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Overview
Coverages
Key Features
Terminologies
Claim Process
FAQs

What is Shri Criti Care Insurance?

Q: Is there any age related eligibility criteria for purchasing this policy?

Entry age for this policy is 5 to 65 years,Proposer’s age should be more than 18 years,Children between 5 to 18 years of age would be covered only when both parents are also insured under the policy.

Shri Criti Care Insurance policy covers chronic/critical illnesses that require expensive medical care. Shri Criti Care Insurance policy provides a lump sum payment upon diagnosis of a critical illness up to the sum insured

The minimum insurable age is 18 years except for dependent children for whom the minimum insurable age is 5 years
The general maximum age for entry is 65 years and the maximum renewal age is 70 years
A policy holder can choose a tenure of 1 to 3 years based on their preferences. The sum insured available is from ₹ 50,000 to ₹ 3 crores

Nil Pending
Complaints

Over 60 Lakhs
Happy Customers

Why Choose Shri Criti Care Insurance?

Shriram General Insurance Company allows you to purchase, renew and file claims in minutes
Shri Criti Care Insurance policy can be purchased instantly with a quick application process and minimal paperwork
We provide 24*7 claim support to ensure swift resolution of claims

Minimal Documentation

An easy and simple application purchase

Comprehensive Coverage

Provides extensive critical illness coverage

Tax-saving Benefits

Tax exemptions under Section 80D

Instant Claim Process

24*7 dedicated claim support is available

Get your Shri Criti Care Insurance in 3 Simple Steps

Call our Toll-Free number

Shri Criti Care Insurance can be purchased by calling our Toll-Free number (1800-300-3000/1800-103-3009) at your convenience

You will be guided by our dedicated customer support executives throughout Shri Criti Care Insurance journey

Submit the required documents

Kindly submit the required proofs to proceed further, details such as health records, medical certificates, sum insured, identity and address proofs (Aadhaar Card, Passport) to proceed with the Shri Criti Care Insurance process

Complete the payment and get an instant Shri Criti Care Insurance

Kindly complete the payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking or Cheque) and get Shri Criti Care Insurance policy instantly

Insure Now

Benefits of Shri Criti Care Insurance

The benefit amount is payable once the disease is diagnosed, meeting specific criteria and the insured survives 30 days after the diagnosis
The insured member can utilise this amount for treatment of the disease, lifestyle changes, donor expenses or planned treatment in India, etc.
Hassle-free In-House claim process
Premium paid is exempt under Section 80-D of the Income Tax Act

Frequently Asked Questions

Is there any age related eligibility criteria for purchasing this policy?

Entry age for this policy is 5 to 65 years
Proposer’s age should be more than 18 years
Children between 5 to 18 years of age would be covered only when both parents are also insured under the policy

Is there any pre-medical health check-up for enrolment in this policy?

No, a pre-policy medical check-up is required for individuals up to the age of 45 years

What is Covered?
What is not Covered?

Sl. No	Critical Illnesses	Standard Plan	Superior Plan	Advanced Plan
1	Cancer specified severity
2	Myocardial Infarction(First heart attack - of specified severity)
3	Open chest CABG
4	Open heart replacement or repair of heart valves
5	Kidney failure requiring regular dialysis
6	Stroke resulting in permanent symptoms
7	Major organ /bone marrow transplant
8	Permanent paralysis of limbs
9	Multiple sclerosis with persisting symptoms
10	Primary (Idiopathic) Pulmonary Hypertension
11	Coma of Specified Severity
12	End Stage Liver Failure
13	Loss of Limbs
14	Major Head Trauma
15	Angioplasty
16	Benign Brain Tumour
17	Blindness
18	Deafness
19	End Stage Lung Failure
20	Loss of Speech
21	Third Degree Burns
22	Motor Neuron Disease With Permanent symptoms

Pre-existing illnesses/conditions/injuries that exist at the time of commencement of the insurance policy

Any illness, sickness, or disease other than those listed in the policy schedule as critical illnesses

Any critical illness resulting from a physical or mental condition that existed before the policy issue date or the last commencement date which was not disclosed

Intentionally self-inflicted injury or illness, sexually transmitted conditions, mental/nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection, suicide, etc.

War, civil war, invasion, insurrection, revolution, an act of a foreign enemy, hostilities (whether war be declared or not), rebellion, mutiny, use of military power, etc.

