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Care Critical Mediclaim

Starting at ₹3/day^

No Claim Bonus up to 100% of SI
Global Coverage
Expert Medical Opinions Across the Globe*
Chemotherapy and Radiotherapy Cover

Insured 15,00,00,000+ lives

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Cover Highlights

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No Claim Bonus up to 100% of SI

globe

Global Coverage

stethoscope

Expert Medical Opinions Across the Globe*

oncology

Chemotherapy and Radiotherapy Cover

pulse_alert

Covers 32 Specified Critical Illnesses

urology

Dialysis Cover

pulmonology

Organ Donor Cover

psychology_alt

Psychiatric Counseling

short_stay

Post-Hospitalization

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Product Benefits

Brochure

Customer Information Sheet

Prospectus

Product Benefits

Key Features	₹ 7 L, 10 L, 15 L, 25 L, 50 L & 1 C
In-Patient Care Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI
Day Care Treatment Coverage of treatment expenses that required you to stay in a hospital for less than 24 Hours. We cover all Day Care Procedures like Cataract, Chemotherapy, Dialysis, removal of Stone etc.	All Day Care Procedures
Advance Technology Methods Coverage of Expenses incurred on treatment using specified Advanced Technology methods during hospital stay.	Up to SI
Pre-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 60 days prior to hospitalization.	60 days prior to hospitalisation
Post-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 180 days post discharge from hospital	180 days post hospitalisation
AYUSH Treatment Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI, if hospitalisation takes place in an AYUSH-certified clinic
Domiciliary Hospitalisation Coverage of treatment expenses that required you to start treatment at home under specified circumstances. The Treatment at home should continue for atleast 3 Days.	Up to SI
Organ Donor Cover Coverage of expenses incurred on an operation performed on donor to remove the organ.Removed Organ should be used for insured member. Pre and Post Hospitalization expenses incurred on donor not payable. The Donor should meet all the requirement as speciefied by GOI.	Up to SI
Ambulance Cover Coverage of expenses for hiring a road ambulance for transporting insured to hospital for admission or for shifting insured from one hospital to another for better treatment or for moving insured from hospital to home.	Upto Rs.10,000 per Year for SI < 15 Lacs & Upto SI for SI >= 15 Lacs
Cumulative Bonus we will reward you with upto 100% increase in SI. There will be no reduction in accrued bonus on renewal due to claim.	50% of SI per year, max up to 100% of SI
Unlimited Automatic Recharge You will never run out of coverage due to multiple hospitalization in a policy year. We will recharge policy with an amount equal to SI opted unlimited times in a policy year. This additional amount can be used for multiple hospitalization for related or unrelated illness	Available
Unlimited E-Consultations Avail Unlimited e-consultation from a general Physician by booking appointmemnt through mobile application.	Available
Health Services Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.	Available

Plan Highlights

This plan offers flexible sum-insured options ranging from ₹10 lakh to ₹2 crore, suitable for individuals or large families requiring extensive coverage.*
Provides coverage for a wide range of major critical illnesses and serious medical conditions.
Up to 100% No Claim Bonus on Sum Insured
The global coverage add-on provides international treatment and expert opinions based on SI and geography.*
Coverage for expensive cancer treatments such as chemotherapy and radiotherapy.
No sub-limits on expenses for pre- and post-hospitalisation, AYUSH treatment, day care hospitalisation, and organ donor cover.

Plan Details

Policy Terms
Exclusions

Age Eligibility
Entry Age	Individual: 5 years
Maximum Entry Age	50 years
Exit Age	No Exit Age
Cover Type
Individual Plan	Maximum up to 6 members
Tenure Options	1/2/3 Years
Waiting Period
Initial Wait Period	90 days
Pre-Existing Disease Wait Period	3 Years

Download Terms and Conditions

Any pre-existing injury or physical condition.
Any intentional injury inflicted by oneself, including suicide or attempted suicide, as well as sexually transmitted conditions, mental or nervous disorders, insanity, anxiety, stress, or depression.
The insured person is flying in an aircraft other than as a fare-paying passenger on a scheduled airline.
Expenses resulting from participation in hazardous activities.
An insured person serving in any branch of the military, navy, air force, or any branch of the armed forces or paramilitary forces.
Persons working in underground mines, handling explosives, engaging in press activities, participating in activities like racing on wheels or horseback, winter sports, canoeing in whitewater rapids, or any bodily contact sport.
Claim related to mental illness, stress, psychiatric or psychological disorders.

Claim Process

Cashless
Reimbursement

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Mumbai
Chennai
Kolkata
Bengaluru
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Ahmedabad

Our Extensive Network

22100+
Cashless Healthcare Providers^^

1400+
Cities Across India

Voice of Customer

Reviews
Testimonials

Overall Rating 4.7/5.0 Write a Review

Samanway Barik Health Insurance

We will continue to avail of your scheme

September 2, 2026

I ported my healthcare plan last year and 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.

Soubhagya K Kulkarni Health Insurance

Everything went very smooth

September 2, 2026

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.

Vaibhav Rai Health Insurance

Really helpful explaining the process in advance

September 2, 2026

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.

FAQs About Care Critical Mediclaim

Q.How is critical mediclaim different from health insurance?

Health insurance mainly covers hospitalisation and related medical expenses, while Critical Mediclaim provides financial protection against 32 serious illnesses, such as cancer, kidney failure, and heart-related conditions.

Q.Will I need to undergo medical tests before buying Critical Mediclaim?

Pre-policy medical tests may be required as per the underwriting guidelines. If your proposal is accepted, we will cover the cost of these medical tests.

Q.Can I buy Critical Mediclaim if I have an existing health condition?

Yes, you may be eligible to buy Critical Mediclaim even if you have an existing health condition, subject to underwriting guidelines and policy terms.

Q.Is there a waiting period under Critical Mediclaim?

Yes, the policy coverage is subject to the applicable waiting periods outlined in the terms and conditions.

Q.Can I port my other policy to a Critical Illness Mediclaim policy?

No, the policy is not transferable and is subject to the policy's terms and conditions.

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Super Mediclaim: UIN - RHIHLIP21374V022021

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 Cashless Healthcare Providers as of Dec 2025

**Number of Claims Settled as of Dec 2025

# SI>= 50 lakh

##Single Pvt. Room (for 10 Lacs SI) & All Categories (for SI > = 25 Lakh) Room Rent Eligibility

^The premium is calculated for an individual (age 18) with a minimum sum insured of 10 lakh in a Zone 3 city for a 1 year policy tenure.

~~Claim Settlement Ratio for the period April 2025 to Dec 2025

Care Critical Mediclaim

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Terms & Conditions of Premium Quote Generation

Cover Highlights

More About Product

Product Benefits

Plan Highlights

Plan Details

Claim Process

Locate Your Healthcare Providers

22100+Cashless Healthcare Providers^^

1400+Cities Across India

Voice of Customer

FAQs About Care Critical Mediclaim

Q.How is critical mediclaim different from health insurance?

Q.Will I need to undergo medical tests before buying Critical Mediclaim?

Q.Can I buy Critical Mediclaim if I have an existing health condition?

Q.Is there a waiting period under Critical Mediclaim?

Q.Can I port my other policy to a Critical Illness Mediclaim policy?

Get Assistance with Personalized Plans

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22100+
Cashless Healthcare Providers^^

1400+
Cities Across India