health and finances during medical emergencies. Below are the benefits of purchasing a Mediclaim policy from Care Health Insurance:
A mediclaim insurance policy provides quality healthcare without financial stress. Here are the key benefits of the mediclaim policies:
Health Insurance Coverage for 32 Critical Illnesses
Cover for Treatment of Cancer at all Stages
Coverage for wide array of defined surgeries
Health Insurance Covering 16 Major Health Aliments
There are various types of Mediclaim policies in India, catering to individuals, families, seniors, and different medical needs. Let’s explore the key policy options so you can choose the one that best suits your requirements.
A plan that provides a lump-sum amount upon diagnosis of serious illnesses such as cancer, heart attack, kidney failure, or stroke.
Perfect for: Anyone looking for financial support for long-term, expensive treatments and income loss.
A specialised policy providing coverage for cancer diagnosis, treatments, and therapies for all cancer stages.
Perfect for: Individuals seeking coverage for cancer-related medical expenses.
A plan that covers the costs of major surgeries and medical procedures, including both planned and emergency treatments.
Perfect for: People at higher risk of surgery or with specific medical needs.
A specialised policy providing coverage for heart-related conditions, such as heart attacks, angioplasty, and bypass surgery.
Perfect for: Individuals with risk factors or family history of heart problems.
A Mediclaim plan that provides coverage for a single individual with a specific sum insured.
Perfect for: Individuals seeking personal coverage with comprehensive claim benefits.
This policy covers the entire family under a single sum insured, and any member can use it during hospitalisation.
Perfect for: Families who want comprehensive protection at an affordable premium.
A specialised plan for individuals aged 60 and above, offering coverage for age-related illnesses and enhanced pre-existing disease benefits.
Perfect for: Elderly individuals who require improved health coverage and support.
Care Super Mediclaim policy comes with four variants: Critical Illness, Cancer, Heart, and Operation Mediclaim. The key features of these mediclaim policies include:
| Features | Critical Illness | Care Cancer Mediclaim | Heart Mediclaim | Operation Mediclaim |
|---|---|---|---|---|
| In-Patient Hospitalisation | Up to Sum Insured | |||
| Day Care Treatment | Up to Sum Insured | |||
| Room Rent Eligibility | Single Pvt. Room (for 10 Lacs SI) & All Categories (for SI >= 25 Lakh) | |||
| ICU Charges | No Limit | |||
| Pre-Hospitalisation | 30 Days, Up to SI | |||
| Post-Hospitalisation | 60 Days, Up to SI | |||
| Chemotherapy and Radiotherapy Cover | Up to SI | Not Available | ||
| Dialysis Cover | Up to SI | Not Available | ||
| Ambulance Cover | Up to 3,000 per hospitalisation | |||
| Organ Donor Cover | Up to Sum Insured or 15 Lakh, whichever is lower | |||
| AYUSH Treatment | Up to Sum Insured | |||
| Second Opinion | Once per Covered Condition per policy year | |||
| Annual Health Check-up | Annually, from the 2nd Policy year on, continuous coverage | |||
| No Claim Bonus | Up to 100% of SI | |||
| Quick Recovery Counselling | Up to 1000/- per session; Maximum 8 sessions Post Hospitalisation | |||
| Doctor On Call | Yes (Telephonic/Online) | |||
| Global Coverage | Up to Sum Insured (for SI>=1 Crore) | |||
| OPD Expenses | 1% of Sum Insured; Max. up to 25,000 | Not Available | ||
| International Second Opinion* | Once per Covered Condition per policy year (for SI>=50 Lakh) | |||
| Air Ambulance* | Up to 5 Lakh for SI >=50 Lakh | |||
Disclaimer: The information above is for reference only. Please read the T&C of the policy thoroughly. Also, the * marked benefits are optional.
To better understand your mediclaim policy, it’s essential to know what is covered and what is not covered under our different mediclaim insurance plans:
Obtain financial assistance for in-patient hospitalisation costs, including room rent, ICU charges, doctor’s consultation, nursing care, and prescribed medicines.
Stay covered for medical expenses, including medical tests, consultations, and treatments before and after hospitalisation.
We provide coverage for alternative healing therapies, including Ayurveda, Yoga, Unani, Siddha, and Homoeopathy (AYUSH), under our Mediclaim policy.
Coverage extends to modern treatments and surgeries that don't need hospital stays longer than 24 hours, utilising advanced medical technology.
Stay covered for life-threatening medical emergencies caused by pre-existing conditions after the required waiting period is over.
Secure medical expense coverage for injuries caused by accidents, so you can receive prompt treatment without worrying about costs.
We provide medical treatment at home under clinical supervision when hospital beds are unavailable or the patient cannot be safely transferred to a hospital.
