A few years back, the scope of health insurance coverage was very limited. However, with the advancement in the insurance industry, mediclaim policies now provide comprehensive coverage, including special features to enhance mediclaim insurance for families. For example, we have critical illness insurance with unique features to cover various lifestyle-related illnesses. These super features perfectly match the diverse and extensive needs of an individual dealing with a critical illness, eliminating the need to purchase additional health insurance coverage. One such plan we’re going to discuss about is Care Critical Mediclaim, which is popular for its unique offerings. Known as Care Super Mediclaim, the policy provides indemnity coverage for specified critical illnesses and surgeries along with certain smart covers you must not miss.
5 Smart Covers to Increase Your Critical Mediclaim Coverage
Critical mediclaim is an indemnity health insurance plan that provides financial protection against the medical expenses incurred in treating life-threatening diseases. Here are some unique features of the plan:
Coverage for 32 Critical Illnesses
Critical mediclaim is one of the most crucial mediclaim plans for anyone dealing with a critical illness. It provides coverage for 32 critical illnesses like cancer, paralysis, stroke, liver failure and many more, as specified in the plan. The plan offers a high sum insured up to ₹ 1 cr. The plan covers in-patient hospitalisation expenses for the covered illnesses and OPD expenses for a critical illness for which an in-patient hospitalisation claim has already been accepted.
Dialysis Cover
An insured suffering from kidney failure requires regular dialysis. Since kidney failure is covered under the critical mediclaim, the dialysis expenses are covered up to the sum insured. Anyone at risk of kidney disease should invest in critical mediclaim because a regular health insurance plan will not cover dialysis expenses.
Organ Donor Cover
Under this cover, the medical expenses incurred by the donor for harvesting the organ to be transplanted to the insured member are covered. The maximum coverage available for organ donors is specified in the policy. For the claim to be accepted, the donor should meet government regulations and laws.
Psychiatric Counselling
Many critical illness patients undergo mental health issues after recovery. Psychiatric counselling provides psychological support to the patient in dealing with post-hospitalisation trauma up to ₹ 1000 per session. These sessions are available 8 times in a policy year and twice a month as per policy terms and conditions.
Post-hospitalisation Expenses
Medical expenses incurred post-discharge of the patient are covered under critical mediclaim for up to 60 days after the discharge. It includes expenses incurred in medicines, diagnostic tests and follow-up treatments.
Benefits of Critical Mediclaim Coverage
The best mediclaim insurance for your family is the one that adequately meets the insured's needs while dealing with a critical illness. The smart covers Included in the super mediclaim plan are designed to provide everything you need under one plan. Here is why you should opt for a critical mediclaim plan.
Annual Health Check-ups
The plan offers annual health for every insured member from the first policy year. A pre-defined list of medical tests is covered under the annual health check-up.
Affordable
The policy offers a high sum insured value at an affordable premium to increase your coverage. The plan covers hospitalisation expenses and the cost of advanced medical procedures and OPD consultations. Considering the plan's benefits, your premium is not much as compared to the benefits you get.
No Claim Bonus
For every three consecutive claim-free years, the insured's sum insured increases by 100%. The sum insured increases by 50% after the first claim-free year and 25% in the second and third claim-free years each.
No Pre-policy Medical Check-up
The super mediclaim plan does not require you to undergo any pre-policy medical check-up.
Tips for Buying Super Mediclaim
Here are some important tips you should follow when you are choosing coverage under the critical mediclaim plan.
- Read and understand the terms and conditions of your plan to avoid claim rejection in future.
- Assess your medical needs and expenses and then decide on a sum insured value so that your coverage is suitable to match and cover your medical expenses. Also, remember that the sum insured you opt for should match your budget.
- Check the waiting period specified in the plan so that you are aware of the exclusion and you plan your medical treatments accordingly.
Concluding Lines!
Comprehensive health insurance coverage for critical illnesses is the need of the hour, considering high medical costs and the high risk of diseases. It is not a good idea to buy different plans for different medical needs. Hence, investing in a plan like Care Super Mediclaim is a feasible way to get broader coverage for several critical ailments at an affordable cost. However, it is important to understand the terms and conditions to take maximum advantage of the mediclaim. Care Health Insurance offers quality coverage for you and your family with a wide range of smart covers to fulfil your diverse needs. Visit the Care health insurance website to explore the features of the best mediclaim health insurance policy in India.
>> Also Read: Difference between Mediclaim and Health Insurance Policy
Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
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