Care Health
Care Plus
₹12,748/yr · ₹10 L
- Claim ratio
- 95.2%
- Room rent
- No cap
- Co-pay
- 0%
- Unlimited restore
- No room-rent cap
- Day 1 cover for 30+ diseases
Critical illness
A lumpsum the day you’re diagnosed.
35+ listed critical illnesses trigger a tax-free payout you can spend on anything — treatment, home conversion, income gap. Stacks on top of regular health cover.
35+
Illnesses covered
₹5 L–1 Cr
Lumpsum range
Day 15
Typical survival period
Top picks
Top critical-illness plans.
Three standouts for a 36 year-old non-smoker · ₹25 L lumpsum.
Best value
Star Health
Family Health Optima
₹14,840/yr · ₹10 L
- Claim ratio
- 92.5%
- Room rent
- Single pvt
- Co-pay
- 0%
- Automatic 3× recharge
- Newborn covered day 1
- 30-day free look
Niva Bupa
ReAssure 2.0
₹16,200/yr · ₹15 L
- Claim ratio
- 96.1%
- Room rent
- No cap
- Co-pay
- 0%
- Lock-in of age & premium
- Unlimited restore
- International cover
Common questions.
Can I take CI cover on top of regular health?
Yes — CI is a separate financial-protection product, not a substitute. Most customers carry both: health pays the hospital, CI pays the lump-sum on diagnosis to replace lost income while you recover.
How many illnesses does CI cover?
Plans range 8 to 60+. The IRDAI-defined 36-illness baseline covers cancer, cardiac, organ-failure, paralysis, kidney + liver. Higher-tier plans add neuro, autoimmune, women-specific.
What is a family floater?
A single policy with one sum insured that every listed family member can draw from. Cheaper per head than individual plans.
How does the room-rent cap affect my claim?
If you pick a room more expensive than the cap, every other charge (tests, consultations, procedures) gets proportionally reduced. We compare this at quote time.
When does pre-existing cover kick in?
Typically 24 to 48 months after purchase. A few plans offer day-1 cover for an extra premium — we flag those.
Can I claim cashless at any hospital?
Only at network hospitals. Outside the network it's reimbursement — pay first, claim later.
Sub-products
Other shapes of health cover.
Critical illness sits alongside your base health plan — it pays you regardless of hospital bills.
Individual
Dedicated cover for one person.
Best for singles under 35
from ₹623/mo
Most boughtFamily floater
One plan shared across the whole family.
Most popular for couples + kids
from ₹493/mo
Senior citizen
Tailored for parents over 60.
Pre-existing covered from day 31
from ₹1,847/mo
OPD + wellness
Dentist, labs, pharmacy, teleconsults.
For everyday out-patient spending
from ₹218/mo
You’re here
Critical illness
Lumpsum on diagnosis — cancer, heart, stroke.
Top-up for your existing cover
from ₹147/mo
Build a safety net for the worst-case.
2 minutes of questions, 9 insurers, lumpsum payout compared against hospitalisation cover.
Start my quote