for Critical Illness

Insurance is need, not luxury. You need insurance...

Folowing Plans are Available for covering Critical illness:

1) Star Criticare

2) ICICI Secure Mind

3) PnbMetLife Major Illness Premium Back Plan

4) MAXbupa CitiCare Plan

Work pressures and higher levels of stress have led to higher incidence of major illnesses like kidney disease, tumors and heart attack particularly among urban Indians. Star Health has a critical illness insurance policy that offers regular hospitalisation benefits along with Major Disease benefits in one policy. Star Criticare Plus Insurance provides for reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries and also provides for a lump-sum benefit in case the insured person is diagnosed with any Major Illness as listed in the policy for the first time during the policy period.

Q1. What is a Critical Illness Insurance?

A. Critical Illness Insurance is type of policy that offers a lump sum amount to the policyholders when he/she undergoes the diagnosis of a critical illness.

Q2. Why You Need to buy Critical Illness Insurance?

A. This insurance cover provides a lump sum amount which can be used for different purposes, including

  •     Paying off debts
  •     Expenses of the care and treatment
  •     Recuperation aids
  •     Any lost income due to a decreasing ability to earn
  •     Money for a change in lifestyle

Q3. What Is The Age Limit To Apply For Buying This Policy?

A. The minimum age of purchasing this insurance cover is 20 years, while 50 years is the maximum age till when you take this policy.

Q4. What Diseases Are Commonly Covered Under Critical Illness Insurance Cover?

A. This insurance cover provides a lump sum benefit to the policyholders during the diagnosis of the following critical illnesses of surgical procedures.

  •     Multiple Sclerosis
  •     Aorta Graft Surgery
  •     Third Degree Burns
  •     Major Organ Transplant
  •     Total Blindness
  •     Cancer
  •     Heart Valve Replacement
  •     Coma (persisting more than 30 days)
  •     End stage Renal Diseases (not involving transplant)
  •     Quadriplegia (persisting more than 60 days)

Q5. Do You Need To Undergo A Health Check-Up To Buy A Critical Illness Insurance Plan?
A. Health-checkup is not compulsory up to the age of 45 years.


MaxBupa CRITICARE plan


  • 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 Neurone 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

You can choose any of the following benefit options.
Benefit Option 1: Sum insured payable as lump sum
Benefit Option 2: Sum insured payable as lump sum plus additional 10% of the sum insured payable each year for subsequent 5 years.

  • Any critical illness occurring during the first 90 days of the policy are not covered.
  • No cover for Pre-existing Diseases until 48 months of continuous coverage from first policy start date.
  • The insured person needs to survive for at least 30 days from the date of diagnosis of critical illness for the claim to be admissible.
  • Insurance cover ceases for the insured person if claim has been paid under the policy and the policy cannot be renewed.


  • 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, 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 peace time
  • 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


A medical check-up may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrolment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.


Get more details

ICICI Secure Mind - for Critical Illness



When purachsaing any mediclaim or health insurance plan always look for following things:

1) Cashless hospital network in your locality (more the hospital the better it is).

2) Quality of hospitals covered under cashless network.

3) Exclusions of your health insurance plan.

4) Are there any cappings in your policy.

5) Who will support you in case you need to file any claim in emergency.

6) Do visit your local hospitals listed in your policy to ensure cashless facility is given.

7) Always take your policy from your local advisor, as they are more sensitive towards you and will be helpfull in case of emergencies as compared to any of the customer care desk executive.

Even if your parents are adequately covered by your employer, the cover provided would cease to exist post-retirement or you being fired or due to change in expenditure policy by employer. Considering the current rate of medical inflation in India, adequate health insurance has become a must-have for each and every individual, and if the individual happens to be your parent, the need to buy a senior citizen health insurance plan becomes all the more important.

REMEBER: your employer is not bound to cover your parents health expenses. know more

for Critical Illness