Ionising radiation or contamination by radioactivity from any nuclear fue

The radioactive, toxic, explosive or other dangerous explosive nuclear equipment

Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorised vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any professional sport, any bodily contact sport or any other hazardous/potentially dangerous sport for which you are trained or untrained

Any loss resulting directly or indirectly from childbirth or pregnancy

Any critical illness based on a diagnosis made by the insured or their immediate family member, anyone who is living in the same household, herbalist, acupuncturist or other non- traditional health care provider

Cosmetic/plastic surgery, any elective surgery or cosmetic procedure that improve physical appearance, surgical and non-surgical treatment of obesity (including morbid obesity) and weight control programs or treatment of an optional nature

Special nursing care, routine health checks, convalescence, custodial care, general debility, lethargy, rest cure, etc.

Any investigation(s) or treatments not directly related to a covered illness or covered injury or the conditions or diagnosis necessitating hospital admission

Frequently Asked Questions

Is a critical illness rider enough to supplement the existing health coverage?

A critical illness policy, when taken standalone, proves to be more beneficial than one taken as a rider with a health insurance policy. An independent critical illness policy provides better, comprehensive coverage for critical illnesses as compared to a critical illness rider. Also, it remains valid even if your health insurance policy lapses

Who will bear the cost of medical health check-ups?

The insurer will be paid up to 50% of the medical check-up expenses if the proposal is accepted

Key Features of Shri Criti Care Insurance

Cost-effective Policy

Most affordable critical illness insurance policy with minimal paperwork

Lifelong Renewability

Shri Criti Care Insurance policy renewal is simple and quick

Flexible Policy Tenure

The policy tenure is 1 to 3 years, depending on the policy holder’s preference

Sum Insured

From ₹ 50,000 to ₹ 3 crores, one can opt for the sum insured

Claim Settlement

A dedicated claim support team ensures instant claim settlements

Frequently Asked Questions

Is there any grace period for continuity benefits?

Yes, at the end of the policy period, the policy shall terminate and can be renewed within a 30 day grace period to maintain the continuity of benefits with the break-in policy

Is Coverage available in Grace Period?

No, coverage is not available during the grace period

What are the tax benefits that can be availed on this plan?

Deduction u/s 80 D of the income tax act is available from taxable income for a premium paid towards health insurance

Section	Description	Category Wise Sum Insured (in ₹)
Individual and Parent both are below 60 year	50,000	25,000 for Individual 25,000 for Parent
Individual below 60 years and Parent above 60 years	75,000	25,000 for Individua 50,000 for Parent
Individual and Parent both are above 60 years	1,00,000	50,000 for Individua 50,000 for Parent

Survival period

Survival period means that an insurance benefit is payable, only if the insured is alive for a period of more than or equal to 30 days from the date of the first diagnosis of the illness/medical event or undergoing an illness-related surgical procedure for the first time

Frequently Asked Questions

Is a free-look option available in this policy?

The policy holder has a period of 15 days from the date of receipt of the first policy document to review the terms and conditions of this policy. If they have any objections to any of the terms and conditions, one has the option of cancelling the policy, stating the reasons for cancellation. If they have not made any claim during the free-look period, they shall be entitled to a refund of premium

Is a free- look option available on the renewal of this policy?

Free-look period will not be applicable to renewal policies

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Shriram General Insurance’s claim intimation process is easy and hassle-free. Intimate a claim, submit the required documents and get a timely claim settlement

Get your Shri Criti Care Insurance Claim in 3 Simple Steps

step 1
step 2
step 3

Intimate your Claim

Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download the CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)
You will be contacted by our customer service team and guided throughout the passenger carrying vehicle insurance claim process

Submission of Required Documents

Please provide the REQUIRED DOCUMENTS mentioned to proceed further

Verification and Claim Settlement

After receiving the documents, our dedicated verification team will initiate the process. Once the evaluation is done, the funds will be sent to the recipient directly

Intimate Claim

Frequently Asked Questions

Whom to contact in case of Claim?

In case of a claim under the Shri Criti Care Insurance policy, one should immediately intimate the Shriram General Insurance customer support executives via our helpline numbers mentioned in the policy documents

On receipt of the intimation, we would register the claim and assign an unique claim reference number, which may be used for all future correspondence

What all documents are required at the time of claim?

1. Duly completed claim form

2. Original discharge summary

3. Consultation note/relevant treatment papers

4. All relevant medical reports along with supporting invoices and doctor’s requisition advising the same

5. Original and final hospitalisation bills with a detailed breakup

6. Pharmacy bills along with prescriptions

7. Any other documents that the company may require

8. On receipt of the claim documents, the claim will be processed in accordance with the terms and conditions of the policy

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General Cover Premium Claim Policy

What is a critical illness?

