Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Critical Illness Insurance is a health cover protecting you from medical expenses involved in treating severe illnesses like cancer, stroke, paralysis, and liver failure, among 32 other illnesses.
Reasons to Choose Care Health Insurance?
A critical illness insurance plan is a medical cover that provides financial assistance to insured members in case of hospitalisation due to critical illnesses such as cancer, catastrophic burns, or coma, as pre-defined under the chosen policy. This comprehensive and easy-to-acquire plan is available in family health insurance and individual insurance options.
The insured individual might use the money to pay medical bills and meet other financial responsibilities while treating a critical illness. In cases where an earning family member is diagnosed with severe disease, the best critical illness insurance in India can be a valuable source of financial support since the primary income source may be compromised.
Health Insurance Coverage for 32 Critical Illnesses
Health Insurance Covering 16 Major Health Aliments
Cover for Treatment of Cancer at all Stages
Individuals seeking protection against possible health emergencies can find a comprehensive shield with critical illness health insurance, especially with a medical history or pre-existing diseases. A serious illness insurance plan can provide financial security when the individual is strapped for cash to treat their disease while supporting their family.
The benefits of critical illness policy coverage are extremely valuable for:
We at Care Insurance provide specialised critical illness health insurance – an easy-to-acquire individual and family health indemnity plan that covers 32 critical illnesses pre-defined in the policy.
Our insurance plan for critical illnesses contains the following significant features:
Like any other insurance policy, you must consider several factors when choosing the best critical illness insurance in India. You must also consider comparing different plans along with the below-mentioned checklist:
Critical illness insurance offers substantial economic and emotional backing in case of a serious medical condition. Here are some of its key benefits:
The Care Insurance Critical Illness Insurance Plan provides coverage for 32 life-threatening medical conditions. Here are the benefits included in the plan:
Care's critical illness insurance policy covers cancer, underlying chemotherapy, and radiotherapy up to the sum insured so you can feel at ease during therapy sessions.
Cashless hospitalisation is available for in-patient care and coverage for over 15-day care treatments, including advanced technology methods.
Ensure financial backup during tests and recovery phase with 30-days pre and 60-days post-hospitalisation coverage.
Ensure financial backup for the post-hospitalisation phase with dialysis coverage under specific critical conditions up to the sum insured.
Fulfil your medical needs while we cover OPD expenses, including diagnostic examinations and pharmacy bills up to a specified amount.
Celebrate claim-free years as we offer up to a 100% increase in the insurance premium to give you better coverage every year.
Utilise our value-added services of quick recovery counselling, doctor-on-call, and digital health portal to keep up with your health.
Get timely medical care without worrying about transportation costs, as we cover ambulance fees up to a specified amount.
You can add an optional cover in your policy to make it even more helpful during an emergency. Below are the optional covers you might not want to miss while buying yourself a critical illness insurance plan:
Sometimes, policyholders are disappointed with their insurance plan because of misinformation about the coverage limits. Hence, it is advisable for policy buyers to carefully review their plan's exclusions to avoid such a situation in the future.
Our plan offers comprehensive critical health insurance that helps policyholders to combat essential illnesses.
Care Health Insurance ensures a seamless claim process for its customers. Here are the steps to follow while filing a cashless claim or reimbursement for critical illness insurance.
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Go to a listed in-network hospital. | Step 1: Submit your claim form along with other required documents. |
| Step 2: Fill out the proper forms at the insurance desk. | Step 2: You'll get an approval letter when your claim is verified. |
| Step 3: Send the completed form to our claim management team. | Step 3: Respond to queries raised by the claim management team. |
| Step 4: You'll get an approval letter when your claim is verified. | Step 4: Get approval from the claim management team. |
|
Step 5: Respond to queries from the claim management team. You will receive communication about whether your cashless claim is approved or rejected within the standard TAT.
|
Step 5: Our claims team will contact you if there are specific reasons for rejecting your claim. |
Critical illness insurance gives a lump sum payout to help cover medical costs, lost income, and other expenses during recovery. Understanding how it works can help ensure you are ready in case of a diagnosis.
