Frequently Asked Questions about Shri Criti Care Insurance

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

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

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

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)

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

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

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

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

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

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

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

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

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