Care Critical Illness Plan
  • 32 CI Covered
  • Up to 2 Cr SI
  • 20800+ Network Hospitals
premium

Network hospitals

9747+

premium

Incurred claim ratio

53.82%

premium

Sum insured

Up to 6 CR

premium

No. of Plans

14

premium

Solvency Ratio

1.8

premium

Pan India Presence

-

Recognized By carePolicyX.com is a Recognised Care Partner View Certificate

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

9747+

premium

Incurred claim ratio

53.82%

premium

Sum insured

Up to 6 CR

premium

No. of Plans

14

premium

Solvency Ratio

1.8

premium

Pan India Presence

-

Recognized By carePolicyX.com is a Recognised Care Partner View Certificate

Care Critical Illness Insurance

Care Critical Illness Insurance is a comprehensive health insurance plan designed to protect you and your family against 32 listed critical illnesses along with cancer, Heart and operation mediclaim with additional features and benefits. The plan is designed to reduce the financial distress caused due to diagnosis and treatment for any of the listed major critical illnesses which might drain your hard-earned savings. Critical illness plan offered by care health insurance offers a wide range of sum insured to the insured individual ranging between 10 Lakh to 2 Crore.

It is an individual and family floater policy with diverse coverage terms. Care critical illness insurance plan is available for children from the age of 5 years as well as for adults from 18 years of age. However, there is no upper age limit for entry age in the plan. Insured individuals can cover themselves, their legally wedded spouse, 2 children, 2 siblings, parents, parents-in-law, uncle, aunt, nephew, niece, grandparents, grandchildren, and more. With 20800+ network hospitals, Care critical illness insurance is amongst the best choices of health insurance plans against critical illnesses. There are various health services embedded in the insurance plan like quick recovery counseling, doctor on call, health portal, global coverage, and other such benefits. To know more about the health insurance plan in detail read the details mentioned in the article.

Recommended Videos

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Care Critical Illness Insurance Plan

Care Critical Illness Insurance Plan

Care Critical Illness Insurance At A Glance

Plan Type Individual/ Family Floater
Sum Insured 10 lac to 2 Crore
Critical Illnesses Covered 32
Network Hospitals 20800+
No claim Bonus 25% every claim-free year, up to 100% SI
Co-Payment Option 20% per claim

Read more specifications in the brochure.

Benefits of Care Critical Illness Insurance

Care Critical Illness Insurance provides a financial safety net against 32 listed critical illnesses. Policyholders investing in this plan are entitled to various benefits as mentioned below:

  • Discounts
    Insurance holders can avail a long-term policy discount of up to 10% along with a fixed 2.5% discount on covering additional family members under the same policy.
  • Cancer and Heart Mediclaim Benefits
    Along with critical illnesses, the policy is divided in such a way that you can opt for coverage against cancer, heart ailments, and any medical procedure. The plan has a wide range of sum insured from 10 lac to 2 crore. However, under the critical illness benefit of the plan the insured individuals can avail up to 10 Lakh INR as a sum insured benefit.
  • Health Services
    Individuals investing in care critical illness insurance will have access to various health services such as doctor on call, quick recovery counseling, health portal, global coverage, and OPD expenses as per sub-limits mentioned in the policy schedule.
  • Optional Benefits
    There are a plethora of optional benefits that customers can add to their base policy and customize the health insurance plan as per their requirement. Deductible option, co-payment option, unlimited automatic recharge, and international second opinion are a few examples of these additional services under the care critical illness health insurance
  • Tax Benefit
    All the premiums paid towards the Care Critical Illness Health Insurance will be eligible for tax deductions as per the Income Tax Act.

