Critical Care offers you a choice of coverage on both the sum insured and the tenure of the policy. You can choose between a cover of Rs. 3 Lakh, Rs. 6 Lakh or Rs. 12 Lakh sum insured and policy duration between 1 year, 3 years or 5 years.. The premium would be calculated accordingly.



The policy provides lumpsum benefit on diagnosis of any of 9 Critical Illnesses, Accidental Death and Permanent Total Disablement (PTD).

Critical Illnessess Cover The Critical Care Insurance shall cover, subsequent to 90 days from the policy start date, the following major medical illnesses and procedures: 1. Cancer 2. Coronary Artery Bypass Graft Surgery 3. Myocardial Infarction (Heart Attack) 4. End Stage Renal Failure 5. Major Organ Transplant 6. Stroke 7. Paralysis 8. Heart Valve Replacement Surgery 9. Multiple Sclerosis Click here to view details of illnesses covered. On diagnosis of any of the above illnesses, the insured is entitled to the lumpsum benefit of the entire Sum Insured opted for.

Accidental Death Cover In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured. (opted at the time of policy issue).

Permanent Total Disablement (PTD) Cover Critical Care insures against the permanent or total loss of limbs, sight etc. due to an accident. The compensation (Sum insued opted for) is given as a lumpsum benefit. It is to be noted that the compensation is payable only if the disablement results in inability to remain gainfully employed. Click here for Permanent Total Disablement Benefits.

Exclusions applicable to Critical Illness:

90 Days Exclusion:

Any illnesses and procedures within 90 days from start date of policy will not be covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.

Permanent Exclusion

The Company shall not be liable under this policy for:

Any Pre-Existing illness

Absence of submission of Doctor's medical certificate confirming the diagnosis of Illness or Injury or undergoing of medical/surgical procedure

Any congenital Illness or condition

Any medical procedure or treatment, which is not medically necessary or not performed by a Doctor

Any physical, medical or mental condition, illness, injury or treatment or service which is specifically excluded under the Policy

Treatment relating to birth defects and external congenital Illnesses

Birth control procedures and hormone replacement therapy

Any treatment/ surgery for change of sex or any cosmetic surgery or treatment

Treatment by family member and self-medication or any treatment that is not scientifically recognized

Exclusions applicable to Personal Accident:

The Company shall not be liable under this policy for:

Compensation/claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person

Claims arising out of sickness/illness

Death, injury or disablement of Insured Person a) From intentional self-injury, suicide or attempted suicide b) Whilst under the influence of intoxicating liquor or drugs c) Directly or indirectly caused by venereal disease or AIDS d) Directly or indirectly caused by contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof. e) Engagement in dangerous activities f) Mounting into, dismounting from or traveling in any aircraft other than as a fare paying passenger on a scheduled flight g) Mental disorder or psychosomatic dysfunction

Permanent Total Disablement prior to commencement of the policy

For more details, kindly refer to the Policy Wordings.

Know all about making a claim

Please note that the treatment and claim validation is to be made from Indian Diagnostic centre or doctor in India

Claim Process

Documents Required