Health Assurance - CritiCare

Health Assurance - CritiCare

Acquiring critical illness such as cancer, stroke, kidney failure or lung disease is a life changing event which can disrupt dreams and goals for family and wipe out savings. Prepare for any critical illnesses with Max Bupa, and get the help you need to get back on your feet when your body lets you down.

Features

  • Direct Claim Settlement: Settle your claims directly with the team at Max Bupa, without involving any third-parties.
  • 2 or 3 Year Policy Tenure Options: Opt for a 2 or 3 year tenure on your insurance plan and get discounts on your premium.
  • Assured Policy Renewal: Guarantee your policy renewals for life. Your premium is only calculated basis your age and city of residence, and not your claim history.
  • Tax Benefit: A Max Bupa health insurance policy can help you save tax under Section 80D of the Income Tax Act. These benefits are subject to change in tax laws. You may consult your tax advisor for more in-depth advice pertaining to your personal finances.
  • Free Look Period: If you are unsatisfied with your policy, you have a 15 day free look period during which you can cancel your policy simply by stating your reason. The free look period will be 30 days if the policy is purchased through distance marketing mode and policy tenure is 3 years.
  • 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 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

Benefit Options

You can choose any of the following benefit options. Option once chosen cannot be changed later during the lifetime of the policy.

  • 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.

Policy Terms

  • The plan will not cover any critical illness occurring during the first 90 days of the policy. This waiting period does not apply to renewal policies.
  • The plan do not provide 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.

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, 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