Care Health Insurance has launched Care Super Mediclaim, a very specialized policy to help protect you from the cost of Critical Illnesses. Unlike ordinary Critical Illness plans, this policy does not pay out a fixed amount if you get diagnosed with any Critical Illness, but rather it pays for the actual costs incurred during the treatment for that illness.
India is quickly catching up to Western countries in terms of development. Our roads are better, literacy has improved, poverty is slowly reducing, and people are more aware of their rights. Exotic goods that used to be impossible to find are now freely available in our markets and online. However, hand in hand with all this we are seeing an increase in prices, pollution and stress. That coupled with the internet/smartphone boom (and a sedentary lifestyle), has led to a huge increase in the number of reported cases of Lifestyle diseases such as Obesity, Cancer, Diabetes, Lung diseases, stroke, and Heart disease. This rise has often been attributed to increasing pollution, poor diet and more time spent in front of computer and phone screens.
Rising prices have affected hospitals also, and with the increased instances of lifestyle diseases, so has the cost of them increased. A coronary bypass can cost up to ₹ 4 lakhs, and that doesn’t include the cost of recuperation.
| Cardiac | |
| Angioplasty | 1,90,500 - 4,12,750 |
| Bypass Surgery (CABG) | 1,90,500 - 6,03,250 |
| Heart Valve Replacement | 3,81,000 - 7,62,000 |
| Heart Transplant | 14,60,500 - 25,40,000 |
| Cancer | |
| Chemotherapy (per cycle) | 63,500 - 1,90,500 |
| Breast Cancer Surgery | 1,90,500 - 4,25,450 |
| Radiation Therapy | 3,17,500 - 4,76,250 |
| Other Critical Illnesses | |
| Kidney Transplant | 3,17,500 - 13,97,000 |
| Liver Transplant | 25,40,000 - 35,56,000 |
| Lung Transplant | 13,97,000 - 15,87,500 |
| Knee Replacement | 2,22,250 - 5,39,750 |
| Cataract Surgery | 50,800 - 1,27,000 |
Care Health Insurance has has launched a very specialized policy to help protect you from the cost of these Critical Illnesses. Unlike ordinary Critical Illness plans, this policy does not pay out a fixed amount if you get diagnosed with any Critical Illness, but rather it pays for the actual costs incurred during the treatment for that illness. Also, unlike ordinary Critical Illness plans, it does not expire or lapse when you make a claim, but rather continues to work on in case of relapses or other illnesses. While purchasing the plan you can select whether you only want to purchase coverage for Cancer, Heart Diseases, or all Critical Illnesses. Since you get to customize your policy as per your specifications, you stand to save on what the policy costs.
| Sum Insured | 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore |
| Entry Age – Minimum | Child: 91 days to 4 years with at least 1 member of age 18 years or above is covered or; 5 years on Individual basis ; Adult: 18 years and above |
| Entry Age – Maximum | 50 Years |
| Cover Type | Individual : Maximum up to 6 Persons |
| Pre-policy Issuance Medical Checkup | No Medicals |
| Tenure | 1/2/3 Years |
| In-Patient Hospitalization | Up to Sum Insured |
| Day Care Treatment | Up to Sum Insured |
| Pre Hospitalization & Post-Hospitalization | 30 days/60 days |
| Chemotherapy & Radiotherapy Cover | Up to Sum Insured (Only in plans that cover Cancer Critical Illnesses) |
| Dialysis Cover | Up to Sum Insured (Only in plans that cover all Critical Illnesses) |
| Ambulance Cover | Up to Rs. 3000 per hospitalization |
| Organ Donor Cover | Up to SI or 15 Lakhs whichever is lower |
| Alternative Treatments | Up to 25% Sum Insured |
| Second Opinion | Once per policy year |
| Annual Health Check-up | Annually from 2nd Policy Year |
| No Claim Bonus | 50% | 25% | 25% increase/decrease for 1st | 2nd | 3rd Years |
| Quick Recovery Counselling | Up to Rs. 1000/- per session; Maximum 8 sessions |
| Doctor On Call | Available |
| Room Rent Eligibility | Single Pvt. Room (Sum Insured - 10 Lakh) All Categories (Sum Insured > = 25 Lakh) |
| ICU Charges | No Limit |
| Initial Waiting Period | 90 days |
| PED Waiting Period | 4 years |
Please read the complete Terms and Conditions while making your decision
