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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, including cancer and heart conditions, with additional features and benefits. The plan aims to reduce the financial distress caused by the diagnosis and treatment of major critical illnesses, which might deplete your savings. The critical illness plan offered by Care Health Insurance provides a wide range of sum insured options, ranging from 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 and adults from 18 years of age, with no upper age limit for entry. 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 over 20,800 network hospitals, Care Critical Illness Insurance is among the best choices for health insurance plans against critical illnesses. The insurance plan includes various health services like quick recovery counseling, doctor on call, health portal, global coverage, and other 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 Type | Individual/Family Floater |
| Sum Insured | 10 Lakh to 2 Crore |
| Critical Illnesses Covered | 32 |
| Network Hospitals | 20800+ |
| No Claim Bonus | 25% every claim-free year, up to 100% SI |
| Co-Payment Option | 20% 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 covers cancer, heart ailments, and medical procedures. The plan offers a wide range of sum insured from 10 Lakh to 2 Crore. Under the critical illness benefit, 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 counseling, health portal, global coverage, and OPD expenses as per sub-limits mentioned in the policy schedule. - Optional Benefits
Customers can add optional benefits to their base policy and customize the health insurance plan as per their requirements. Options include deductible, co-payment, unlimited automatic recharge, and international second opinion. - Tax Benefit
All premiums paid towards the Care Critical Illness Health Insurance are eligible for tax deductions as per the Income Tax Act.
Eligibility Criteria for Care Critical Illness Insurance
Below are 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-law
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 following features:
| In Patient Care | Up to SI |
| Day Care Treatment | Up to SI |
| Pre and Post Hospitalization | Pre-hospitalization - 30 days Post hospitalization - 60 days up to SI |
| Chemotherapy and Radiotherapy | Up to SI |
| Dialysis Cover | Up to SI |
| Ambulance Cover | Up to INR 3,000 per hospitalization |
| Organ Donor Cover | Up to SI or 15 L whichever is lower |
| Alternative Treatments | Up to 25% of SI |
| Second Opinion | Once covered per policy year |
| Annual Health Check-up | Available from 2nd policy year |
| Quick Recovery Counseling | 8 sessions post-hospitalization in a policy year |
| Doctor On Call | Available via telephone or online mode |
| Health Portal | Available via Care’s official website |
| Global Coverage | Up to SI |
| OPD Expenses | Up to 1% of SI, Maximum up to INR 25,000 |
What is Not Covered Under Care Critical Illness Insurance?
There are certain exclusions for the Care Critical Illness Insurance plan:
- Sexually transmitted diseases 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. Follow these steps to understand the procedure:
- In case of emergency hospitalization, notify the insurer within 24 hours of hospitalization.
- For planned hospitalization, inform the insurer 48 hours before hospitalization.
- For cashless claim settlement, fill out the pre-authorized claim form at the network hospital.
- Care Health Insurance will verify the details and documents and process the claim requests.
- Once verified, the claim will be settled directly with the network hospital.
In a Nutshell
Care Critical Illness Insurance is for individuals who want to manage critical illness treatment and recovery. The cost of critical illness treatment in India is increasing and can cause a financial burden for families. The plan covers over 32 critical illnesses with a wide range of sum insured options and unique benefits like global coverage, health services, and optional benefits, customizable to fit families and individuals as per their requirements.
