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Care Critical Illness Assure Plan

What is the Plan all About?

Care Assure is a combination of Crtitcal Illness and Personal Accident cover which provides comprehensive coverage to the policyholder. The plan offers lumpsum benefit to the insured in the event of critical illness or in case of accidental death or permanent total disability.

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What are the Key Features?

  • 32 Major Critical Illnesses Covered, with diseases like cancer and stroke. 
  • Psychiatric counseling for making treatment best and useful for customers.
  • Pre and Post hospitalization facility is available and also cover organ donor. 
  • EMI Option is available for making things easy and financial burdens easy.  
  • No Survival Period is applicable
  • Child Educator Cover Available
  • Accidental death & disability covered under this plan
  • Tax Benefit as per applicable laws

What are the Plan Benefits?

Policy Benefits

    • Get a lump sum amount equal to 100% of the sum insured when the insured is diagnosed or operated for the specified any of the 32 critical illnesses.No survival period clause applicable under this plan to claim benefits.
    • Get a lump sum amount equal to 100% of the sum insured in the event of accidental death or accidental permanent disability.
    • Additional a lump sum amount in case of 10% of Sum Insured as child education cover if insured suffers from Critical Illness or unfortunate accident leading to death or disability as child education cover.
    • Critical illness is quite different from different plans but it has only target or only one work that have to do is protecting from critical illness, these are some offer that is included with this plan.
    • Pre & Post Hospitalization
    • Day Care Treatment 
    • OPD & ICU Charges are Covered 
    • Ambulance & Organ donors will be covered.
    • Lifelong Renewability. 

Value Added Benefits

    • Plan offers a health check-up once a year.
    • Second Opinion regarding Critical Illness from an expert free of cost.
    • Get 7.5% and 10% discount on opting 2 years and 3 years policy term respectively.
    • No Pre issuance Medical Checkup up to 45 years up to 10 Lacs of cover.
    • Quick Claim Settlement.
    • Tax Benefit under section 80 D of Income Tax Act,1961.
    • Cover expensive bills of hospitals.
    • EMI option is available for making life easy in terms of finance. 

Sub Limits

    No Co pay/Co sharing applicable under this plan.

Waiting Period Clause

    • Initial Waiting Period: A waiting period of 90 days from the inception date of this policy applicable to claim Critical illness benefits.
    • Survival Period Waiting Period: Zero day survival period clause applies.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 Years 65 Years
Sum Assured 5 Lacs 1 Crore
Cover Type Individual -
Policy Tenure 1 Year 3 Years
Grace Period 30 Days -
Freelook Period 15 Days -
Riders Nil -
Plan Type Online -

Exclusions

  • Any pre-existing illness.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Cosmetic & aesthetic and obesity-related treatment
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization, etc.
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