Care Critical Mediclaim Policy: Benefits & Coverage | PolicyX
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Care Critical Mediclaim

Care Critical Mediclaim Policy provides indemnity-based health insuran ...Read More

Up to 1 Cr
Sum insured
158+
Pan India presence
96.6%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,725 reviews
🏥 22,100+ hospitals
📊 1.74 solvency ratio
✅ 96.6% claim settlement
Written by Simran Nirala
Reviewed by Anchita Bhattacharyya
Published: 19 Nov 2024
Updated: 26 Jul 2026
Expert Verified
IRDAI Licensed

Overview

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

Additionally, psychiatric counseling is available 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.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Pre-existing diseases: 4 years

Summing Up

The Care Critical Illness Mediclaim policy is designed to cater to the insured's healthcare needs during emergencies. It covers medical bills for up to 32 critical illnesses as specified in the policy documents.

For more questions related to this policy, reach out to the expert customer care team of PolicyX at 1800 4200 269.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
5 to 50 Years
Plan type
Critical Illness Health Insurance
Sum insured options
₹10 L, ₹25 L, ₹50 L, ₹1 L, ₹2 L
Waiting period
90 days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Wellness benefits
  • Organ donor cover
  • 32 CI covered

Cons

  • Obesity treatment
  • alcohol abuse
  • illegal activities

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

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 Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Frequently Asked Questions

The 6 most-asked questions about Care Critical Mediclaim, answered.

Yes, parents can be covered under this plan.
You should buy this policy if you have a family history of critical illnesses, you are the sole breadwinner of the family or have a high chance of getting a critical illness.
Yes, the pre-medical examination is compulsory as per the underwriting procedures. The insurer will pay all the check-up expenses if the policy proposal gets accepted.
Yes, you can still buy this insurance policy as per the underwriting notes.
Care critical mediclaim policy covers the treatment expenses of 32 specified critical illnesses including cancer, bypass surgery, kidney failure, chemotherapy, radiotherapy, dialysis, and so on.
Yes, you can avail of the tax benefits under section 80D of the Income Tax Act of India.

Conclusion

Care Critical Mediclaim is a specialized plan designed to cover major critical illnesses with high f

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