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Edelweiss Tokio Life – CritiCare+ is a health insurance product, that covers a truly wide range of 17 critical illnesses. In case you are faced with the unfortunate onset of a critical illness, you will be able to ensure that your family gets the required support to manage their day-to-day expenses as well as your health care expenses. Under the multiclaim option of this plan, you can also make claims up to 3 times during the policy term.

The minimum sum assured you can opt for in this policy is Rs. 5 lakhs and the maximum sum assured is Rs.1 crore.

This plan covers 17 critical illnesses

The critical illnesses covered by this plan include:

1. Open Chest CABG

2. Myocardial infarction (First heart attack of specific severity)

3. Open Heart Replacement OR Repair of Heart Valves

4. Kidney Failure Requiring Regular Dialysis

5. Major Organ Transplant (Heart, Kidney)

6. Stroke Resulting in Permanent Symptoms

7. Aorta Surgery

8. Permanent Paralysis of Limbs

9. Coma of Specified Severity

10. Third Degree Burns

11. Blindness

12. Aplastic Anaemia

13. Cancer of Specified Severity

14. Benign Brain Tumour

15. Major Organ Transplant (Bone Marrow, Liver, Lung, Pancreas)

16. Motor Neuron Disease with Permanent Symptoms

17. Multiple Sclerosis with Persisting Symptoms

You can make your premium payments on an annual basis.

The minimum and maximum entry age (as on last birthday) is 18 years and 65 years respectively.

The minimum policy term is 5 years and the maximum policy term is 30 years.

With the Single Claim option, you can make one claim when you are diagnosed with a critical illness. With the MultiClaim option, you can make up to three claims. 

Under this option, you can get benefit for up to 3 claims. Life insured can claim for Critical Illness only once from one group. Subsequent to a claim, the Life insured will still be eligible for benefits for critical illnesses falling under the other groups.

For the MultiClaim option, you get the waiver of future premiums on your first claim and stay protected for the remaining term of the policy.

You will receive the lump sum payout on diagnosis of one of the 17 listed critical illnesses.

You can avail of the plan benefit on detection of any critical illness that happens after 90 days of policy issue or revival date.

You have a period of 15 days from the date of the receipt of the policy document. Policies sold through Distance Marketing will have a free look period for 30 days.

Any critical illness having occurred within 90 days of policy issue date.

Please refer to the brochure for the detailed list.

Grace period for this plan is 30 days. The policy will remain in force during the grace period without losing out on continuity benefits like waiting periods and coverage of pre-existing diseases. Coverage is not available for the period for which no premium is received. If any premium goes unpaid at the end of the grace period, the policy shall lapse.

Edelweiss Tokio Life Criticare+ is a health insurance plan, therefore it doesn’t cover death.