Critical illness is a serious long-term disease such as Heart Disease, Cancer, Paralysis, Stroke, Coronary Artery Bypass Surgery, etc

What is meant by disease?

Disease means a pathological condition of a part, organ or system resulting from various causes, such as infection, pathological process, or environmental stress and characterised by an identifiable group of signs or symptoms

What do you mean by pre-existing diseases?

Any condition, ailment, injury or related condition(s) for which the insured person had signs or symptoms and/or was diagnosed and received medical advice/treatment within 48 months prior to the first policy purchase

Can I buy a Shri Criti Care Insurance policy online?

Yes, if one is willing to purchase the Shri Criti Care Insurance policy, they can explore the official website of Shriram General Insurance Company Limited (www.shriramgi.com)

What kind of documentation is required to purchase this policy?

The best part of this policy is that one does not require to submit any documentation. All they need to do is to submit a duly signed and complete proposal form with relevant details. Choose the sum insured and pay via cheque or fill the credit card details in the form

Why should I purchase Shri Criti Care Insurance?

Shri Criti Care Insurance provides you and your family, with additional financial security on diagnosis of a critical illness. The claim amount could be used for:

Costs of the care and treatment
Recuperation aids
Debts pay off like Home loan, Car Loan, etc.
Any lost income due to a decreasing ability to earn
Fund for a change in lifestyle
Fund which can be used for modification of home facilities like the building of new ramps, stairs or room

When will the Shri Criti Care Insurance policy benefits get paid?

The company will pay the sum insured as a lump sum on the first diagnosis of any one of the following critical illnesses, provided that the insured person survives a period of 30 days from the date of the first diagnosis

The following critical illnesses are covered under our plan:

Cancer of specified severity
Recuperation aids
Myocardial Infarction (First heart attack - of specified severity).
Open chest CABG
Open heart replacement or repair of heart valves
Kidney failure requiring regular dialysis
Stroke resulting in permanent symptoms
Major organ/bone marrow transplant
Permanent paralysis of limbs
Multiple sclerosis with persisting symptoms
Primary (Idiopathic) Pulmonary Hypertension
Coma of Specified Severity
End Stage Liver Failure
Loss of Limbs
Major Head Trauma
Angioplasty
Benign Brain Tumor
Blindness
Deafness
End Stage Lung Failure
Loss of Speech
Third Degree Burns
Motor Neuron Disease

What are all not covered under a critical illness policy?

The exclusions of the policy may differ from one insurer to another. These are the common health conditions that are not covered under a critical illness policy,

The following critical illnesses are covered under our plan:

Pre-existing disease up to 48 months
Self-inflicted injuries
HIV, AIDS, or other STDs
Pregnancy or childbirth
Any congenital conditions
Cosmetic treatment/surgery
Nuclear, biological or chemical contamination
Alcohol consumption, smoking, other tobacco intake or drug abuse
Any form of war, invasion, civil war, rebellion, etc.
Ionising radiation or contamination by radioactivity
Mental or functional disorder
Participation in dangerous sports

What is the waiting period under Shri Criti Care Insurance policy?

Upon purchasing this policy, the policy holder will have to wait 90 days before they can file a claim

Can I port any other policy into this policy?

Portability is applicable only to similar products. In this case, you can port your existing critical illness policy into Shri Criti Care Insurance policy

Does a critical illness policy pay for the hospitalisation benefit?

No, a critical illness policy is a benefit plan and only pays a lump sum compensation when the policy holder is diagnosed with any one of the listed specified diseases in the policy documents

Can I make multiple claims for the same or any other listed critical illnesses?

No, you can make only one claim during the lifetime of the policy

What is a benefit policy?

A benefit policy is a kind of policy where the insurance company pays the policy holder a lump sum amount upon the happening of an insured event

Why should I buy Shri Criti Care Insurance policy if I already have health coverage?

A health insurance policy only covers the inpatient hospital bill and pre/post hospitalisation expenses. Also, most of the time, sum insured is not enough to cope with all the expenses

There are so many expenses like consumable items cost, vitamins, portable medical devices and so on are not covered under basic health policy. In contrast, Shri Criti Care Insurance policy pays the sum assured as a lump sum in the event of the diagnosis of any one of the listed critical illnesses, which you can use to pay the medical treatment bills plus recovery expenses

What our customers say ?

Divyansh says,

Shriram General Insurance is the best travel insurance and i can confidently recommend.Truly the best online travel insurance site in India. Thanks to Shriram General Insurance !.