Eligibility Criteria for Care Critical Illness Insurance

We have mentioned below the eligibility criteria required to invest in the critical illness insurance plan offered by Care Health Insurance:

Child Entry Age

Minimum: Child: 91 Days to 4 Years Adult: 18 Years

Adult Entry Age

Maximum: Lifelong

Relationships Covered

Self, spouse, up to 2 children, up to 2 parents, and 2 parents-in-laws

Policy Tenure

1/2/3 Years

Premium Payment Mode

Single/Monthly
/Quarterly

Initial Waiting Period*

90 Days

What is Covered Under Care Critical Illness Insurance?

The plan provides coverage for the below-mentioned features:

In Patient Care Up to SI
Day Care Treatment Up to SI
Pre and Post Hospitalization Pre-hospitalization - 30 days
Post hospitalization - 60 days up to SI
Chemotherapy and Radiotherapy Up to SI
Dialysis Cover Up to SI
Ambulance Cover Up to INR 3,000 per hospitalization
Organ Donor Cover Up to SI or 15 L whichever is lower
Alternative Treatments Up to 25% of SI
Second Opinion Once covered per policy year
Annual Health Check-up Available from 2nd policy year
Quick Recovery Counseling 8 sessions post-hospitalization in a policy year
Doctor On Call Available via telephone or online mode
Health Portal Available via Care's official website
Global Coverage Up to SI
OPD Expenses Up to 1% of SI, Maximum up to INR 25,000

What is Not Covered Under Care Critical Illness Insurance?

There are certain exclusions valid to care critical illness insurance plan:

  • Sexually transmitted disease or HIV/AIDS.
  • Influence of intoxicating liquor or drugs.
  • Suicide or attempted suicide, intentional self-injuries.
  • Congenital external diseases, defects, or anomalies.
  • The insured person committing any breach of law.
  • Birth control procedures and hormone replacement therapy.

How To Claim Care Critical Illness Insurance?

The claim process for Care critical illness insurance is hassle-free. Please go through the following steps to understand the procedure in detail:

  1. In case of an emergency hospitalization notify the insurer within 24 hours of your hospitalization.
  2. In case of planned hospitalization insured individuals must intimate the insurer 48 hours prior to the hospitalization.
  3. For cashless claim settlement insured, individuals can fill out the pre-authorized claim form at the network hospital.
  4. Care Health Insurance will cross-check all the details and documents and verify the claim requests.
  5. Once the verification process is completed the claim will be directly settled with the network hospital.

In a Nutshell

Care Critical Illness Insurance is for individuals who want to manage critical illness treatment and recovery. Critical illness treatment in India is ever-increasing in cost and can cause a financial burden for the family. The plan is fully equipped to treat over 32 critical illnesses with a vast range of sum insured options and unique benefits like global coverage, health services, optional benefits, and more which can be customized in order to fit families and individuals as per their requirements.

Explore Other Care Health Insurance Plan

Care Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Comprehensive

A plan designed to provide coverage for the high expenses occurred from major surgeries and procedures.

Unique Benefits

  • Life Long Coverage
  • Flexible Tenure Options
  • Surgical Procedure Cover

Care Operation Insurance Plan (Pros)

  • Annual Health Checkup
  • Second Opinion Cover
  • Lifetime Renewability
  • Day Care Treatment
  • Road Ambulance Cover

Care Operation Insurance Plan (Cons)

  • No C- Section Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Operation Insurance Plan (Other Benefits)

  • Organ Donor Cover
  • ICU Cover
  • In Patient Cover
  • Modern Treatment
  • No Claim Bonus

Care Operation Insurance Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Flexible

A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.