Mediclaim policies often include a free annual health checkup, which may consist of tests for liver function, lipid profiles, and vitamin deficiencies.
Expenses for cosmetic treatments and routine dental procedures are excluded because they are typically not considered medically necessary.
Most Mediclaim policies exclude coverage for maternity care or infertility treatments unless they are specifically added as an add-on.
Medical expenses resulting from self-inflicted injuries, such as suicide attempts or harm caused by substance abuse, are not covered under the policy.
We recognise the seriousness of these conditions; however, expenses for venereal or sexually transmitted diseases are not included in Mediclaim policies.
Injuries sustained during participation in adventure or high-risk sports are not covered because they fall outside the scope of standard medical risk policies.
Mediclaim and health insurance appear similar, but they offer different types of medical coverage. Knowing the difference can help you choose the perfect plan for your healthcare needs.
| Aspect | Mediclaim Policy | Health Insurance Policy |
|---|---|---|
| Definition | Covers clinical expenses, including hospitalisation and surgery. | Provides comprehensive healthcare coverage, including hospitalisation, preventive care, OPD visits, wellness benefits, and more. |
| Sum Insured | Provides a fixed sum insured, typically less than needed, that may not cover medical expenses. | Higher sum-insured options are available for comprehensive coverage. |
| Premium | Compared to health insurance, premiums are lower. | Premiums are higher due to comprehensive coverage. |
| Pre-existing diseases | It involves a waiting period before covering medical expenses for pre-existing diseases. | It also includes waiting periods; however, it offers add-ons to reduce them for early coverage. |
| Who Should Buy | Suitable for individuals seeking basic hospitalisation cover for particular chronic conditions. | Ideal for individuals and families seeking complete health protection. |
| Renewability | Renewable for a lifetime with a restricted increase in coverage. | Lifelong renewal with various options to enhance health insurance coverage and benefits. |
Choosing the best mediclaim policy can be complex due to the several options available. Here are the steps one must follow:
Purchasing a mediclaim policy with us is a simple process. Follow these simple steps to get our mediclaim policy online hassle-free:
Purchasing a mediclaim policy online can be a smooth process if you know what is required. Here’s a list of documents you may need when buying mediclaim insurance online.
| Proof | Eligible Documents |
|---|---|
| ID Proof | Aadhaar card, voter ID, driving license, or passport |
| Address Proof | Aadhaar card, passport, driving license, voter ID, etc. |
| Financial Statement | Bank statement or other proof of income |
| Medical Reports | Required for Senior Citizens or those with pre-existing conditions. |
| Claim Type | Process Types |
|---|---|
| Cashless | Getting admission to a network hospital
|
| Reimbursement |
|
Look for hospitals around you
A Mediclaim policy protects you from high hospitalisation expenses during medical emergencies. It ensures you receive the best treatment without draining your savings.
The ideal Mediclaim policy offers comprehensive coverage, shorter waiting periods, cashless treatment options, and reasonable premiums. Care provides a range of Mediclaim plans for individuals, families, and seniors.
Yes, a mediclaim policy covers pre-existing conditions, but only after the specified waiting period.
Most plans permit entry ages from 18 to 65, whereas senior plans begin at 60+.
At Care Health Insurance, mediclaim policy claims typically take 10-15 working days to be settled.
Sometimes, your claim may be denied because of incorrect information, exclusions, waiting periods, or other reasons. In these cases, you can submit an appeal letter and receive a response to your request.
No, you cannot add or remove family members to your current mediclaim policy. You can do this only at the time of policy renewal.
Yes, mediclaims also cover accidents. However, you need to purchase it as an optional benefit. Under this, you will receive an additional sum insured for accidental hospitalisation.
The Floater mediclaim policy is a tailor-made plan for families. It is similar to individual health insurance, but the key difference is that mediclaim health insurance for families acts as an umbrella, covering your entire family.
Yes, you will get coverage for alternative treatments, such as Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.
Mediclaim insurance is recommended for everyone, especially amid rising medical costs and the prevalence of lifestyle diseases. It's essential for those relying solely on corporate health insurance without separate coverage.
Yes, you can port your mediclaim policy. You must approach the insurance provider where you wish to port your existing health insurance policy. The company will provide you with the necessary documents, including your portability and proposal forms.
You can modify the sum insured at policy renewal, but it may affect your premium. Therefore, reading the policy details is essential.
Get the best financial security with Care Health Insurance!
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Super Mediclaim: UIN - RHIHLIP21371V022021
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec'24
^^Number of Cashless Healthcare Providers till Feb 2025
^10% discount is applicable for a 3-year policy
*Premium calculated for an individual (Age 18) for sum insured 10 Lakhs
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