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 plans are 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 counselling, 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.

Care Critical Illness Insurance At A Glance

Plan Type	Individual/ Family Floater
Sum Insured	10 Lakh 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 counselling, 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 requirements. 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 for 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:

In case of an emergency hospitalization notify the insurer within 24 hours of your hospitalization.
In case of planned hospitalization, insured individuals must inform the insurer 48 hours before the hospitalization.
For cashless claim settlement, individuals can fill out the pre-authorized claim form at the network hospital.
Care Health Insurance will cross-check all the details and documents and verify the claim requests.
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.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Explore other Care Health Insurance

To cater to the different medical needs of an individual & their family, Care Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Care Health Insurance plans explore more:

Individual and Family Health Insurance

Arogya Sanjeevani Plan

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Arogya Sanjeevani Plan (Pros)

AYUSH treatment
Affordable premium
Lifelong renewability
Tax benefit

Arogya Sanjeevani Plan (Cons)

Change of gender treatment
Obesity treatment unavailable
Hazardous activity not covered

Arogya Sanjeevani Plan (Other Benefits)

Modern treatments available
50% cumulative bonus
30 days pre-hospitalisation

Arogya Sanjeevani Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- 65 years
SI- 5 L
Waiting period- 30 days

Individual and Family Health Insurance

Care Operation Insurance

Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Operation Insurance (Pros)

Health services
Air Ambulance cover
Chemotherapy cover

Care Operation Insurance (Cons)

Illegal activities
Alcohol abuse
Obesity treatments

Care Operation Insurance (Other Benefits)

Dialysis cover
Second opinion
Organ donor cover

Care Operation Insurance (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage health insurance offe...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Care Advantage Plan (Pros)

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

Care Advantage Plan (Cons)

20% co-pay
Obesity treatment unavailable
Hazardous activity not covered

Care Advantage Plan (Other Benefits)

Ambulance cover available
Optional cover available
Co-pay waiver
Room rent modification

Care Advantage Plan (Eligibility Criteria)

Entry age- 91 days
Max entry age- Lifelong
SI- 25 L to 6 Cr
Waiting Period- 30 days

Critical Illness Health Insurance

Cancer Mediclaim Policy

Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered. Cancer can be defined as distress, hopelessness and loss. There cou...

Unique Features

Wide SI options
Lifelong renewability
Cancer-related global coverage

Cancer Mediclaim Policy (Pros)

Annual health checkup
Chemo and radiotherapy cover
Air ambulance cover
Chemo and radio therapy
Organ donor cover

Cancer Mediclaim Policy (Cons)

Change of gender treatment
Obesity treatment unavailable
HIV/AIDS not covered
Cosmetic surgery unavailable

Cancer Mediclaim Policy (Other Benefits)

International second opinion
Doctor on call
Air ambulance cover
OPD cover

Cancer Mediclaim Policy (Eligibility Criteria)

Entry age- 5 years
Max entry age- 50 years
SI- 10 L to 2 Cr
Waiting Period- 30 days

Accident Health Insurance

Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...

Unique Features

PTD & PPD cover
Cover for child education
100% accidental death payout

Care Secure Personal Accident (Pros)

Accidental death
Accidental total disablement
Permanent total disablement

Care Secure Personal Accident (Cons)

Illegal activities
Alcohol abuse
Obesity treatment

Care Secure Personal Accident (Other Benefits)

Accidental hospitalisation
Tax benefits
Loyalty benefit

Care Secure Personal Accident (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 70 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

Care Supreme Plan

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Supreme Plan (Pros)

Modern treatments
Renewal discounts
Unlimited e-consultation

Care Supreme Plan (Cons)

Illegal activities
alcohol abuse
obesity treatments

Care Supreme Plan (Other Benefits)

Ambulance cover
Doctor on chat
Maternity care

Care Supreme Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: No age limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Care Freedom

Free yourself from the worries of healthcare. As the name suggests, Care Freedom is the plan that allows you to be worry-free in every situation. Thi...

