Care Critical Mediclaim Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under the Care Critical Mediclaim Policy

Covered for a single private room; no limit.

The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.

Coverage status under the Care Critical Mediclaim Policy

Covered

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under the Care Critical Mediclaim Policy

Covered (30 days)

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under the Care Critical Mediclaim Policy

Covered (60 days)

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under the Care Critical Mediclaim Policy

Not Covered

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under the Care Critical Mediclaim Policy

Covered upto SI

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under the Care Critical Mediclaim Policy

Covered up to 1% of the SI or up to INR 25K

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under the Care Critical Mediclaim Policy

Covered

A common eye condition in which your vision gets blurred.

Coverage status under the Care Critical Mediclaim Policy

Not Covered

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under the Care Critical Mediclaim Policy

Available up to a maximum of 100%

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under the Care Critical Mediclaim Policy

Not available

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under the Care Critical Mediclaim Policy

Not covered

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under the Care Critical Mediclaim Policy

Covered

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under the Care Critical Mediclaim Policy

Not covered

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under the Care Critical Mediclaim Policy

Covered up to 25% of the SI

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under the Care Critical Mediclaim Policy

Covered

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under the Care Critical Mediclaim Policy

Covered up to INR 3K per hospitalization

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under the Care Critical Mediclaim Policy

Covered (for international cover) up to INR 5 Lakhs

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under the Care Critical Mediclaim Policy

Not covered

Any kind of medical/health emergency when you are outside of India.

Coverage status under the Care Critical Mediclaim Policy

In-patient and daycare hospitalization cover for above or equal to 1 Crore sum insured (10% co-pay applicable on every claim)

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under the Care Critical Mediclaim Policy

Available (telephone/online)

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under the Care Critical Mediclaim Policy

Available for annual health check-ups after 2nd policy year continued on

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under the Care Critical Mediclaim Policy

Covered

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under the Care Critical Mediclaim Policy

Not Covered

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under the Care Critical Mediclaim Policy

Applicable (for global cover) at 10% per claim

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under the Care Critical Mediclaim Policy

Not available.