Care Critical Illness Health Insurance

The plan has a blend of some of the best inbuilt and optional coverage features making it comprehensive. You get coverage for 32 critical illnesses, diseases and surgeries for basic medical expenses like hospitalisation costs, pre and post hospitalisation costs, day care treatments, ambulance charges, etc. Moreover, the coverage scope is widened with the following benefits –

• There is a coverage for chemotherapy, radiotherapy and dialysis without any sub-limits
• AYUSH treatments are also covered under the plan
• OPD expenses incurred on the critical conditions covered by the policy are also covered
• You can avail a free second opinion if you suffer from any of the covered critical conditions
• Free annual health check-ups are allowed from the second policy year
• Free health services are provided by the plan which include quick recovery counselling, doctor on call and health portal services
• Air ambulance cover of up to Rs. 5 Lakh can be availed on optional basis
• The facility of international second opinion and global can also be availed
• Global coverage is also allowed under the plan which covers treatments taken abroad
• No claim bonus is allowed @50% after the first claim-free year, 25% in the second consecutive claim-free year and another 25% after three claim-free year, making the sum insured double within three policy years

Besides these comprehensive coverage benefits, the plan also has the following features –

• The policy can be renewed lifelong without any limit on the maximum coverage age
• A 10% premium discount is allowed if you buy a 3-year policy
• The premiums paid are allowed as a tax deduction under Section 80D
• The premium can be paid in monthly or quarterly installments

Religare Critical Mediclaim is a unique plan which covers critical illnesses as well as basic hospitalisation costs. The premiums are affordable too and can be paid in installments making them suitable for your pockets. The coverage benefits are also inclusive ensuring all your medical expenses are taken care of.

If you are looking to buy the plan, go online. The online medium is quick and simple and makes buying the policy convenient. InsuranceDekho website is one such online platform which allows you to buy the policy easily. The website not only allows you the ease of purchase but it also guides you in the buying process. 

Under Critical Mediclaim plan, there is dialysis coverage up to the sum insured.

Declaring the correct and accurate health information at the time of purchase ensures smooth processing of the claim at the time of need. 

Pre-hospitalisation is covered for up to 30 days, and post-hospitalisation is covered for up to 60 days.

The initial waiting period under Critical Mediclaim plan is 90 days. There is no waiting period for specified ailments. However, for pre-existing conditions, the waiting period is 4 years.