Unique Benefits

  • 200% increase in cumulative bonus
  • Rewards for being fit
  • Dental and Ophthalmic cover

Care Plus (Pros)

  • Unlimited Recharge Benefit
  • High Sum Insured
  • Cover up to 6 family members
  • Up to 200% No Claim Bonus
  • 10% renewal discount

Care Plus (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Plus (Other Benefits)

  • 5% Digital Discounts
  • Annual health check-up
  • Unlimited e-consultations
  • Health Services Available
  • Air Ambulance Cover

Care Plus (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Care Classic (Pros)

  • Zone-Based Health Insurance
  • Family Floater Plan
  • Affordable Plan
  • High Sum Insured
  • Value Added Services

Care Classic (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Classic (Other Benefits)

  • Unlimited e-consultations
  • Annual Health Check-up
  • Wellness Services
  • OPD care
  • ENT Consultations

Care Classic (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Affordable

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Advantage (Pros)

  • Automatic Recharge
  • High SI
  • 50% No Claim Bonus
  • Ambulance Cover
  • Optional Cover Available

Care Advantage (Cons)

  • 20% Co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Advantage (Other Benefits)

  • 5 L Air Ambulance Cover
  • Reduction in PED Waiting period
  • Co-pay Waiver
  • Annual Health Check-up
  • Room rent modification

Care Advantage (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 25 L to 6 Cr
  • Waiting Period - 30 Days

Maternity

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Joy (Pros)

  • 2 Plan Variants
  • Maternity Plan
  • New Born Baby Cover
  • Day Care Treatment
  • Modern Treatment Cover

Care Joy (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Joy (Other Benefits)

  • Long term discount
  • Congenital Disease Cover
  • 100% increase in SI
  • Ambulance Cover
  • Lifelong Renewability

Care Joy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 3 L/5 L
  • Waiting Period - 30 Days

Standard

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Arogya Sanjeevani (Pros)

  • Affordable Premium
  • Lifelong Renewability
  • Tax Benefits
  • Ambulance Expenses Cover
  • Cataract Treatment Cover

Care Arogya Sanjeevani (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Arogya Sanjeevani (Other Benefits)

  • Modern Treatments Available
  • 50% Cumulative Bonus
  • 30 Days Pre Hospitalization
  • 60 Days Post Hospitalization
  • COVID-19 Cover

Care Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 5 L
  • Waiting Period - 30 Days

Diabetes & BP

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

Care Freedom (Pros)

  • Cashless Healthcare
  • No pre-policy check-ups
  • SI Recharge
  • Lifelong Renewability
  • 15-day free-look period

Care Freedom (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Freedom (Other Benefits)

  • 2 Plan variants
  • Consumable Allowance
  • Annual Health Check-up
  • Long Term Discounts
  • Dialysis Cover

Care Freedom (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

Heart Diseases

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Care Heart (Pros)

  • Lifelong Cover
  • Domiciliary Hospitalization
  • Cardiac Check-up
  • Ambulance Expenses
  • No claim bonus

Care Heart (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Heart (Other Benefits)

  • OPD Care
  • Home Care
  • International 2nd Opinion
  • Automatic Recharge
  • High SI

Care Heart (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age limit
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

Cancer Care

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Cancer Mediclaim (Pros)

  • Chemo & Radio Therapy
  • Organ Donor Cover
  • Annual Health Check-up
  • Covers all major cancer
  • Lifelong Renewability

Care Cancer Mediclaim (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Cancer Mediclaim (Other Benefits)

  • International Second Opinion
  • Doctor On Call
  • Air Ambulance Cover
  • Quick Recovery Counseling
  • OPD Cover

Care Cancer Mediclaim (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 50 Years
  • SI - 10 L to 2 Cr
  • Waiting Period - 30 Days

Top-Up Plan

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

Care Enhance (Pros)

  • Annual Health Check-up
  • Family floater option
  • Pre & Post Hospitalization
  • Inpatient care
  • Day Care Treatments

Care Enhance (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Enhance (Other Benefits)

  • High Sum Insured
  • Organ Donor Expenses
  • Expert Opinion Cover
  • Cashless Treatment
  • Long Term Policy

Care Enhance (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - No age limit
  • SI - 1 L to 55 L
  • Waiting Period - 30 Days

Senior Citizen Plan

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Care Senior Citizen (Pros)

