Care Critical Illness Plans
Critical Illness entails major surgeries or severe illnesses in which a patient may require immediate and intensive care. Medical expenses during the treatment of any critical illness can be a lot as patients require long-term care. Health insurance with the benefit of critical illness coverage can be advantageous during times like these for the policyholder.
Care Health Insurance provides critical illness as an add-on and has a specific plan for it. Critical mediclaim is a separate plan provided by Care Health Insurance for critical illness. A sum insured from over Rs. 10 lakh to Rs. 2 crores with no pre-medical check-ups necessary, Care Critical mediclaim is one of the top critical illness plans. They provide coverage for 32 critical illnesses with an initial waiting period of 90 days. [1][2]
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How to Add Critical Illness Cover as an Add-On on the Care Health Insurance
Online Process
From InsuranceDekho:-[4]
Step 1:- Open the InsuranceDekho official website.
Step 2:- Fill in your details.
Step 3:- Select the Care Critical Mediclaim plan.
Step 4:- Finish payment for finalising the purchase.
Step 5:- An advisor from InsuranecDekho will call you to confirm policy issuance.
From Care Health Insurance:-[5]
Step 1:- Visit Care Health Insurance's official website
Step 2:- Fill in your details.
Step 3:- Select the Care Critical Mediclaim plan.
Step 4:- Customise your plan according to your requirements.
Step 5:- Make a premium payment to finalise the purchase.
Offline Process
From InsuranceDekho:-[3]
To purchase a Health Insurance policy, connect with an advisor from InsuranceDekho on 7551196989. InsuranceDekho also offers in-house assistance to customers if needed and customers can get all their concerns and doubts cleared.
Documents Required
- Voter ID Card
- Pan Card
- Aadhaar Card
- Driving Licence
- Passport
- Birth certificate
- 10th or 12th mark sheet
Care Critical Illness Customer Care & Assistance
InsuranceDekho:-
Email:-support@insurancedekho.com
Helpline Number:- 7551196989
Care Health Insurance:-
Email:- customerfirst@careinsurance.com
Whatsapp:- 8860402452
Health Insurance Coverage Calculator
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- Individual
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- Family
- Parents
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References
[1]https://www.careinsurance.com/cms/public/uploads/download_center/critical-mediclaim-leaflet---web.pdf
[2]https://www.careinsurance.com/product/care-critical-mediclaim
[3]https://www.insurancedekho.com/health-insurance/care/customer-care
[4]https://www.insurancedekho.com/health-insurance/care
[5]https://www.careinsurance.com/health-insurance/critical-illness-insurance
Benefits of Care Critical Illness Cover
The following are the unique benefits provided by the Care Critical Mediclaim plan:-[1]
- Lifelong Renewability:- The Care Critical Mediclaim plan offers customers lifelong renewability where a customer has no exit age. The customer will get medical coverage till the time they renew their critical illness plan.
- Installment Benefit:- The customer has the unique benefit of paying their premium in installments. They can make payments monthly and quarterly based on their convenience.
- Out-patient Department:- Consultation fees for the doctors are also covered under the Care Critical Mediclaim Plan in the Out-patient Department.
- International Second Opinion:- The Care Critical Mediclaim Plan offers a unique feature of an international second opinion as an option for customers. However, this is an add-on to the base policy where a customer can choose this rider with an additional premium.
- Quick Recovery Counselling:- Care Critical Mediclaim provides quick recovery counseling which involves therapies, counseling, etc. This helps a customer with efficient recovery.
- Air Ambulance:- The benefit of air ambulance is also an optional benefit provided by the Care Critical Mediclaim health insurance Plan. Medical emergencies might need urgent medical care and an air ambulance provides that to the policyholders. Care Health Critical Medical Plan provides air ambulance cover as an add-on.
Care Critical Illness Coverage and Limits
Care Critical Illness Cover and Plan provides its customers with a wide coverage of over 30 illnesses. Major diseases are covered under this critical illness plan.
The table below shows the coverage and limits offered by Critical Mediclaim Plan by Care Health Insurance Policies:-[2]
Coverage | Limits |
Day Care Treatment | Self-Inflicted Injury |
Chemotherapy and Radiation Cover | Injury due to Alcohol or Drug Abuse |
Alternative Treatment | HIV or any other sexually transmitted disease |
Annual Health Check-ups | Cosmetic Surgery |
No Claim Bonus | Complications related to bearing a child (maternity) |
No Specific Ailment Waiting Period | Damage caused by biological attacks and weapons |
Dialysis Cover | Injuries due to breach of law |
Organ Donor Cover | |
Psychiatric Counselling | |
Pre and Post-Hospitalisation |
The types of critical illnesses covered:-[5]
- Alzheimer's Disease
- Cardiomyopathy
- Cancer
- End-stage lung disease
- Cardio Artery Surgery
- Pericardiectomy
- Pulmonary Thromboembolism
- Implantation of Pacemaker of the Heart
- End-stage liver disease
- Surgery for cardiac arrhythmia
- Benign brain tumour
- Heart Valve Replacement/repair
- Paralysis
- Surgery to Place Ventricular Assist
- Devices or Total Artificial Hearts
- Primary (Idiopathic) Pulmonary
- Hypertension
- End-stage renal failure
- Bacterial meningitis
- Coronary Artery Bypass Graft
- Implantable Cardioverter Defibrillator
- Major burns
- Parkinson's disease
- Motor neuron disorder
- Angioplasty
- Myocardial infarction
- Ineffective Endocarditis
- Multiple Sclerosis
- Major organ transplant
- Stroke
- Surgery of aorta
- Balloon Valvotomy/Valvuloplasty
- Blindness
- Aplastic Anaemia
Eligibility Criteria for Care Critical Illness Plan And Add-on
An adult can purchase the plan if they are at least 5 years of age and a child should be at least 91 days to 4 years of age. However, the coverage provided under this Care Critical Illness plan is lifelong as there is no exit age. However, you can reach out to an advisor for further details.
FAQs
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Does Care Health Insurance have a separate critical illness plan?
Yes, Care Health Insurance provides a separate plan for critical illness. The Care Critical Mediclaim offers all critical illness-related treatments.
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What are the age restrictions for purchasing a critical illness plan from Care Health Insurance?
The age restrictions for purchasing a critical illness plan from Care, an individual child should be at least 5 years of age and an adult should be 18 years old. In a family floater plan the child should be 91 days to 4 years old and an adult 18 years old.
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Can the waiting period be waived for critical illness by paying an extra amount of premium?
Yes, Care Health provides the benefit of waiving the waiting period for critical illness if they can pay an extra premium amount for the add-on that helps remove waiting period.
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Does the critical illness plan cover family members of the policyholder?
No, under the Care Health Insurance critical illness plan only an individual is covered not the entire family.