Process from Buying to Claiming Critical Illness Insurance:
Critical illness insurance plans tailored to critical illness needs can be a better alternative to deal with the financial consequences. The best critical illness policy is advantageous in the following ways:
| Entry Age- Minimum | Child: 91 days to 4 years with at least I member of age 18 years or above is covered or; 5 years on Individual basis Adult: 18 Years and above |
| Entry Age- Maximum | Lifelong |
| Exit Age | No Exit Age |
| Age of Proposer (Adult) | 18 Years or above |
| Who are covered (Relationship with Respect to the Proposer) | Self, legally married spouse, son, daughter, father, mother, brother, sister, mother-in-law, father-in-law, grandmother, grandfather, grandson, granddaughter, uncle, aunt, nephew, niece, employee or any other relationship having an insurable interest. |
Critical illnesses can necessitate long-term treatment in most cases. A hurried lifestyle, in addition to inherited factors, might trigger the occurrence of such medical disorders. When buying critical illness insurance, take care of the following aspects:
You do not need to go through the cumbersome formalities to buy critical illness insurance online from us. Our buying process is simple; you can follow the below steps to get your critical illness health insurance:
If you want to file a claim, contact us to make a claim registration. To file a claim, you'll usually need the following documents:
| Document Type | Description |
|---|---|
| Claim Form | The insurer gives a claim form to complete. |
| Medical Report | A report from the treating health expert detailing the diagnosis, treatment, and prognosis. |
| Diagnostic Test Reports | Test results, such as blood tests, scans, or biopsy reports, confirm the critical illness. |
| Discharge Summary | If hospitalisation occurs, the discharge summary from the hospital facility. |
| Policy Document | A copy of the critical illness insurance policy that includes coverage details and terms. |
| Identity Proof | A government-issued ID such as Aadhar card, passport, driver’s license). |
| Address Proof | Residential bills, utility bills, etc. documents |
| Medical History Documents | Medical history or reports related to the disease, if applicable. |
Critical illness health insurance premiums are deductible under Section 80D of the Income Tax Act 1961. Below are the tax benefits you can get on the premium you pay for the necessary illness policy according to age:
| Category | Eligibility | Tax Deduction Limit |
|---|---|---|
| Tax Deduction for Self, Spouse, and Children (Under 60) | For individuals under the age of 60 | Rs 25,000 per year |
| Tax Deduction for Self, Spouse, and Children (Above 60) | For individuals over the age of 60 | Rs 50,000 per year |
| Tax Deduction for Parents (Under 60) | For parents under the age of 60 | Rs 25,000 |
| Tax Deduction for Parents (Above 60) | For parents over the age of 60 | Rs 75,000 |
| Total Deduction for Family Premium (Under 60) | For individuals paying premiums for their family (under 60) | Up to Rs 75,000 |
| Total Deduction for Family Premium (Over 60) | For individuals over 60 paying premiums for their family | Up to Rs 1,00,000 |
Often, people get confused between a standard health insurance plan and a critical illness insurance policy. Not only that, but some of us believe that one of the two is sufficient in terms of health insurance.
Know how health insurance and critical illness insurance are vastly different from each other:
| Factors | Critical Illness Insurance | Health Insurance |
|---|---|---|
| Coverage | It covers hospitalisation due to life-threatening critical illnesses. | It covers standard hospitalisation conditions and treatment expenses. |
| Benefits | Pre-and post-hospitalisation, organ donor cover, dialysis cover, psychiatric counseling, etc. | In-patient hospitalisation, pre and post-hospitalisation, daycare treatments, ICU charges, and more. |
| A number of illnesses | 32 critical illnesses | Different types of chronic diseases, medical treatments, and procedures. |
| Waiting Period | 90 days initial waiting period (36 months for pre-existing diseases) | 30 days initial waiting period (36 months for pre-existing diseases). |
| Policy Period | Long-term Policy | Annual or Long-term Policy |
| Policy Renewal | The policy can be renewed after a claim year. | The policy can be renewed after a claim year. |
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Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
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The critical illness health insurance covers the treatment expenses for any 32 acute illnesses, as listed in the policy document. The policy will be issued based on a tele-underwriter, and in a few cases insured may be asked to undergo a medical check-up.
Yes. The eligibility criteria include minimum entry age for a child of 91 days to 4 years with at least one member of 18 years or above or 5 years on an individual basis. Please refer to the policy T&C.
This policy is an indemnity cover, and the insured can make multiple claims in a policy year. However, all claims made will be processed subject to the policy terms and conditions. The admissibility of any claim under the policy will be subject to the purview of coverage under the policy. Please refer to the policy T&C.
Like other health insurance policies, a critical illness insurance policy also offers tax benefits to the policyholders on the premium paid. As applicable, the policyholder is eligible for a tax deduction on the premium paid towards the policy under Section 80D of the Income Tax Act, 1961. These tax benefits are subject to changes in the tax laws in India.
When you buy critical illness insurance for your family or yourself, it is essential to consider various factors such as the medical condition, treatment costs, and the waiting period to complete before getting a claim for your expenses. Additional benefits such as organ donor cover and alternative treatment cover should also be considered when availing of a policy. Get a critical illness insurance quote online to ensure you have adequate coverage tailored to your financial profile.
Purchasing a critical illness insurance policy does not require you to pay a high premium. You can now get an affordable and the best critical illness policy in India with valuable benefits with Care Health Insurance which provides you with higher sum insured options with wide-ranging policy benefits.
No, this cover is not at all expensive. You can buy critical illness insurance online at an affordable premium with an EMI option.
The financial support from the health plan may not be sufficient to cope with the healthcare expenses of a critical illness, which can often necessitate long-term medical care.
The best critical illness policy in India is the one that will provide you with adequate financial support to combat a life-threatening disease so you can safeguard your savings and protect your family’s future.
Disability and accidental insurance give a lump sum payment while you recuperate from an accident injury. The best critical illness insurance in India, on the other hand, will provide you with a lump sum of money to help you maintain your lifestyle if you get a life-threatening illness or become disabled due to an illness.
Yes, it is important for senior citizens to have a critical illness plan as they have a greater risk of suffering critical illnesses. Further, most senior citizens have a limited source of income and savings, and a critical illness can severely hamper their finances.
Yes, it is important for senior citizens to have a critical illness plan as they have a greater risk of suffering critical illnesses. Further, most senior citizens have a limited source of income and savings, and a critical illness can severely hamper their finances.
Disclaimer: The information above is just for reference. Kindly read T & C of the policy thoroughly. Do refer to IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of 31st March 2024
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of 31st March 2024
*Premium calculated for an individual (Age 18) for sum insured 10 Lakhs
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Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
