Care Health Insurance is one of the largest health insurance providers in India. The company offers a wide range of Mediclaim and health insurance plans to employees of corporates, individual customers and for financial inclusions. Its portfolio of products include Health Insurance, Critical Illness Insurance, Personal Accident, Top-up Coverage,
International Travel Insurance and Maternity along with Group Health Insurance and Group Personal Accident Insurance for corporates.
Awards and Recognition
Note: All information has been sourced from the official website of Care Health Insurance.
Care Super Mediclaim Critical Illness is a comprehensive affordable mediclaim health insurance policy which provides cover against 32 major critical illnesses.
The key features and benefits of this plan are:
| Sum Insured | Available (Telephonic/Online Mode) |
| Entry Age | 5 years to 50 years on individual basis |
| Cover Type | Individual: Maximum up to 6 persons |
| Pre-policy Issuance Medical Check-up | None |
| Tenure | 1/2/3 Years |
| Premium Payment Mode | Single/Monthly/Quarterly |
| In-Patient | Up to Sum Insured |
| Day Care Treatment | Listed as per the Plan, Up to Sum Insured |
| Pre-Hospitalization & Post-Hospitalization | 30 days/60 days |
| Chemotherapy & Radiotherapy Cover | Up to Sum Insured |
| Dialysis Cover | Up to Sum Insured |
| Ambulance Cover | Up to Rs. 3000 per hospitalization |
| Organ Donor Cover | Up to SI or Rs.15 lakhs whichever is lower |
| Alternative Treatments | Up to 25% Sum Insured |
| Second Opinion | Once per covered condition per policy year |
| Annual Health Check-up | Annually from 2nd policy year on continuous coverage |
| No Claim Bonus | 50%/25%/25% - Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free policy years respectively, max up to 100% of SI |
| Quick Recovery Counselling | Up to Rs. 1000/- per session Maximum 8 sessions per policy year (max. twice a month) |
| Doctor On Call | Available (Telephonic/Online Mode) |
| Health Portal | Value added services through company’s website |
| Global Coverage | Up to SI; only for SI >= Rs. 1 Cr (limited to In-Patient Care and Day Care treatment with a Co-payment of 10% per claim) |
| OPD Expenses for covered condition | 1% of Sum Insured Max. up to Rs. 25000 |
| International Second Opinion | Once per covered condition per policy year |
| Air Ambulance | Up to Rs. 5 Lakhs |
| Room Rent Eligibility | Single Private Room / No limit |
| ICU Charges | No limit |
| Initial Waiting Period | 90 days |
| Specific ailment waiting period | Not Applicable |
| PED Waiting Period | 4 Years |
List of Diseases/Illnesses Covered
The inclusions under this plan cover 32 specified illnesses/diseases.
The exclusions under this plan are:
Pre-Existing Disease
Cancer occurred during the waiting period, or there were signs or symptoms during the waiting period that led to the subsequent diagnosis of Cancer
Acquired Immunodeficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)
Any medical condition/any medical procedure arising from the donation of any of the life insured’s organ
Damage caused directly or indirectly by alcohol or drug abuse
Any medical condition/any medical procedure arising from nuclear contamination, radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accidents arising from such nature
The age of the life insured should be between - 18 to 25 years and the monthly premium payment mode including optional benefits, policy period - 2 years.
What is the Claim Procedure for Care Critical Illness Insurance Plan?
The claim form and additional documents are to be sent to us at the following address:
Care Health Insurance Company Limited,
Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram-122001 (Haryana)
In case of an emergency, you need to contact Care Health Insurance immediately on 1800-102-4488 within 24 hours of your admission
Collect and duly fill the pre-authorization form from the network hospital
Submit the relevant documents along with the claim and pre-authorization form
The documents will be verified by the insurer
Post verification, the claim will be approved by the insurer
The standard list of documents required for submission are:
Duly completed and signed Claim form, in original
Valid photo-id proof
Medical practitioner's referral letter advising Hospitalization
Medical practitioner's prescription advising drugs/diagnostic tests/consultation
Original bills, receipts and Discharge card from the Hospital/Medical Practitioner
Original bills from pharmacy/Chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First information Report, final police report, if applicable
Postmortem report, if conducted
Any other document as required by the company to assess the claim
