Critical Illness Insurance

Critical Illness Insurance Policy
A health insurance plan that protects you and your family from 20 major critical illnesses
20 critical illness cover
We cover 20 critical illnesses
Long term discounts
For two or three yr. plans
Cover available
Up to 2 crore
Tax Benefit
Save on taxes with our plans

Family Combination Applicable
Up to 2 Adults
Cover starts from
3 lakhs - 2 crore
Premium starts from
12,521 /Yr


Vast Coverage
Your policy provides coverage for 20 major critical illnesses

Long Term Discount
Avail discounts by securing your health with 2 or 3 year tenure

Hospital Cash (O)
Ease your financial load as your family gets daily cash allowance

Accident Care (O)[B/]
Protect yourself and your family from uncertainty of accidents

[B]Renewal for life
Once insured with us, you will always remain our customer

Standout Features

COVERAGE AGAINST 20 CRITICAL ILLNESSES
We give you coverage from up to 20 critical illnesses like cancer and paralysis

TAX BENEFIT
Save taxes under section 80D of the income tax act for the amount paid as premium

TENURE DISCOUNT
Take a policy for two or three years and get a discount on the second and third year's premium

DIRECT CLAIM SETTLEMENT
There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

FREE LOOK PERIOD
Get the health companion policy now you have up to 15 days to reconsider and cancel it with refund

ASSURED RENEWAL
Renew your policy indefinitely and only your age and city of residence will be considered

Diseases Covered
20 critical illnesses covered

Cancer of specified severity
Open chest CABG
First heart attack of specified severity
Open heart replacement or repair of heart valves
Stroke resulting in permanent symptoms
Permanent paralysis of limbs
Coma of specified severity
Kidney failure requiring regular dialysis
Major organ/bone marrow transplant
Motor neuron disease with permanent symptoms
Multiple sclerosis with persisting symptoms
End stage liver disease
End-stage lung disease
Major burns
Loss of speech
Deafness
Aplastic anaemia
Bacterial meningitis
Fulminant viral hepatitis
Muscular dystrophy

Add-on Features
Optional Benefits

Accident Hospitalization Limit (confined to India only)
Up to 2% of Accident Care Sum Insured
Surgical Operations
Covered up to the Accident hospitalization limit.
Claim settlement on reimbursement basis only and coverage limited to India only.
Nursing Care, Drugs, and Surgical Dressing
Medical Practitioner's / Surgeon's Fee
Room Rent
Operation Theatre Charges
Anesthetics Fee (including administration)
X-ray exams, or treatment including CT Scan
Diagnostic Procedures and Therapies
Prosthetic Implants
Emergency Ambulance (as part of overall Sum Insured)
Limited to Rs 2000/claim
Physiotherapy (as part of overall Sum Insured)
Limited to 10% of Accidental hospitalization limit

EXCLUSIONS
PERMANENT EXCLUSIONS
Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)
The Insured Persons attempted suicide or self-inflicted injuries while sane or insane
Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or the Insured Person's abuse of drugs and/or consumption of alcohol
Failure to seek or follow Medical Advice
War (whether war be declared or not), invasion, an act of foreign enemy, hostilities, armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
Taking part in any naval, military or air force operation during peacetime
Participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports
Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
Participation by the Insured Person in a criminal or a breach of law with criminal intent
Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature

What are the features of critical illness insurance policy?
Max Bupa's critical illness insurance cover takes care of your financial burdens in the event of a serious ailment. The cover provides you a lumpsum amount which can be used to cover expenses for your diagnosis, doctor visits, medical expenses and hospitalization as well. Max Bupa Criti Care protects your against Cancer of specified severity, open chest CABG, first heart attack of specified severity, open heart replacement or repair of heart valves, stroke resulting in permanent symptoms, permanent paralysis of limbs, coma of specified severity, kidney failure requiring regular dialysis, major organ/bone marrow transplant, motor neuron disease with permanent symptoms, multiple sclerosis with persisting symptoms, end stage liver disease, end-stage lung disease, major burns, loss of speech, deafness, aplastic anaemia, bacterial meningitis, fulminant viral hepatitis, and muscular dystrophy. The important thing to keep in mind is that all critical illness plans work the same way as a fixed benefit plan. Once the sum assured is paid out, the insurance promise is fulfilled, and the coverage ceases to exist.

Why do you need a critical illness insurance cover?
Without a Critical Illness Cover, you may have to dip into your precious savings to pay for the expensive treatment and possibly put the future financial goals of your family in jeopardy. A critical illness cover relieves financial stress which can help you lead a healthy life.
You can also choose the type of critical illness insurance you need. It can be taken as either a stand-alone insurance cover or as an additional benefit to your standard health insurance plan.