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The Critical Mediclaim Care health insurance policy provides protection against 32 defined critical illnesses based on an indemnity plan. This comprehensive health policy ensures a smooth recovery without financial worries. Coverage includes multiple critical illnesses such as heart-related diseases, kidney failure, liver issues, dialysis, organ transplant or surgery, paralysis, and stroke.
Additionally, psychiatric counseling is available to support mental and emotional healing. Pre and post-hospitalization care is provided for chemotherapy and radiotherapy sessions.
Want to know more about the Care Critical Mediclaim policy? Read further for more information about the plan, benefits, coverage options, and exclusions.
| PLAN DETAILS |
Care Critical Mediclaim Policy |
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Premium Personal Guard |
| Product Type | Critical Illness Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
11400+ | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Applicable |
| Plan Entry Age | 5 to 50 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 2094 | 1300 |
| Plan Waiting Period | 90 | No |
| Plan Coverage | In-patient hospitalization, Pre and post-hospitalization, Chemotherapy and radiotherapy, Dialysis treatment cover | Accidental death cover, Permanent disability cover, Partial disability cover, Temporary disability cover, Hospital expenses cover |
| Plan Sample Premium | 2094 | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1 Year |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 97 | 99.23 |
| Solvency Ratio | 1.74 | 3.25 |
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