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Wise Financial Thinking for a Healthy Life with Shri Criti Care Insurance
24*7 Claim Notifications
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- Overview
- Coverages
- Key Features
- Terminologies
- Claim Process
- FAQs
What is Shri Criti Care Insurance?
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




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
Features of Shri Criti Care Insurance
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


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


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 |
|
Individual below 60 years and Parent above 60 years | 75,000 |
|
Individual and Parent both are above 60 years | 1,00,000 |
|
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
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
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
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
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
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