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Care Critical Mediclaim

Care Critical Mediclaim-a health cover protecting you against medical expenses involved in treating critical illnesses like cancer, stroke, paralysis, and liver failure, among specified 32 major illnesses.

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An Extensive Health Insurance for 32 Critical Illnesses

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      21,100+ CASHLESS HEALTHCAREPROVIDERS^^
    • Claim settled ratio
      95.2% INSURANCE CLAIMSETTLEMENT RATIO##
    • Claim settled
      30 LACS+ CLAIMS SETTLEDSUCCESSFULLY##

    What is Care Critical Mediclaim?

    Critical Mediclaim is a healthcare plan that covers treatment expenses to reduce the financial liability of the insured member if they contract a chronic disease such as cancer, major burns, or liver diseases, as pre-defined under the chosen Policy. However, it is essential to remember that a critical illness can happen to anyone. With the comprehensive critical illness policy, people can stay financially secure amid uncertainties.

    We at Care Insurance provide a customized health insurance plan for critical illnesses – an easy-to-acquire individual health indemnity plan that covers 32 critical conditions pre-defined in the Policy. This plan can provide financial security to treat the disease while having your savings intact.

    Cover Highlights

    Health Check-Up

    Dialysis Cover

    Robotic surgery

    Organ Donor Cover

    Emergency-Ambulance

    Psychiatric Counseling

    Hospitalization

    Covers 32 Specified
    Critical Illnesses

    Post-Hospitalization

    Pre-and-Post Hospitalization
    Expenses

    Benefits of Critical Mediclaim

    See all Sum Insured Options arrow close

    Sum Insured Details
    Covered Conditions (Illnesses/ Diseases/ Surgeries)
    If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we cover for your treatment expenses - right from room charges, nursing expenses and intensive care unit charges to surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc.
    10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
    In-Patient Hospitalization
    If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we cover for your treatment expenses - right from room charges, nursing expenses and intensive care unit charges to surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc.
    32 Specified Critical Illnesses
    Day Care Treatment
    We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more.
    Up to Sum Insured
    Pre-Hospitalization and
    Post-Hospitalization
    We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications incurred up to 30 days before your hospitalization/60 days post your hospitalization.
    30days / 60days
    Chemotherapy and Radiotherapy Cover
    Covers expenses incurred for chemo and radio therapy.
    Upto SI
    Dialysis Cover
    Covers expenses incurred for chemo and radio therapy.
    Up to Sum Insured
    Ambulance Cover
    In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
    Upto ₹3000 per Hospitalization
    Alternative Treatments
    Covers Ayurveda, Unani, Sidha and Homeopathy treatment
    Up to 25% Sum Insured
    Second Opinion
    If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
    Once per Covered Condition per policy year
    Annual Health Check-up
    Annual health check-up for insured member.
    Annual from 2nd Policy Year on continuous Coverage
    No Claims Bonus* Corresponding Increase in SI for 1st, 2nd and 3rd Continuous Claim-Free Policy Years Respectively, Max up to 100% of SI
    Health Services
    Quick Recovery Counseling
    Psychologist Counseling Expenses Covered
    Up to Rs. 1000/- per Session; Maximum 8 per policy Year (Twice a Month)
    Doctor on Call
    Consult doctors on a call
    Available (Telephonic/Online Mode)
    Health Portal Value Added Services Through Company’s Website
    Global Coverage.
    Avail Hospitalization expenses outside India with a mandatory co-payment of 10 % per claim.
    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 1% of Sum Insured; Max. up to Rs. 25000/-
    International Second Opinion# Once per Covered Condition per Policy year
    Air Ambulance# Up to Rs. 5 Lakhs
    Room Rent Eligibility Single Pvt. Room / No Limit^
    ICU Charges No Limit
    Initial Waiting Period 90 Days
    Specific Ailment Waiting Period Not Applicable
    PED Waiting Period 4 Years
    SHOW MORE BACK TO PAGE

    *50%/25%-Corresponding decrease in SI per policy year in case a claim has been paid; Such decrease is only in SI accrued as NCB.

    #Optional Benefit

    ^with optional benefit Room Rent Modification.

    Note: Other SI / Age band options are also available.

    Brochure

    Download the Brochure for Critical Mediclaim Complete Plan Details

    Download Critical Mediclaim complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Plan Highlights of Care Critical Mediclaim

    Conventional health insurance coverage may be advantageous on any given day, but a plan tailored to cater to critical illness needs is a better alternative to deal with the financial consequences as it increases the coverage for specified illnesses. It is advantageous in the following ways:

    Care Critical Mediclaim Policy Details

    • Minimum Entry Age:

      • Child:5 years with at least 1 member of age 18 years or above is covered or; 5 years on Individual basis

      • Adult: 18 Years and above

    • Maximum Entry Age: Lifelong.

    • Exit Age: No Exit Age.

    • Age of Proposer (Adult): 18 years or above.

    • Who can be covered (Relationship with Respect to the Proposer): Self, legally married spouse, son, daughter, father, mother, brother, sister, mother-in-law, father-in-law, grandmother, grandfather, grandson, granddaughter, uncle, aunt, nephew, niece, or any other relationship having an insurable interest.

