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Care Critical Mediclaim health insurance policy provides protection against 32 defined critical illnesses based on an indemnity plan. This policy ensures an undistracted recovery without worrying about financial strength. It covers multiple critical illnesses including heart-related diseases, kidney failure, liver issues, dialysis, organ transplant or surgery, paralysis, stroke, and more.
Additionally, avail psychiatric counseling to support mental and emotional well-being. Pre and post-hospitalization care for chemotherapy and radiotherapy sessions is also available.
To learn more about the Care Critical Mediclaim policy, including its benefits, coverage options, and exclusions, continue reading below.
| PLAN DETAILS |
Care Critical Mediclaim Policy |
Loan Insurance Policy |
| Product Type | Critical Illness Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
11400+ | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | - |
| Plan Entry Age | 5 to 50 Years | 18 years to 65 years |
| Plan Premium Entry Age and S/A | 2094 | 2,000 |
| Plan Waiting Period | 90 | 90 |
| Plan Coverage | In-patient hospitalization, Pre post hospitalization, Chemotherapy radiotherapy, Dialysis treatment cover | Critical Illness/Accident/Job Loss |
| Plan Sample Premium | 2094 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1/2/3 Years |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Not Covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Covered | - |
| E Consultation | Covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Covered | - |
| Claim Ratio | 97 | - |
| Solvency Ratio | 1.74 | 2.03 |
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