Save tax up to ₹75,000 ~ u/s 80D.
Save tax up to ₹75,000 ~ u/s 80D.
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.
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:
Cover Highlights
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
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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
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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
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Covers expenses incurred for chemo and radio therapy.
|
Up to Sum Insured | ||
Ambulance Cover
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In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your
hospitalization.
|
Upto ₹3000 per Hospitalization | ||
Alternative Treatments
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Covers Ayurveda, Unani, Sidha and Homeopathy treatment
|
Up to 25% Sum Insured | ||
Second Opinion
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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
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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
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Consult doctors on a call
|
Available (Telephonic/Online Mode) | ||
Health Portal | Value Added Services Through Company’s Website | ||
Global Coverage.
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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 |
Look for hospitals around you
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.
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.
Yes, you can buy Critical Mediclaim if you are diagnosed with a health condition as per underwriter’s descretion.
Yes, you will be able to get cashless claim only if you take treatment from one of our 20800+ cashless healthcare providers.
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 31st March 2024
**Number of Claims Settled as of 31st March 2024
~~10% discount is applicable for a 3-year policy
Get the best financial security with Care Health Insurance!
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