    Download Terms & Conditions
    • Act of self-inflicted injury attempted suicide or suicide
    • Any illness related directly to the consumption of alcohol/ tobacco/cigarettes, etc.
    • HIV or any other sexually transmitted disease
    • Cosmetic or plastic surgeries or related treatment
    • Pregnancy, miscarriage, childbirth, maternity including C- section, abortion, or complications of any of these All the hazardous activities
    • Damage caused by a nuclear, chemical, or biological attack or weapons
    • Illness or injuries caused due to any breach of law by the insured with any criminal intent.

    STEP 1

    Emergency

    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2

    Cashless

    Request for pre-authorization

    Reimbursement

    Claim from submission

    Complete the pre-authorization form available
    at the hospitals insurance/TPA Desk and send us through fax.

    Approval

    Approval

    Approval letter sent by the claim management team

    Query

    Query

    Hospital/Insured to response to the query raised by the claim management team

    Rejected

    Rejected

    You may initiate the treatment and file for reimbursement claim

    Submission of claim form along with required
    documents, as per the policy terms & conditions

    Approval

    Approval

    Approval letter sent by the claim management team

    Query

    Query

    Insured to response to the query raised by the claim management team

    Rejected

    Rejected

    We will communicate the reason in case of rejection

    21,100+ Health Care Providers Serving Cashless Medical Services Across The Globe

    Look for hospitals around you

    Detailed Hospital List
    20800+ Health Care Providers Across The Globe

    20800+ Cashless Providers

    20800+ Health Care Providers Across The Globe

    Voice of Our Customer

    Soni Singh

    review Cancer insurance plan from Care health insurance worked wonders for us. I bought it for myself because of my family history with this disease. Glad that I could afford the best treatment under this plan!

    Smita Reddy

    review Care health insurance has been my go-to insurance partner. Its cancer insurance policy is like made for us. Got help with its pre- and post-hospitalization expense cover when my wife was diagnosed with cancer.

    Ronak Ahuja

    review I bought a Care health insurance cancer insurance plan for my father. When he was diagnosed with cancer at the initial stage, we could get the best treatment without worrying about the cost. Highly recommend it to others.

    Anubhav Das

    review Getting diagnosed with cancer was a shock for me. It is where the Care health insurance Cancer insurance plan acted as a life saviour, with its chemotherapy cover. All thanks to their team for helping me live again!

    Madhav Singh

    review Care health insurance Cancer Insurance plan is a must-have in these times when cancer risk is high. I am glad I bought it timely at a reasonable premium. Impressed by their quick claim settlement process!
    Ankita Sharma

    My appreciation for your prompt service

    At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    Indubala Nambiar

    Health Insurance

    Vikas Singh

    Everything went very smooth

    I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

    Vikas Singh

    Health Insurance

    Sahil Khattar

    Really helpful explaining the process in advance

    I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

    Sahil Khattar

    Health Insurance

    Aditya Sharma

    Finalising my claim in a short period

    I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

    Aditya Sharma

    Health Insurance

    Care Health Insurance is a specialized health insurer offering health insurance services to employees of corporates, individual customers, and for financial inclusion as well. With its operating philosophy being based on the principal tenet of ‘consumer-centricity’, the company has consistently invested in the effective application of technology to deliver excellence in customer servicing, product innovation, and value-for-money services.

    We envision a financially secured future for our customers through the delivery of customized health insurance plans such as Family Floater Plans, Senior Citizens Health Plans, Diabetes Cover, Maternity Cover, Critical Illness Cover, and specific travel insurance plans while guaranteeing the benefits of hassle-free claims procedures.

    Care Health Insurance

    Awarded as Claims
    Leader of the year

    Care Health Insurance

    30 Lakh + Claims Settled^^

    Care Health Insurance

    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    FAQs About Care Critical Mediclaim

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    Most Frequently Asked Questions

    Q.How is Critical Mediclaim different from Health Insurance?

    Health insurance helps you with medical and OPD expenses during hospitalisation, and it may not cover all critical diseases. Whereas critical illness policy covers 32 life-threatening diseases such as cancer, kidney failure, bypass surgery etc.

    Q.Will I have to undergo pre-policy medical tests to buy Critical Mediclaim?

    You will be required to undergo a pre-policy medical check-up based on the Underwriting policy. The cost of the medical tests will be borne by us if your proposal is accepted.

    Q.Can I buy Critical Mediclaim if I am diagnosed with a health condition?

    Yes, you can buy Critical Mediclaim if you are diagnosed with a health condition as per underwriter’s descretion.

    Q.Will I be able to get cashless claim under Care Health Insurance’s Critical Mediclaim?

    Yes, you will be able to get cashless claim only if you take treatment from one of our 20800+ cashless healthcare providers.

    Q.Who should buy a critical illness insurance policy?

    • People over 40 years of age
    • Individuals with a critical illness family history
    • Sole breadwinners

    Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

    ^^Number of Cashless Healthcare Providers till 31st Dec 2022

    ##IBAI Claims Handbook for FY 19-20

    **10% discount is applicable for a 3-year policy

    Brochure

    Download the Brochure for Critical Mediclaim Complete Plan Details

    Download Critical Mediclaim complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Reach out to us
    Whatsapp 8860402452

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