Vidit says,

Shriram General Insurance has a very encouraging overseas travel insurance program for us. Overall it's very nice

Malik says,

I had some doubts when reading the terms and conditions of my travel insurance. I called the Shriram General Insurance helpline and they cleared up most of my doubts.

Prakash says,

SGI Health Insurance currently administers my health insurance policy. I still have a bonus and there hasn't been a claim. This insurance covers all hospitals for cashless payments. Customer support is excellent.

Apeksha says,

This group health insurance policy, which has a Rs. coverage amount, was obtained from Shriram General Insurance. They have connections with several hospitals and also offer cashless medical care.

Ashwin says,

“I am satisfied with Health insurance claim service” Got my Health insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

Chiranjeev says,

My Commercial Vehicle Insurance is the best. These are very good, helpful and wonderful people. I am pleased to join Shriram General Insurance commercial vehicle insurance plan.

Purushottam says,

For commercial vehicle insurance, I can suggest Shriram General Insurance with confidence. I'm relieved that my vehicle is now protected and secure, I appreciate Shriram General Insurance!

Santram says,

Shriram General Insurance provides me with a commercial vehicle insurance policy that fully protects the vehicle for a comparatively small outlay of money. Excellent customer satisfaction policy, I'm pleased!

Amritlal says,

After taking into account all other plans available, I decided to go with Shriram General Insurance for my personal insurance policy. I am extremely pleased with the outcome of my claim and the amount of time and accuracy put into it.

Meghna says,

Taken the personal insurance policy with Shriram General Insurance company around 5 years ago. My colleague is suggested me to take the policy from here. The claim ratio is more compared to others. This was taken for my family benefits and customer service is good. Thank you SGI!!

Mohan says,

Five years ago, I chose to invest in a personal insurance policy with Shriram General Insurance Company after being recommended by a colleague. They had one of the best claim ratios and the customer service is great. Taking out this policy has benefited my family immensely and I'd like to take this opportunity to thank Shriram General Insurance for their excellent services.

Akanksha says,

I recently took out a home insurance policy with Shriram General Insurance and it covers me if there is any destruction to my property due to natural disasters such as earthquakes. I am very pleased with their customer service and quick response times. This gives me peace of mind knowing that I have this policy in place.

Raveena says,

After consulting with many people, I chose to purchase my home insurance from Shriram General Insurance. The experience was quite pleasing & I am glad that I went with them as their policy has proven to be very satisfactory.

Tejas says,

Securing my future by taking home insurance from Shriram General Insurance was a great decision. Not only did I get protection from natural and man-made calamities, but the service provided was also excellent.

Shubham says,

The add-on covers on my policy were extremely helpful. I got my claim easily and also reserved my NCB.And Shriram has made it so easy to renew any policy online without any tussle, trouble.thank you Shriram General Insurance!

Amandeep says,

Shriram General Insurance Co. Ltd is a trustworthy partner to me. They have a sincere and genuine approach towards settling claims, which I highly appreciate and value. They made it easier for me to manage through the tough times.

Satyaprakash says,

Shriram General Insurance truly stands out with the great service they provide – claims are processed quickly and effortlessly. I am very appreciative of their support! The quick and stress-free claim process made life easier for me during a trying time.

Shakeel says,

Shriram General Insurance really offer affordable two wheeler insurance premium. When my bike was damaged in an accident, I was stressed out but their two wheeler insurance executive took care of the situation quickly & efficiently. Thanks to Shriram General Insurance!

Samantha says,

I recently got a two-wheeler insurance policy from Shriram General Insurance and had a great experience. The website was incredibly user-friendly and all the relevant information was easily accessible. I'm glad my two-wheeler is safe and secure now - thank you Shriram General Insurance!

Vandana says,

My friend working for Shriram General Insurance suggested I take out a two-wheeler insurance policy from them. I've been renewing it before its expiry ever since and have been pleased with the service.I recently visited their branch and decided to renew my policy with them. The reason I chose them was because they provide first-party insurance with utmost claim amounts, plus this policy includes bumper to bumper coverage.

Chetan says,

I was thoroughly satisfied with my decision to get car insurance from Shriram General Insurance. Not only did I find their rates quite reasonable, but the policy coverage was also adequate. I am especially impressed with how efficiently and smoothly they handled my claims.

Ankit says,

I can confidently recommend Shriram General Insurance for car insurance as I have been a loyal customer for the last 5 years. Their claims process is very efficient and they respond swiftly to their customers in comparison to the other providers.

Rahul says,

I recently switched to Shriram General Insurance for my car insurance and I'm glad I did. The customer service is great, and the policy was issued instantly. I am Very impressed with their services!