Care Critical Illness Plan
  • 32 CI Covered
  • Up to 2 Cr SI
  • 20800+ Network Hospitals
Care Critical Illness Plan
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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

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...

Unique Features

  • High sum insured
  • 540+ procedures covered
  • Organ donation cover

Arogya Sanjeevani Plan (Pros)

Arogya Sanjeevani Plan
  • AYUSH treatment
  • Affordable premium
  • Lifelong renewability
  • Tax benefit

Arogya Sanjeevani Plan (Cons)

Arogya Sanjeevani Plan
  • Change of gender treatment
  • Obesity treatment unavailable
  • Hazardous activity not covered

Arogya Sanjeevani Plan (Other Benefits)

Arogya Sanjeevani Plan
  • Modern treatments available
  • 50% cumulative bonus
  • 30 days pre-hospitalisation

Arogya Sanjeevani Plan (Eligibility Criteria)

Arogya Sanjeevani Plan
  • Entry age- 5 years
  • Max entry age- 65 years
  • SI- 5 L
  • Waiting period- 30 days

Individual and Family Health Insurance

Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...

Unique Features

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits

Care Operation Insurance (Pros)

Care Operation Insurance
  • Health services
  • Air Ambulance cover
  • Chemotherapy cover

Care Operation Insurance (Cons)

Care Operation Insurance
  • Illegal activities
  • Alcohol abuse
  • Obesity treatments

Care Operation Insurance (Other Benefits)

Care Operation Insurance
  • Dialysis cover
  • Second opinion
  • Organ donor cover

Care Operation Insurance (Eligibility Criteria)

Care Operation Insurance
  • Min entry age: 5 Years
  • Max entry age: 50 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder’s family is adequately covered. Care Advantage health insuranc...

Unique Features

  • High sum insured
  • 540+ procedures covered
  • Organ donation cover

Care Advantage Plan (Pros)

Care Advantage Plan
  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover
  • Automatic recharge
  • High SI

Care Advantage Plan (Cons)

Care Advantage Plan
  • 20% co-pay
  • Obesity treatment unavailable
  • Hazardous activity not covered

Care Advantage Plan (Other Benefits)

Care Advantage Plan
  • Ambulance cover available
  • Optional cover available
  • Co-pay waiver
  • Room rent modification

Care Advantage Plan (Eligibility Criteria)

Care Advantage Plan
  • Entry age- 91 days
  • Max entry age- Lifelong
  • SI- 25 L to 6 Cr
  • Waiting Period- 30 days

Critical Illness Health Insurance

Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered. Cancer can be defined as distress, hopelessness and loss. There cou...

Unique Features

  • Wide SI options
  • Lifelong renewability
  • Cancer-related global coverage

Cancer Mediclaim Policy (Pros)

Cancer Mediclaim Policy
  • Annual health checkup
  • Chemo and radiotherapy cover
  • Air ambulance cover
  • Chemo and radio therapy
  • Organ donor cover

Cancer Mediclaim Policy (Cons)

Cancer Mediclaim Policy
  • Change of gender treatment
  • Obesity treatment unavailable
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Cancer Mediclaim Policy (Other Benefits)

Cancer Mediclaim Policy
  • International second opinion
  • Doctor on call
  • Air ambulance cover
  • OPD cover

Cancer Mediclaim Policy (Eligibility Criteria)

Cancer Mediclaim Policy
  • Entry age- 5 years
  • Max entry age- 50 years
  • SI- 10 L to 2 Cr
  • Waiting Period- 30 days

Accident Health Insurance

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...

Unique Features

  • PTD & PPD cover
  • Cover for child education
  • 100% accidental death payout

Care Secure Personal Accident (Pros)

Care Secure Personal Accident
  • Accidental death
  • Accidental total disablement
  • Permanent total disablement

Care Secure Personal Accident (Cons)

Care Secure Personal Accident
  • Illegal activities
  • Alcohol abuse
  • Obesity treatment

Care Secure Personal Accident (Other Benefits)

Care Secure Personal Accident
  • Accidental hospitalisation
  • Tax benefits
  • Loyalty benefit

Care Secure Personal Accident (Eligibility Criteria)

Care Secure Personal Accident
  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits

Care Supreme Plan (Pros)

Care Supreme Plan
  • Modern treatments
  • Renewal discounts
  • Unlimited e-consultation

Care Supreme Plan (Cons)

Care Supreme Plan
  • Illegal activities
  • alcohol abuse
  • obesity treatments

Care Supreme Plan (Other Benefits)

Care Supreme Plan
  • Ambulance cover
  • Doctor on chat
  • Maternity care

Care Supreme Plan (Eligibility Criteria)

Care Supreme Plan
  • Min entry age: 18 Years
  • Max entry age: No age limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Free yourself from the worries of healthcare. As the name suggests, Care Freedom is the plan that allows you to be worry-free in every situation. Thi...

Unique Features

  • Additional health checkups
  • Dialysis cover
  • No pre-medical check-up

Care Freedom (Pros)

Care Freedom
  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual health checkup

Care Freedom (Cons)

Care Freedom
  • Change of gender treatment
  • Obesity treatment
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Care Freedom (Other Benefits)

Care Freedom
  • Cashless healthcare
  • No pre-policy check up
  • SI recharge
  • Lifelong renewability

Care Freedom (Eligibility Criteria)

Care Freedom
  • 2 plan variants
  • Consumable allowance
  • Annual health check-up
  • Long term discounts

Critical Illness Health Insurance

Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...

