Care Critical Illness Plan
  • 32 CI Covered
  • Up to 2 Cr SI
  • 20800+ Network Hospitals
Care Critical Illness Plan
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Simran Kaur Vij
Written By:
Simran

Simran Kaur Vij

Health and Term Insurance

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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Reviewed By:
Sharan Gurve

Sharan Gurve

Term & Health Insurance

Sharan Gurve has spent over 9 years in the insurance and finance industries to gather end-to-end knowledge in health and term insurance. His in-house skill development programs and interactive workshops have worked wonders in our B2C domain.

Care Critical Illness Insurance

Care Critical Illness Insurance is a comprehensive health insurance plan designed to protect you and your family against 32 listed critical illnesses along with cancer, Heart and operation mediclaim with additional features and benefits. The plan is designed to reduce the financial distress caused due to diagnosis and treatment for any of the listed major critical illnesses which might drain your hard-earned savings. Critical illness plan offered by care health insurance offers a wide range of sum insured to the insured individual ranging between 10 Lakh to 2 Crore.

It is an individual and family floater policy with diverse coverage terms. Care critical illness insurance plans are available for children from the age of 5 years as well as for adults from 18 years of age. However, there is no upper age limit for entry age in the plan. Insured individuals can cover themselves, their legally wedded spouse, 2 children, 2 siblings, parents, parents-in-law, uncle, aunt, nephew, niece, grandparents, grandchildren, and more. With 20800+ network hospitals, Care critical illness insurance is amongst the best choices of health insurance plans against critical illnesses. There are various health services embedded in the insurance plan like quick recovery counselling, doctor on call, health portal, global coverage, and other such benefits. To know more about the health insurance plan in detail read the details mentioned in the article.

Care Critical Illness Insurance At A Glance

Plan TypeIndividual/ Family Floater
Sum Insured10 Lakh to 2 Crore
Critical Illnesses Covered32
Network Hospitals20800+
No claim Bonus25% every claim-free year, up to 100% SI
Co-Payment Option20% per claim

Read more specifications in the brochure.

Benefits of Care Critical Illness Insurance

Care Critical Illness Insurance provides a financial safety net against 32 listed critical illnesses. Policyholders investing in this plan are entitled to various benefits as mentioned below:

  • Discounts
    Insurance holders can avail a long-term policy discount of up to 10% along with a fixed 2.5% discount on covering additional family members under the same policy.
  • Cancer and Heart Mediclaim Benefits
    Along with critical illnesses, the policy is divided in such a way that you can opt for coverage against cancer, heart ailments, and any medical procedure. The plan has a wide range of sum insured from 10 lac to 2 crore. However, under the critical illness benefit of the plan the insured individuals can avail up to 10 Lakh INR as a sum insured benefit.
  • Health Services
    Individuals investing in care critical illness insurance will have access to various health services such as doctor on call, quick recovery counselling, health portal, global coverage, and OPD expenses as per sub-limits mentioned in the policy schedule.
  • Optional Benefits
    There are a plethora of optional benefits that customers can add to their base policy and customize the health insurance plan as per their requirements. Deductible option, co-payment option, unlimited automatic recharge, and international second opinion are a few examples of these additional services under the care critical illness health insurance
  • Tax Benefit
    All the premiums paid towards the Care Critical Illness Health Insurance will be eligible for tax deductions as per the Income Tax Act.

Eligibility Criteria for Care Critical Illness Insurance

We have mentioned below the eligibility criteria required to invest in the critical illness insurance plan offered by Care Health Insurance:

 

Child Entry Age

Minimum: Child: 91 Days to 4 Years Adult: 18 Years

 

Adult Entry Age

Maximum: Lifelong

 

Relationships Covered

Self, spouse, up to 2 children, up to 2 parents, and 2 parents-in-laws

 

Policy Tenure

1/2/3 Years

 

Premium Payment Mode

Single/Monthly
/Quarterly

 

Initial Waiting Period*

90 Days

What is Covered Under Care Critical Illness Insurance?