  • No pre-policy check-up
  • Annual Health Check-up
  • 540+ Day Care Treatments
  • EMI premium options
  • Discounts Available

Care Senior Citizen (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Senior Citizen (Other Benefits)

  • Organ Donor Cover
  • Second Opinion Available
  • Affordable Premiums
  • Covid-19 Treatment
  • Ambulance Cover

Care Senior Citizen (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - No age limit
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Supreme Plan

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Supreme Plan

Care Secure Personal Accident Insurance

A unique personal accident plan covering serious ailments arising due to accidents and safeguarding your family

Unique Benefits

  • Mobility Cover
  • Tax Benefits
  • Burn Damage Cover

Care Secure Personal Accident Insurance (Pros)

  • Road Ambulance Cover
  • Fracture Cover
  • High Sum Insured
  • Accidental Hospitalization
  • Permanent Total Disablement

Care Secure Personal Accident Insurance (Cons)

  • Pre-existing injuries not covered
  • Suicide not covered
  • Adventure sport injuries not covered
  • Claims related to mental illness
  • Individuals working with explosives

Care Secure Personal Accident Insurance (Other Benefits)

  • Loyalty Benefit
  • Child Education
  • Permanent Partial Disablement
  • Diagnosis Tests Cover
  • Repatriation of Mortal Remains

Care Secure Personal Accident Insurance (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - 70 Years
  • SI - 10 to 50 L
  • Waiting Period - 30 Days

Supreme Plan

This plan is exclusively designed to provide 32 defined critical illness treatment cover to the policyholders and also offers psychiatric counselling.

Unique Benefits

  • 32 critical illness cover
  • Global healthcare
  • Quick recovery counselling

Care Critical Mediclaim(Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Dialysis cover
  • Psychiatric counselling
  • Organ donor expense coverage

Care Critical Mediclaim(Cons)

  • Adventure sport injuries not covered
  • No cover for cosmetic treatment
  • Sub-limits not applicable
  • SI restoration unavailable
  • Maternity & newborn cover NA

Care Critical Mediclaim(Other Benefits)

  • Individual plan (max 6 persons)
  • Annual health check-ups
  • International 2nd medical opinion
  • Cashless claim settlement
  • AYUSH treatment cover

Care Critical Mediclaim(Eligibility Criteria)

  • Child Entry age -5 years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 10 Lakhs - 2 Crore
  • Waiting Period - 90 days

Care Health Insurance Network Hospital List

Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 20800+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in

Care Critical Illness Insurance : FAQ

1. What is Critical Illness Insurance?

Care Critical Illness Insurance is a specialized health insurance plan that offers coverage to its policyholders against 32 listed critical illnesses including heart attacks, cancer, strokes, tumors, and other such serious ailments. The plan provides an ample amount of sum insured so as to support insurance holders with the treatment and recovery from such financially distressing ailments.

2. Why do I need Care critical illness insurance?

If you are an individual with a family history of critical illnesses such as cancer, heart ailments or other serious ailments care critical illness plan is instrumental in treatment and recovery. Care critical illness insurance provides a financial safety net for its policyholders against multiple critical illnesses along with multiple benefits like wellness benefits, pre and post-hospitalization, OPD expenses, global coverage, chemotherapy, radiotherapy, and more.

3. What are the sum insured options under the Care critical illness plan?

The various sum insured options available to policyholders under the care critical illness plan are 10 Lac, 25 Lac, 50 Lac, 1 Crore, and 2 Crores.

4. What is the maximum entry age for Care critical illness insurance plan?

The entry age for care critical illness for adults starts at 18 years with no maximum entry age upper age limit.

5. What is included under the Care critical illness health services?

Care critical illness insurance offers various features to its policyholders under the health services like quick recovery counseling, doctor on call, global coverage, international second opinion, Unlimited ICU cover, and more.

Other Health Insurance Companies

Share your Valuable Feedback

Rating Icon

4.4

Rated by 2627 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings
Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.