Unique Features

  • 32 Critical illnesses cover
  • Dialysis expenses covered
  • Avail psychiatric counselling

Care Critical Mediclaim (Pros)

Care Critical Mediclaim
  • Wellness benefits
  • Organ donor cover
  • 32 CI covered

Care Critical Mediclaim (Cons)

Care Critical Mediclaim
  • Obesity treatment
  • alcohol abuse
  • illegal activities

Care Critical Mediclaim (Other Benefits)

Care Critical Mediclaim
  • Global coverage
  • International opinion
  • Doctor on call

Care Critical Mediclaim (Eligibility Criteria)

Care Critical Mediclaim
  • Min entry age: 5 Years
  • Max entry age: 50 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr

Senior Citizen Health Insurance

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insure...

Unique Features

  • No pre-policy check-up
  • Annual rewards available
  • Reduction in wait period

Care Senior (Pros)

Care Senior
  • Affordable premiums
  • Day care treatments
  • ICU charges

Care Senior (Cons)

Care Senior
  • Illegal activites
  • Adventure sports
  • Alcohol abuse

Care Senior (Other Benefits)

Care Senior
  • No-claim bonus
  • Second opinion
  • Alternative treatments

Care Senior (Eligibility Criteria)

Care Senior
  • Min entry age: 61 Years
  • Max entry age: No Limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Individual and Family Health Insurance

Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...

Unique Features

  • No claim bonus up to 100%
  • Annual health check-ups
  • Personal accident cover

Care Plan (Pros)

Care Plan
  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatment
  • Pre-existing diseases

Care Plan (Cons)

Care Plan
  • War
  • Riot
  • AIDS
  • Miscarriage
  • Congenital disease

Care Plan (Other Benefits)

Care Plan
  • Lifelong renewability
  • ICU charges
  • Day care treatment
  • Ambulance cover
  • Organ donor cover

Care Plan (Eligibility Criteria)

Care Plan
  • Min entry age: 91 days
  • Max entry age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 6 Cr

Women Health Insurance

An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their ne...

Unique Features

  • Newborn baby cover
  • 541 Daycare treatments
  • Modern treatments cover

Care Joy Plan (Pros)

Care Joy Plan
  • 2 Plan variants
  • New born cover
  • Maternity cover

Care Joy Plan (Cons)

Care Joy Plan
  • Illegal activities
  • Alcohol abuse
  • Ambulance cover

Care Joy Plan (Other Benefits)

Care Joy Plan
  • No claim bonus
  • Renewal
  • Lifelong renewability

Care Joy Plan (Eligibility Criteria)

Care Joy Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Family

A top-up plan based on policy deductible principle Care Enhance is a super top-up health insurance plan that provides extra health insurance cove...

Unique Features

  • Flexible deductible
  • Modern treatments
  • No pre-medical check-ups

Care Enhance Plan (Pros)

Care Enhance Plan
  • Covers modern treatment
  • Flexible options of deducton
  • No pre-policy medical test
  • Annual health check-up
  • Floater option

Care Enhance Plan (Cons)

Care Enhance Plan
  • Change of gender treatments
  • Obesity treatment unavailable
  • HIV/AID not covered

Care Enhance Plan (Other Benefits)

Care Enhance Plan
  • High sum insured
  • Organ donor expenses
  • Expert opinion cover
  • Cashless treatment

Care Enhance Plan (Eligibility Criteria)

Care Enhance Plan
  • Entry age- 5 years
  • Max entry age- No age limit
  • SI- 1 L to 55 L
  • Waiting period- 30 days

Family

Get coverage based on your residential zone. Care Classic health insurance is a family floater health plan ideal for married couples, joint famil...

Unique Features

  • IVF treatment cover
  • Free doctor consultation
  • Discounted premiums

Care Classic (Pros)

Care Classic
  • Room rent covered
  • Day care treatment
  • Advanced technology methods
  • ICU charges

Care Classic (Cons)

Care Classic
  • Global coverage
  • Air ambulance
  • Vaccination
  • Daily hospital cash

Care Classic (Other Benefits)

Care Classic
  • AYUSH treatment
  • IVF treatment
  • Cataract
  • No claim bonus

Care Classic (Eligibility Criteria)

Care Classic
  • Min. entry age: 18 Years
  • Max. entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

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 comprehe...

Unique Features

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

Care Plus Plan (Pros)

Care Plus Plan
  • Ambulance cover
  • Day care treatments
  • Domiciliary hospitalization

Care Plus Plan (Cons)

Care Plus Plan
  • Illegal activities
  • alcohol abuse
  • obesity treatment

Care Plus Plan (Other Benefits)

Care Plus Plan
  • Personal accident cover
  • Inflation shield
  • Health services

Care Plus Plan (Eligibility Criteria)

Care Plus Plan
  • Min entry age: 5 Years
  • Max entry age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

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...

Unique Features

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

Care Heart Plan (Pros)

Care Heart Plan
  • Cardiac health check up
  • Second medical opinion
  • Automatic SI restoration
  • Lifelong cover

Care Heart Plan (Cons)

Care Heart Plan
  • Change of gender treatment
  • Obesity treatment unavaialable
  • Hazardous activity not covered
  • HIV/AIDS not covered

Care Heart Plan (Other Benefits)

Care Heart Plan
  • OPD care
  • Home care
  • International 2nd opinion
  • Automatic recharge
  • High SI

Care Heart Plan (Eligibility Criteria)

Care Heart Plan
  • Entry age- 18 years
  • Max entry age- No age limit
  • SI- 3 to 10 L
  • Waiting period- 30 days

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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.