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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.

An Extensive Health Insurance for 32 Critical Illnesses

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Reasons to Choose Care Health Insurance?

22900+ Cashless Healthcare Providers^^
38 Lakh+Insurance Claims Settled**
24*7Claim and Customer Support

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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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.

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

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

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

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

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 Best
Health Insurance Company of the year^

38 Lakh+ Claims Settled*

22900+
CASHLESS HEALTHCARE PROVIDERS^^

^India Insurance Summit & Awards 2023

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.

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

Don't Ignore Your Health!

Your health is topmost priority. Check health insurance premium now!

Don't Ignore Your Health!

Your health is topmost priority. Check health insurance premium now!

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*T & C apply

22900+
Cashless Healthcare Providers^^

38 Lakh+
Insurance Claims Settled**

24*7
Claim and Customer Support

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