The plan provides coverage for the below-mentioned features:

In Patient CareUp to SI
Day Care TreatmentUp to SI
Pre and Post HospitalizationPre-hospitalization - 30 days
Post hospitalization - 60 days up to SI
Chemotherapy and RadiotherapyUp to SI
Dialysis CoverUp to SI
Ambulance CoverUp to INR 3,000 per hospitalization
Organ Donor CoverUp to SI or 15 L whichever is lower
Alternative TreatmentsUp to 25% of SI
Second OpinionOnce covered per policy year
Annual Health Check-upAvailable from 2nd policy year
Quick Recovery Counseling8 sessions post-hospitalization in a policy year
Doctor On CallAvailable via telephone or online mode
Health PortalAvailable via Care’s official website
Global CoverageUp to SI
OPD ExpensesUp to 1% of SI, Maximum up to INR 25,000

What is Not Covered Under Care Critical Illness Insurance?

There are certain exclusions valid for Care critical illness insurance plan:

  • Sexually transmitted disease or HIV/AIDS.
  • Influence of intoxicating liquor or drugs.
  • Suicide or attempted suicide, intentional self-injuries.
  • Congenital external diseases, defects, or anomalies.
  • The insured person committing any breach of law.
  • Birth control procedures and hormone replacement therapy.

How To Claim Care Critical Illness Insurance?

The claim process for Care critical illness insurance is hassle-free. Please go through the following steps to understand the procedure in detail:

  1. In case of an emergency hospitalization notify the insurer within 24 hours of your hospitalization.
  2. In case of planned hospitalization, insured individuals must inform the insurer 48 hours before the hospitalization.
  3. For cashless claim settlement, individuals can fill out the pre-authorized claim form at the network hospital.
  4. Care Health Insurance will cross-check all the details and documents and verify the claim requests.
  5. Once the verification process is completed the claim will be directly settled with the network hospital.

In a Nutshell

Care Critical Illness Insurance is for individuals who want to manage critical illness treatment and recovery. Critical illness treatment in India is ever-increasing in cost and can cause a financial burden for the family. The plan is fully equipped to treat over 32 critical illnesses with a vast range of sum insured options and unique benefits like global coverage, health services, optional benefits, and more which can be customized in order to fit families and individuals as per their requirements.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

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Explore other Care Health Insurance

To cater to the different medical needs of an individual & their family, Care Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Care Health Insurance plans explore more:

Individual and Family Health Insurance

The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. Thi...

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  • Moneyback benefits
  • Newborn coverage
  • Medi vouchers

Critical Illness Health Insurance

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like Active heart health check-ups...

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  • Coverage for OPD
  • Home care available
  • International 2nd opinion

Individual and Family Health Insurance

Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehensive...

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  • Comprehensive coverage
  • No upper age limit
  • Variants on Sum Insured

Health Insurance Companies

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Care Critical Illness Plan: FAQs

1. What is Critical Illness Insurance?

Care Critical Illness Insurance is a specialized health insurance plan that offers coverage to its policyholders against 32 listed critical illnesses including heart attacks, cancer, strokes, tumors, and other such serious ailments. The plan provides an ample amount of sum insured so as to support insurance holders with the treatment and recovery from such financially distressing ailments.

2. Why do I need Care critical illness insurance?

If you are an individual with a family history of critical illnesses such as cancer, heart ailments or other serious ailments care critical illness plan is instrumental in treatment and recovery. Care critical illness insurance provides a financial safety net for its policyholders against multiple critical illnesses along with multiple benefits like wellness benefits, pre and post-hospitalization, OPD expenses, global coverage, chemotherapy, radiotherapy, and more.

3. What are the sum insured options under the Care critical illness plan?

The various sum insured options available to policyholders under the care critical illness plan are 10 Lac, 25 Lac, 50 Lac, 1 Crore, and 2 Crores.

4. What is the maximum entry age for Care critical illness insurance plan?

The entry age for care critical illness for adults starts at 18 years with no maximum entry age upper age limit.

5. What is included under the Care critical illness health services?

Care critical illness insurance offers various features to its policyholders under the health services like quick recovery counseling, doctor on call, global coverage, international second opinion, Unlimited ICU cover, and more.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.