Unique Features

Additional health checkups
Dialysis cover
No pre-medical check-up

Care Freedom (Pros)

No pre-policy checkup needed
Dialysis cover available
Annual health checkup

Care Freedom (Cons)

Change of gender treatment
Obesity treatment
HIV/AIDS not covered
Cosmetic surgery unavailable

Care Freedom (Other Benefits)

Cashless healthcare
No pre-policy check up
SI recharge
Lifelong renewability

Care Freedom (Eligibility Criteria)

2 plan variants
Consumable allowance
Annual health check-up
Long term discounts

Critical Illness Health Insurance

Care Critical Mediclaim

Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...

Unique Features

32 Critical illnesses cover
Dialysis expenses covered
Avail psychiatric counselling

Care Critical Mediclaim (Pros)

Wellness benefits
Organ donor cover
32 CI covered

Care Critical Mediclaim (Cons)

Obesity treatment
alcohol abuse
illegal activities

Care Critical Mediclaim (Other Benefits)

Global coverage
International opinion
Doctor on call

Care Critical Mediclaim (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Senior Citizen Health Insurance

Care Senior

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insured tha...

Unique Features

No pre-policy check-up
Annual rewards available
Reduction in wait period

Care Senior (Pros)

Affordable premiums
Day care treatments
ICU charges

Care Senior (Cons)

Illegal activites
Adventure sports
Alcohol abuse

Care Senior (Other Benefits)

No-claim bonus
Second opinion
Alternative treatments

Care Senior (Eligibility Criteria)

Min entry age: 61 Years
Max entry age: No Limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

Care Plan

Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...

Unique Features

No claim bonus up to 100%
Annual health check-ups
Personal accident cover

Care Plan (Pros)

In-built maternity cover
No upper age limit for enrollment
Coverage for modern treatment
Pre-existing diseases

Care Plan (Cons)

War
Riot
AIDS
Miscarriage
Congenital disease

Care Plan (Other Benefits)

Lifelong renewability
ICU charges
Day care treatment
Ambulance cover
Organ donor cover

Care Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 6 Cr

Women Health Insurance

Care Joy Plan

An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their newborn...

Unique Features

Newborn baby cover
541 Daycare treatments
Modern treatments cover

Care Joy Plan (Pros)

2 Plan variants
New born cover
Maternity cover

Care Joy Plan (Cons)

Illegal activities
Alcohol abuse
Ambulance cover

Care Joy Plan (Other Benefits)

No claim bonus
Renewal
Lifelong renewability

Care Joy Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Family

Care Enhance Plan

A top-up plan based on policy deductible principle Care Enhance is a super top-up health insurance plan that provides extra health insurance coverage ...

Unique Features

Flexible deductible
Modern treatments
No pre-medical check-ups

Care Enhance Plan (Pros)

Covers modern treatment
Flexible options of deducton
No pre-policy medical test
Annual health check-up
Floater option

Care Enhance Plan (Cons)

Change of gender treatments
Obesity treatment unavailable
HIV/AID not covered

Care Enhance Plan (Other Benefits)

High sum insured
Organ donor expenses
Expert opinion cover
Cashless treatment

Care Enhance Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- No age limit
SI- 1 L to 55 L
Waiting period- 30 days

Family

Care Classic

Get coverage based on your residential zone. Care Classic health insurance is a family floater health plan ideal for married couples, joint families, ...

Unique Features

IVF treatment cover
Free doctor consultation
Discounted premiums

Care Classic (Pros)

Room rent covered
Day care treatment
Advanced technology methods
ICU charges

Care Classic (Cons)

Global coverage
Air ambulance
Vaccination
Daily hospital cash

Care Classic (Other Benefits)

AYUSH treatment
IVF treatment
Cataract
No claim bonus

Care Classic (Eligibility Criteria)

Min. entry age: 18 Years
Max. entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 15 L

Individual and Family Health Insurance

Care Plus Plan

Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehensive...

