Care Critical Illness health insurance

Care Critical Illness Mediclaim policy review

• Care Critical Illness health insurance – Highlights

  Minimum entry age	18 years
  Maximum age	65 years
  Grace period	30 days from the date of expiry to renew the policy
  Waiting period	90 days (except personal accident)
  Policy Tenure	1 year / 2 years / 3years

• Care Critical Illness Medical insurance - Features

  20 Critical Illness Covered:
  Care Critical Illness plan is a benefit plan where you get a lump sum amount when diagnosed or operated for any of the below specified critical illness. Cancer, End Stage Renal Failure, Multiple Sclerosis, Benign Brain Tumor, Motor Neuron Disorder, End Stage Lung Disease, Major Organ Transplant, Heart Valve Replacement, Coronary Artery Bypass Graft, Stroke, Paralysis, Myocardial Infarction, Major Burns, Coma, Blindness, Parkinson’s Disease before the age of 50 years, Alzheimer’s Disease before the age of 50 years, End Stage Liver Disease, Bacterial Meningitis, Aplastic Anemia.
  
  Accidental Death Cover:
  Our assurance towards your family’s well being and financial independence! We will pay a lump sum amount equal to the Sum Insured in the event of Accidental Death or Permanent Total Disablement of the insured.
  
  Health Check-up, every year:
  Our concern is your good health. This we make sure by providing a health check-up, once in a policy year
  
  Child Education:
  If suffering from any specified critical illness or unfortunate accident leads to death or permanent total disablement, it takes care of your children education by paying an additional lump sum amount.
  
  Get Second Opinion:
  If you are suffering with a critical illness or wish to get a second opinion of an expert/doctor, we arrange one for you, at no extra cost.
  
  Tax Benefit:
  You can avail of a tax benefit on the premiums you pay towards your health insurance, as per the prevailing tax laws of the Income Tax Act, 1961 (u/s 80D)

• Care Critical Illness Mediclaim insurance – Benefit table

  Sum Insured (in Rs.)	5, 10, 15, 20, 30, 50, 75 Lacs & 1 Crore
  Number of critical illness covered	It covers 20 illness
  Critical Illness, Medical Events and Surgical Procedures	Covered up to 100% of Sum Insured
  Personal Accident	Covered up to 100% of Sum Insured
  Child Education Cover	Covered up to 10% of Sum Insured
  Health Check-up	Yes
  Second Opinion	Yes

• Care Critical Illness plan – Exclusion

  • Any pre-existing illness.
  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 90 days of Policy Period Start date.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Cosmetic & aesthetic and obesity related treatment
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization.