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Critical Mediclaim

Affordable Health Insurance for Critical Illness such as cancer, heart, surgeries etc.

Details Plan starts at 74/month*

Get insured for 25 Lakh

173/month*

50 Lakhs*
281 /month
1 Crores*
422 /month
2 Crores*
495 /month
10 Lakhs*
74 /month

CASHLESS TREATMENT ACROSS 6000+ HOSPITALS

LOW PREMIUM & HIGH COVERAGE

COVERS 32 CRITICAL DISEASES

EASY EMI OPTIONS AVAILABLE

Are you interested in our plan?

  • In-Patient Hospitalization: Upto SI for at least 24 Hours of hospitalization.

  • Day Care Treatment: Hospitalization required for less than 24 hours for listed treatments

  • OPD Expenses: Doctor consultation, Pharmacy & Diagnostic examination expenses covered

  • Chemotherapy & Radiotherapy Cover: Covers expenses incurred for chemo and radio therapy

  • Dialysis Cover: The insured members can avail coverage for Dialysis up to Sum Insured amount.

  • Organ Donor Cover: Covers medical expenses incurred towards your organ donor.

  • Alternative Treatments: Covers Ayurveda, Unani, Sidha and Homeopathy treatment

  • Pre Hospitalization & Post Hospitalization: Covers medical expenses 30 days before hospitalization and 60 days after discharge.

  • No Claim Bonus: 50%/25%/25% corresponding increase in SI for 1st ,2nd , 3rd claim free policy years

  • Annual Health Checkup: Annual health check-up for insured member

  • Quick Recovery Counselling: Psychologist Counseling expenses covered

  • Doctor On Call: Consult doctors on a call

  • Global Coverage: Avail Hospitalization expenses outside India with a mandatory co-payment of 10 % per claim.

  • International Second Opinion: Covers expenses for consultation from international medical experts excluding India

  • Room Rent Modification: Room rent modification as per specified sum insured

  • Air Ambulance: Avail air ambulance service up to specified amount and severity of illness

  • Ambulance Cover: Covers charges for availing ambulance service in India

  • No Limit On ICU Charges: No Limit on ICU Charges

  • No Specific Waiting Period: There are no wait-periods for named ailments such as cardiac conditions, cancer etc., which in case of regular health insurance plans could be 2 years.

More features
Plan Name Critical Mediclaim
Sum Insured (SI) – on annual basis (in Rs.) 10L,25L,50L,100L,200L
Benefits
Hospitalization Expenses
In-Patient Care Up to SI
Day Care Treatment Up to SI
Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to SI
Chemotherapy and Radiotherapy Cover Up to SI
Dialysis Cover Up to SI
Ambulance Cover Up to Rs 3000 per hospitalization
Organ Donor Cover Up to SI or 15 L whichever is lower
Alternative Treatments Up to 25% Sum Insured
Second Opinion Once per Covered Condition per policy year
No Claims Bonus(NCB) 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
International Second Opinion# Once per Covered Condition per policy year (Applicable for Sum insured >= 50Lakhs)
Room Rent Modification^ No sub-limit on Room Rent/Room Category only if SI>=25 L and Claims Made in India
Air Ambulance Cover# Up to Rs 5 Lakhs (Applicable for Sum insured >= 50Lakhs)
Annual Health Check-up Annual from 2nd Policy Year on Continuous Coverage
Health Services
Quick Recovery Counseling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call Yes(Telephonic/Online Mode)
Health Portal Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim)
OPD Expenses (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000
Health Services
Quick Recovery Counseling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call Yes(Telephonic/Online Mode)
Health Portal Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim)
OPD Expenses (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000

*** Terms and Conditions Applicable #Optional Benefit. ^with optional benefit Room Rent Modification. ##at the discretion of the Underwriter. Note: Other SI / Age band options also available.

More Benefits
Plan Name Critical Mediclaim
Sum Insured (SI) – on annual basis (in Rs.) 10L,25L,50L,100L,200L
Covered Conditions(Illnesses/Diseases/Surgeries) 32 Critical illnesses
Age of Proposer (Adult) 18 years or above
Entry Age 5 years to 50 Years on Individual Basis
Pre-policy Issuance Medical Check up No Medicals required##
Tenure 1/2/3 Years
Premium Payment Mode*** Single/Monthly
Sub Limits:
Room Rent/Room Category Single Pvt. Room (Sum Insured= 10 Lakh)
All Categories (Sum Insured >= 25 Lakh
ICU Charges No limit
Wait Period:
Initial Waiting Period 90 Days
Specific Waiting Period Not Available
Pre-existing Disease 48 months

*** Terms and Conditions Applicable #Optional Benefit. ^with optional benefit Room Rent Modification. ##at the discretion of the Underwriter. Note: Other SI / Age band options also available.

Avail discounts on various services at listed centers.

Salient Features

  • - Search the best deal in your location
  • - Discount on all Healthcare and wellness services like Doctor Consultations, Diagnostics, Pharmacy, Dental Consultation and treatment
  • - Comprehensive details on Doctors like qualification & appointment details.
  • - Access to Right Healthcare Service, at right time and place.
  • - Symptom tracker
  • - Ailment to specialty tracker
  • - Automated discount coupon download
  • - 24x7 on call support

Services And Discount Offered

  • OPD - Get discount up to 50 % on Consultation.
  • Dental - Get discount up to 100 % on dental consultation.
  • Diagnostic - Get discount up to 40% on Diagnostic tests.
  • Pharmacy - Get discount up to 20% on Medicines.

Why Choose RELIGARE HEALTH INSURANCE?

7 Lakhs + Total Claims Paid

Awarded as Claims Leader of the Year

Cashless Claims approval in approx 2 hrs

24 x 7 Claims Service Support

One serious illness in the family and your financial planning goes for a complete toss. We do understand this and therefore promise stability and lifelong commitment to your well-being. Religare Health Insurance offers a comprehensive medical solution for you and your loved ones. Health is wealth, and it’s time you knew!

Let’s Promise to keep your HEALTH SECURE

Customer Testimonials
Frequently asked questions

What is Super Mediclaim?

Super Mediclaim is an Indemnity based Health Insurance Product that offers comprehensive coverage against critical illnesses such as cancer, major heart ailments, organ transplants & even critical surgeries. It gives the flexibility to choose from among 4 Plans basis your requirement.

  • Critical Mediclaim: A plan that covers 32 defined critical illnesses.
  • Cancer Mediclaim: Comprehensive coverage for a wide-range of cancer ailments.
  • Heart Mediclaim: A plan that covers 16 Critical Heart related Illnesses
  • Operation Mediclaim: : A plan that offers coverage for wide array of defined surgeries.

FIXED BENEFIT CI PLANS INDEMNITY CI PLANS
Fixed Benefit plans usually come with a pre-defined survival period (which is the minimum time for which an Insured has to survive post diagnosis of any ailment). This is a mandatory requirement to claim. Super-mediclaim plans do not come with any Survival period.
Severity based claim payment procedure. An insured might not be eligible to claim unless; an illness has not reached a pre-defined severity. Insured person is usually eligible for claim on the diagnosis of Critical Illnesses of Low Severity.
Usually Policy does not pay more than the given sum insured in the entire insured member’s lifetime. Even if the Sum Insured amount is exhausted in a policy year, the same is reinstated upon renewal. This way a customer can potentially claim an amount equal to the sum insured every year till he/she lives.
In most cases the policy is terminated on exhaustion of Sum Insured and cannot be continued further. Every plan in Super Mediclaim comes with Lifelong Renewability

As against a Regular Health Insurance Cover, Super Mediclaim via its tailored-need based plans endeavors to offer comprehensive coverage for critical illnesses that in today’s era are considered to be the most expensive.

Plans under the product – ‘Super Mediclaim’ would be more affordable than a plan with the same Sum Insured amount of a regular Health Insurance. What makes it even easier to afford is that the fact that premium can be paid in easy installments of 3 & 6 months.

  • Indemnity Based Product
  • Affordable as compared to regular health insurance plans.
  • Comes with lifelong Renewability: which means the sum insured is available every year & it also helps one financially in case of a re-lapse of an ailment.
  • Offers the option to pay premium in easy EMIs of 3 & 6 months.
  • Feature to avail counseling from a psychologist through Our ‘Quick Recovery Counseling’
  • Feature to double Your Sum Insured via No Claim Bonus in 3 consecutive claim-free years
  • Option of Premium Features like International second opinion, Air ambulance cover & Room rent Modification

No

Yes. Super Mediclaim comes with Lifelong Renewability which means once enrolled a person could continue to avail benefits throughout their lifetime (provided policy is renewed timely).

  • 5 Years to 50 years on individual Basis
  • Maximum renewal age: Lifelong

Super Mediclaim provides you the flexibility of paying the premium in Monthly or Quarterly Installments when your policy tenure is 2/3 years.

The option to avail EMIs for premium payment can be opted only at the time of purchase of policy & remains the same throughout policy year.

Upon choosing EMIs as the premium payment mode, if a claim is filed, then the remaining amount of EMIs for the policy year will be deducted from the total claim payable amount.

We understand that some Critical Illness have high impact on Kidney which sheds out a lot of money in getting Dialysis Treatment. We will pay you for availing Dialysis up to Sum Insured even after Post hospitalization.

Cancer is a dreaded disease and it requires constant care. We will pay you for availing Chemotherapy and Radiotherapy cover up to Sum Insured even after Post hospitalization

  1. Quick Recovery Counseling:
    • – Psychiatric Counseling available for Insured member or adult family member to deal with post hospitalization Trauma
    • – Available after IPD claim has been accepted
    • – Maximum 8 Times in a Policy Year, up to 2 times in a month
    • – Up to Rs.1000 per session
  2. Doctor on Call: You may seek medical advice from a Medical Practitioner through the telephonic or online mode by contacting us on the helpline details specified on Our website.
  3. Health Portal: The Insured Person may access health related information and services such as health risk assessment, Doctor on chat, Special rates for OPD, Diagnostics and Pharmacy through Network Providers, as available on the Company’s website.

Super Mediclaim comes with an enhanced version of No claim Bonus. In the first Claim free year, there is a 50% increase in base Sum Insured. In Claim free 2nd & 3rd year there will be 25% corresponding Increase on base SI. Thus 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free/ Policy Years respectively, Max up to 100% of SI. 50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid.

Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.

  • Yes

  • Yes if a 2 or 3 year Policy is bought on Single Payment Frequency.

*Sum Insured – Rs. 10/25/50 Lakhs & 1/2 Crore, Age – 18 to 25 years, Monthly Premium Payment Mode, Policy Period – 2 years. Exl GST.

Call:1800-200-4488|1860-500-4488

Disclaimer: This is only summary of selective features of product SUPER MEDICLAIM (Critical Mediclaim) For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

Please seek the advice of your insurance advisor if you require any further information or clarification.

UIN: RHIHLIP18033V011819. UAN: 18112670

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Get 10 Lakh critical cover at just 74/month*