Care Critical Mediclaim Policy: Check Benefits and Coverage
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Care Critical Mediclaim

The Critical Mediclaim Care health insurance policy provides protectio ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

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.

Why Do We Recommend This?
  • Psychiatric counseling
  • Emergency Ambulance Services
  • AYUSH Treatments

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
5 to 50 Years
Plan type
Critical Illness Health Insurance
Sum insured options
₹10 L, ₹25 L, ₹50 L, ₹1 L, ₹2 L
Waiting period
90 days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time 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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Wellness benefits
  • Organ donor cover
  • 32 critical illnesses covered

Cons

  • Obesity treatment
  • alcohol abuse
  • illegal activities

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 5 Years
  • Max entry age: 50 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Crore

Frequently Asked Questions

The 6 most-asked questions about Care Critical Mediclaim, answered.

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.

Conclusion

Care Critical Mediclaim is a specialized plan designed to cover major critical illnesses with high f

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 19 Nov 2024

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