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.

An Extensive Health Insurance for 32 Critical Illnesses

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Reasons to Choose Care Health Insurance?

21,100+ CASHLESS HEALTHCAREPROVIDERS^^
95.2% INSURANCE CLAIMSETTLEMENT RATIO##
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

Dialysis Cover

Organ Donor Cover

Psychiatric Counseling

Covers 32 Specified
Critical Illnesses

Pre-and-Post Hospitalization
Expenses

Benefits of Critical Mediclaim

See all Sum Insured Options

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

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*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.

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 letter sent by the claim management team

Query

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

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 letter sent by the claim management team

Query

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

Rejected

We will communicate the reason in case of rejection

Voice of Our Customer

Soni Singh

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

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

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

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

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!

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

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

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

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

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.

Awarded as Claims
Leader of the year

30 Lakh + Claims Settled^^

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.