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Care Critical Illness Health Insurance

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Care Health Insurance
Critical Mediclaim
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 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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Critical Mediclaim User Reviews

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What users are saying
  • All
  • Convenient payment options

    I am a policyholder of Care Health Insurance’s Critical Mediclaim plan. I bought the policy for my father through InsuranceDekho. The website delivered convenient payment options, so I could choose to pay by my debit card. There were no hidden charges.

    By Kushal Banik
    On: Feb 12, 2021
  • Smooth online payment

    While purchasing Care Health Insurance’s Critical Mediclaim using InsuranceDekho, I realised how smooth online payment is. The page did not take long to load and the portal is completely encrypted. I felt secure to provide my banking details.

    By Chandrima Modak
    On: Feb 11, 2021
  • Learned about types of claim s...

    To understand the ways of claim settlement, I came to InsuranceDekho. I clicked on the segment and got to know about cashless and reimbursement claims. The information was easily comprehensible and helped me during the claim settlement of my Care Health Insurance’s Critical Mediclaim.

    By Nilay Ramanathan
    On: Feb 10, 2021
  • Finding right insurance quote ...

    Until InsuranceDekho, I have never known finding the right insurance quote would be this easy. I landed and gave the basic details. My quotes were generated quickly. I checked them and found Care Health Insurance’s quote the most suitable. I bought the Critical Mediclaim plan.

    By Debarghya Chakrabarty
    On: Feb 05, 2021
  • Transparency assured

    I bought Care Health Insurance’s Critical Mediclaim Plan for one of my family members from InsuranceDekho. The plan is well-aligned with my expectations. I would also like to appreciate the transparent service provided by the website. The policy terms were clarified beforehand to avoid any type of confusion.

    By Ruchira Banerjee
    On: Jan 11, 2021

Care Critical Mediclaim Expert Review

  • Expert Review

    Religare Critical Mediclaim policy is a health plan which not only covers medical costs it also covers specified critical illnesses on an indemnity basis. The plan has a wide scope of coverage and provides both inbuilt as well as optional coverage features. A range of health-related services is also offered which help you lead a healthy life. So, if you want a plan covering critical illnesses as well as normal hospitalisations, this plan fits the bill.

    The sum insured options under the plan are high starting from Rs. 10 Lakh and going up to Rs. 2 Crore. You can buy the plan if you are aged 5 years to 50 years. Coverage is available on an individual basis only and up to six members can be covered under the plan. You don’t have to undergo any pre-entrance medical check-ups making the plan easy to buy.

  • 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
  • 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
  • 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. 

Care Critical Mediclaim Brochure

  • 403.17 KB
  • PDF Document
  • May 26, 2019

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Critical Mediclaim Health Insurance Plan

  • What are the premium payment options available under Critical Mediclaim?

    There are single, monthly, and quarterly premium payment options available under Critical Mediclaim plan.

  • How does dialysis cover under Critical Mediclaim plan help?

    Under Critical Mediclaim plan, there is dialysis coverage up to the sum insured.

  • 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. 

  • 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.

  • 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.

  • When I buy Critical Mediclaim plan, do I get a cashless health card?

    Yes, you get a cashless health card on purchase of a Critical Mediclaim plan for availing cashless facility.

  • What are the health services provided under the Critical Mediclaim plan?

    There are various health service benefits available under Critical Mediclaim plan. Some of them include quick recovery counselling, doctor on call, health portal, global coverage, OPD expenses for a covered condition, international second opinion, air ambulance, etc.

  • What is a no-claim benefit under Critical Mediclaim plan?

    No-claim benefit under Critical Mediclaim plan means that there is an increase in the sum insured options for 1st, 2nd, and 3rd continuous claim free policy years up to a maximum of 100% of sum insured.

  • What is the age limit under Critical Mediclaim plan?

    The age limit under Critical Mediclaim plan is 5 years to 50 years on an individual basis.

  • Is floater policy available under Critical Mediclaim plan?

    No, the floater policy is not available under Critical Mediclaim plan.

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