Care Critical Illness Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 95.22% |
Network Hospitals | 21,100+ |
Pre-existing Disease Coverage From | Day 1 |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs coverage | Rs. 546/month |
About Care Critical Illness Health Insurance
Critical Mediclaim Plan by Care Health Insurance (Religare) is an affordable medical insurance plan specifically designed to cover critical illnesses such as heart ailments, kidney problems, cancer, major organ surgeries, stroke, paralysis, etc. It is one such plan that provides much-needed financial respite when diagnosed with major 32 defined critical illnesses. The plan offers a comprehensive medical solution and ensures stability and lifelong commitment to your well-being.
The Critical Mediclaim insurance plan comes with higher sum insured options such as Rs. 10 Lakh, Rs. 25 Lakh, Rs. 50 Lakh, Rs. 100 Lakh and Rs. 200 Lakh. This plan has the benefit of higher coverage with a low premium. There is coverage offered for treatment expenses along with international second opinion and air ambulance cover. There are various health services also available under the plan, such as quick recovery counselling, doctor on call, global coverage.
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Key Inclusions and Exclusions of the Plan
What's Included
- Coverage for 32 defined critical illnesses
- Coverage for chemotherapy and radiotherapy expenses
- No limit on ICU charges
- The benefit of room rent modification
- Organ donor and dialysis cover
What's Not Included
- Treatment-related to sexually transmitted diseases
- Expenses related to dental treatment or surgery
- Expenses incurred for the cost of spectacles or lenses, routine ear and eye examinations
- Treatment expenses for change of sex or gender
- Non-allopathic treatment expenses
6003 Care Cashless Network Hospitals in India
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Care Critical Mediclaim Expert Review
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Major Attractions
The plan has a blend of some of the best inbuilt and optional coverage features making it comprehensive. You get coverage for 32 critical illnesses, diseases and surgeries for basic medical expenses like hospitalisation costs, pre and post hospitalisation costs, day care treatments, ambulance charges, etc. Moreover, the coverage scope is widened with the following benefits –
- There is a coverage for chemotherapy, radiotherapy and dialysis without any sub-limits
- AYUSH treatments are also covered under the plan
- OPD expenses incurred on the critical conditions covered by the policy are also covered
- You can avail a free second opinion if you suffer from any of the covered critical conditions
- Free annual health check-ups are allowed from the second policy year
- Free health services are provided by the plan which include quick recovery counselling, doctor on call and health portal services
- Air ambulance cover of up to Rs. 5 Lakh can be availed on optional basis
- The facility of international second opinion and global can also be availed
- Global coverage is also allowed under the plan which covers treatments taken abroad
- No claim bonus is allowed @50% after the first claim-free year, 25% in the second consecutive claim-free year and another 25% after three claim-free year, making the sum insured double within three policy years
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What’s More?
Besides these comprehensive coverage benefits, the plan also has the following features –
- The policy can be renewed lifelong without any limit on the maximum coverage age
- A 10% premium discount is allowed if you buy a 3-year policy
- The premiums paid are allowed as a tax deduction under Section 80D
- The premium can be paid in monthly or quarterly installments
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Conclusion
Religare Critical Mediclaim is a unique plan which covers critical illnesses as well as basic hospitalisation costs. The premiums are affordable too and can be paid in installments making them suitable for your pockets. The coverage benefits are also inclusive ensuring all your medical expenses are taken care of.
If you are looking to buy the plan, go online. The online medium is quick and simple and makes buying the policy convenient. InsuranceDekho website is one such online platform which allows you to buy the policy easily. The website not only allows you the ease of purchase but it also guides you in the buying process.
Claim Process at Care Health Insurance
FAQs on Critical Mediclaim Health Insurance Plan
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How does dialysis cover under Critical Mediclaim plan help?
Under Critical Mediclaim plan, there is dialysis coverage up to the sum insured.
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Why is it necessary to disclose my state of health correctly when buying critical illness plan?
Declaring the correct and accurate health information at the time of purchase ensures smooth processing of the claim at the time of need.
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What is the time period for pre and post hospitalisation coverage under Critical Mediclaim plan?
Pre-hospitalisation is covered for up to 30 days, and post-hospitalisation is covered for up to 60 days.
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What is the waiting period under the Critical Mediclaim plan?
The initial waiting period under Critical Mediclaim plan is 90 days. There is no waiting period for specified ailments. However, for pre-existing conditions, the waiting period is 4 years.