Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Lung disease, heart/organ transplant, major burns, Alzheimer's, and blindness are among 32 critical illnesses covered under the Critical insurance policy. This policy provides financial protection for treatment of these diseases.
Reasons to Choose Care Health Insurance?
Critical Mediclaim is a health indemnity plan that covers treatment expenses to reduce the financial liability of the insured member if a chronic disease such as cancer, major burns, or liver diseases, occurs.
This plan can provide financial security to treat the disease while having your savings intact.
A dedicated Care Critical Mediclaim plan is a better alternative to conventional health insurance for managing the financial impact of serious illnesses. It provides enhanced coverage for the 32 specified critical illnesses, offering a comprehensive safety net:
It is advantageous in the following ways:
Cover Highlights
Dialysis Cover
Organ Donor Cover
Psychiatric Counseling
Covers 32 Specified Critical Illnesses
Post-Hospitalization
| 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 the 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 | ||
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: 50 years.
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.
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
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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.
Best Health Insurance
Company of the
Year*
58 Lakh+ Claims Settled**
21700+
CASHLESS HEALTHCARE PROVIDERS^^
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.
Get the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services:
8860402452
Live Chat
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 insured individual (18) with a sum insured of 10 lakh in a Zone 3 city.
~~10% discount is applicable for a 3-year policy
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