Unique Features

Comprehensive coverage
No upper age limit
Variants on Sum Insured

Care Plus Plan (Pros)

Ambulance cover
Day care treatments
Domiciliary hospitalization

Care Plus Plan (Cons)

Illegal activities
alcohol abuse
obesity treatment

Care Plus Plan (Other Benefits)

Personal accident cover
Inflation shield
Health services

Care Plus Plan (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Critical Illness Health Insurance

Care Heart Plan

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like Active heart health check-ups...

Unique Features

Coverage for OPD
Home care available
International 2nd opinion

Care Heart Plan (Pros)

Cardiac health check up
Second medical opinion
Automatic SI restoration
Lifelong cover

Care Heart Plan (Cons)

Change of gender treatment
Obesity treatment unavaialable
Hazardous activity not covered
HIV/AIDS not covered

Care Heart Plan (Other Benefits)

OPD care
Home care
International 2nd opinion
Automatic recharge
High SI

Care Heart Plan (Eligibility Criteria)

Entry age- 18 years
Max entry age- No age limit
SI- 3 to 10 L
Waiting period- 30 days

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Care Critical Illness Plan: FAQs

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.

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Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

Care Critical Illness Insurance

Care Critical Illness Insurance At A Glance

Benefits of Care Critical Illness Insurance

Eligibility Criteria for Care Critical Illness Insurance

Child Entry Age

Adult Entry Age

Relationships Covered

Policy Tenure

Premium Payment Mode

Initial Waiting Period*

What is Covered Under Care Critical Illness Insurance?

What is Not Covered Under Care Critical Illness Insurance?

How To Claim Care Critical Illness Insurance?

In a Nutshell

Care Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Recommended Videos

Explore other Care Health Insurance

Arogya Sanjeevani Plan (Pros)

Arogya Sanjeevani Plan (Cons)

Arogya Sanjeevani Plan (Other Benefits)

Arogya Sanjeevani Plan (Eligibility Criteria)

Care Operation Insurance (Pros)

Care Operation Insurance (Cons)

Care Operation Insurance (Other Benefits)

Care Operation Insurance (Eligibility Criteria)

Care Advantage Plan (Pros)

Care Advantage Plan (Cons)

Care Advantage Plan (Other Benefits)

Care Advantage Plan (Eligibility Criteria)

Cancer Mediclaim Policy (Pros)

Cancer Mediclaim Policy (Cons)

Cancer Mediclaim Policy (Other Benefits)

Cancer Mediclaim Policy (Eligibility Criteria)

Care Secure Personal Accident (Pros)

Care Secure Personal Accident (Cons)

Care Secure Personal Accident (Other Benefits)

Care Secure Personal Accident (Eligibility Criteria)

Care Supreme Plan (Pros)

Care Supreme Plan (Cons)

Care Supreme Plan (Other Benefits)

Care Supreme Plan (Eligibility Criteria)

Care Freedom (Pros)

Care Freedom (Cons)

Care Freedom (Other Benefits)

Care Freedom (Eligibility Criteria)

Care Critical Mediclaim (Pros)

Care Critical Mediclaim (Cons)

Care Critical Mediclaim (Other Benefits)

Care Critical Mediclaim (Eligibility Criteria)

Care Senior (Pros)

Care Senior (Cons)

Care Senior (Other Benefits)

Care Senior (Eligibility Criteria)

Care Plan (Pros)

Care Plan (Cons)

Care Plan (Other Benefits)

Care Plan (Eligibility Criteria)

Care Joy Plan (Pros)

Care Joy Plan (Cons)

Care Joy Plan (Other Benefits)

Care Joy Plan (Eligibility Criteria)

Care Enhance Plan (Pros)

Care Enhance Plan (Cons)

Care Enhance Plan (Other Benefits)

Care Enhance Plan (Eligibility Criteria)

Care Classic (Pros)

Care Classic (Cons)

Care Classic (Other Benefits)

Care Classic (Eligibility Criteria)

Care Plus Plan (Pros)