Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-facilitated health policy ensures you an undistracted recovery without worrying much about losing your heart and financial strength. You are covered for multiple critical illnesses including heart-related diseases, kidney failure, liver issues, dialysis, organ transplant or surgery cover, paralysis, stroke, and so on.
Additionally, avail of psychiatric counselling to heal yourself mentally and emotionally. The pre and post-hospitalization care for treatment is up there for chemotherapy and radiotherapy sessions as well.
Want to know more about the Care Critical Mediclaim policy? Read further to get more information about the plan below, benefits, coverage options and exclusions, you’ll get all the answers to your queries.
The below-mentioned factors decide the eligibility criteria for the Care Critical Mediclaim policy:
Child- 5 years
Adult- 18 years - No Limit
Individual (Max 6 persons)
1/2/3 years
10 L - 2 Cr
90 days
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
To know more about the plan, read the policy brochure provided below:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
NA
Daycare Treatment
Covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
NA
No Claim Bonus
Covered
Automatic Restoration
NA
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under the Care Critical Mediclaim Policy
Covered for a single private room; no limit.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under the Care Critical Mediclaim Policy
Covered
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under the Care Critical Mediclaim Policy
Covered (30 days)
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under the Care Critical Mediclaim Policy
Covered (60 days)
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under the Care Critical Mediclaim Policy
Not Covered
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under the Care Critical Mediclaim Policy
Covered upto SI
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under the Care Critical Mediclaim Policy
Covered up to 1% of the SI or up to INR 25K
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under the Care Critical Mediclaim Policy
Covered
A common eye condition in which your vision gets blurred.
Coverage status under the Care Critical Mediclaim Policy
Not Covered
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under the Care Critical Mediclaim Policy
Available up to a maximum of 100%
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under the Care Critical Mediclaim Policy
Not available
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under the Care Critical Mediclaim Policy
Not covered
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under the Care Critical Mediclaim Policy
Covered
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under the Care Critical Mediclaim Policy
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Coverage status under the Care Critical Mediclaim Policy
Not Covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under the Care Critical Mediclaim Policy
Covered up to 25% of the SI
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under the Care Critical Mediclaim Policy
Not covered
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under the Care Critical Mediclaim Policy
Covered
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under the Care Critical Mediclaim Policy
Covered up to INR 3K per hospitalization
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under the Care Critical Mediclaim Policy
Covered (for international cover) up to INR 5 Lakhs
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under the Care Critical Mediclaim Policy
Not covered
Any kind of medical/health emergency when you are outside of India.
Coverage status under the Care Critical Mediclaim Policy
In-patient and daycare hospitalization cover for above or equal to 1 Crore sum insured (10% co-pay applicable on every claim)
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under the Care Critical Mediclaim Policy
Available (telephone/online)
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under the Care Critical Mediclaim Policy
Available for annual health check-ups after 2nd policy year continued on
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under the Care Critical Mediclaim Policy
Covered
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under the Care Critical Mediclaim Policy
Not Covered
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under the Care Critical Mediclaim Policy
Applicable (for global cover) at 10% per claim
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under the Care Critical Mediclaim Policy
Not available.
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 9747+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
There might be an extended list of exclusions under this plan (check the brochure/policy wording). We’ve listed some of the standard exclusions of the Care Critical Mediclaim plan for you:
Self-inflicted injury
An attempt to suicide/suicide
Alcohol, tobacco, and drug substance consumption treatment leading to complications thereof
HIV/STD
Beauty treatment/cosmetic surgeries
Nuclear fusion/war weapon attacks
Hazardous sports and life-threatening activities
Maternity, childbirth, pregnancy-related complications, miscarriages, etc
Criminal intent or an unlawful act
Care Critical Illness Mediclaim policy is specially designed to cater to the insured healthcare needs at times of emergency. It covers your medical bills for up to 32 critical illnesses that are specified in policy documents.
Do you have more questions related to this policy? Reach out to the expert customer care team of PolicyX at 1800 4200 269.
Care Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
Comprehensive
A plan designed to provide coverage for the high expenses occurred from major surgeries and procedures.
Unique Benefits
Flexible
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
Comprehensive
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Affordable
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
Maternity
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Standard
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Diabetes & BP
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
Heart Diseases
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
Cancer Care
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Top-Up Plan
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
Senior Citizen Plan
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Critical Illness Plan
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
Supreme Plan
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
Supreme Plan
A unique personal accident plan covering serious ailments arising due to accidents and safeguarding your family
Unique Benefits
Yes, parents can be covered under this plan.
You should buy this policy if you have a family history of critical illnesses, you are the sole breadwinner of the family or have a high chance of getting a critical illness.
Yes, the pre-medical examination is compulsory as per the underwriting procedures. The insurer will pay all the check-up expenses if the policy proposal gets accepted.
Yes, you can still buy this insurance policy as per the underwriting notes.
Care critical mediclaim policy covers the treatment expenses of 32 specified critical illnesses including cancer, bypass surgery, kidney failure, chemotherapy, radiotherapy, dialysis, and so on.
Yes, you can avail of the tax benefits under section 80D of the Income Tax Act of India.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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