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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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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    24800+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    48 Lakh+INSURANCE CLAIMS SETTLED**
  • Claim settled
    24*7CLAIM AND CUSTOMER SUPPORT

An Extensive Health Insurance for 32 Critical Illnesses

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Save Upto 10% on Health Insurance Premium##

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    Who is not eligible for Global Coverage add-on?
    NRI/NRO/OCI/PIO/Individuals with dual citizenship/Foreign Nationals/People employed or planning overseas employment/Students enrolled or planning to register with foreign universities will not be offered Global coverage as per current Underwriting rules of the company.

    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.

    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:

    • This coverage is a safety net that protects you in the most significant way possible. It covers 32 specified critical illnesses.
    • Because this indemnity-based plan covers Pre/Post and during hospitalization Expenses you incur throughout the year, a high sum insured provides you complete financial security.
    • You have extensive financial protection for hospitalization and advanced medical procedures, such as chemotherapy, which are essential for treatment.

    Cover Highlights

    Dialysis Cover

    Dialysis Cover

    Organ Donor Cover

    Organ Donor Cover

    Psychiatric Counseling

    Psychiatric Counseling

    Covers 32 Specified Critical Illnesses

    Covers 32 Specified Critical Illnesses

    Post-Hospitalization

    Post-Hospitalization

    Benefits of Critical Mediclaim

    See all Sum Insured Options east

    Sum Insured Details
    Covered Conditions (Illnesses/ Diseases/ Surgeries)
    info 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
    info 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
    info 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
    info 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
    info Covers expenses incurred for chemo and radio therapy.
    Upto SI
    Dialysis Cover
    info Covers expenses incurred for chemo and radio therapy.
    Up to Sum Insured
    Ambulance Cover
    info In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
    Upto ₹3000 per Hospitalization
    Alternative Treatments
    info Covers Ayurveda, Unani, Sidha and Homeopathy treatment
    Up to 25% Sum Insured
    Second Opinion
    info 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
    info 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
    info Psychologist Counseling Expenses Covered
    Up to Rs. 1000/- per Session; Maximum 8 per policy Year (Twice a Month)
    Doctor on Call
    info Consult doctors on a call
    Available (Telephonic/Online Mode)
    Health Portal Value Added Services Through Company’s Website
    Global Coverage.
    info 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
    Brochure

    Download the Brochure for Care Critical Mediclaim Complete Plan Details

    Download Care Critical Mediclaim complete plan details

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

    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

    22900+ Health Care Providers Serving Cashless Medical Services Across The Globe

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    Voice of Our Customer

    SS
    Supriyanka S. December 01, 2023
    Critical Mediclaim
    5

    Thankful

    Thankful that Anand ji helped me filing claim.
    GK
    Gurvindar Khera December 01, 2023
    Critical Mediclaim
    5

    Care is best

    i am diagnose with kidney failure and was advise to take dialysis. Thankfully my Care critical mediclaim had dialysis covered that helped
    S
    Saujanya December 01, 2023
    Critical Mediclaim
    4

    Good behavior

    Very supporting team timely resolve my claim issues and also good behaviour with other customers
    AT
    ashish tyagi December 01, 2023
    Critical Mediclaim
    4

    Claim approval was easy

    Thank you for easy approval of my claim.
    SM
    Srikanth Misra December 01, 2023
    Critical Mediclaim
    5

    Got Claim

    Thank you for providing claim for liver disease
    Rahul Sangwan

    My appreciation for your prompt service

    Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

    Rahul Sangwan

    Health Insurance

    Samanway Barik

    We will continue to avail of your scheme

    I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

    Samanway Barik

    Health Insurance

    Soubhagya K Kulkarni

    Everything went very smooth

    Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

    Soubhagya K Kulkarni

    Health Insurance

    Vaibhav Rai

    Really helpful explaining the process in advance

    Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

    Vaibhav Rai

    Health Insurance

    Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

    Awarded As Claims

    Best Health Insurance
    Company of the Year*

    Total Claims Paid

    38 Lakh + Claims Settled**

    Cashless Claim

    22900+
    CASHLESS HEALTHCARE PROVIDERS^^

    **Number of claims settled as of 30th June 2023     *India Insurance Summit & Awards 2023

    FAQs About Care Critical Mediclaim

    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 as of 30th June 2023
    **Number of Claims Settled as of 31st May 2023

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

    Brochure

    Download the Brochure for Care Critical Mediclaim Complete Plan Details

    Download Care Critical Mediclaim complete plan details

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

    Secure Your Finances Now!

    Get the best financial security with Care Health Insurance!

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