CritiCare : Critical Illness Insurance Policy in India | Max Bupa

Vast Coverage

Your policy provides coverage for 20 major critical illnesses

Long Term Discount

Avail discounts by securing your health with 2 or 3 year tenure

HospiCash (O)

Ease your financial load as your family gets daily cash allowance

Accident Care (O)

Protect yourself and your family from uncertainty of accidents

Renewal for life

Once insured with us, you will always remain our customer

Know what’s covered under the CritiCare Insurance Plan

Simply search for your queries regarding the Crititicare insurance plan or check out all the features listed below.

Standout Features

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We give you coverage from up to 20 critical illnesses like cancer and paralysis


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Save taxes under section 80D of the income tax act for the amount paid as premium


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Take a policy for two or three years and get a discount on the second and third year’s premium


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There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly


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Get the health companion policy now you have up to 15 days to reconsider and cancel it with refund


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Renew your policy indefinitely and only your age and city of residence will be considered

Diseases Covered

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20 critical illnesses covered

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•Cancer of specified severity

•Open chest CABG

•First heart attack of specified severity

•Open heart replacement or repair of heart valves

•Stroke resulting in permanent symptoms

•Permanent paralysis of limbs

•Coma of specified severity

•Kidney failure requiring regular dialysis

•Major organ/bone marrow transplant

•Motor neurone disease with permanent symptoms

•Multiple sclerosis with persisting symptoms

•End stage liver disease

•End-stage lung disease

•Major burns

•Loss of speech


•Aplastic anaemia

•Bacterial meningitis

•Fulminant viral hepatitis

•Muscular dystrophy

Add-on Features​

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Optional Benefits


Accident Hospitalisation Limit (confined to India only)

Upto 2% of AccidentCare Sum Insured

-Surgical Operations


Covered upto the Accident hospitalization limit.

Claim settlement on reimbursement basis only and coverage limited to India only.

-Nursing Care, Drugs, and Surgical Dressing

-Medical Practitioner’s / Surgeon’s Fee

-Room Rent

-Operation Theatre Charges

-Anesthetics Fee (including administration)

X-ray exams, or treatment including CT Scan

-Diagnostic Procedures and Therapies

-Prosthetic Implants

-Emergency Ambulance (as part of overall Sum Insured)

Limited to Rs 2000/claim

-Physiotherapy (as part of overall Sum Insured)

Limited to 10% of Accidental hospitalization limit


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  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)
  • The Insured Persons attempted suicide or self-inflicted injuries while sane or insane
  • Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or the Insured Person’s abuse of drugs and/or consumption of alcohol
  • Failure to seek or follow Medical Advice
  • War (whether war be declared or not), invasion, an act of foreign enemy, hostilities, armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
  • Taking part in any naval, military or air force operation during peacetime
  • Participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/water craft that is authorised by the relevant regulations to carry such passengers between established airports or ports
  • Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
  • Participation by the Insured Person in a criminal or a breach of law with criminal intent
  • Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature

Why choose CritiCare?

Doctors Speak

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Live well with Max Bupa

Check out what the doctors and the  experts have to say about your health and health insurance

Calculate Medical Expenses

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Painless renewals

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Assured plan renewal for life

Get up to 20% off on renewals for staying healthy

Get cashless health check annually

Assured policy renewal with no extra loading

Get 20% more coverage for every claim-free year

Hassle-free 5 minutes renewal process

What are the features of critical illness insurance policy?

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Max Bupa’s critical illness insurance cover takes care of your financial burdens in the event of a serious ailment. The cover provides you a lumpsum amount which can be used to cover expenses for your diagnosis, doctor visits, medical expenses and hospitalisation as well. Max Bupa CritiCare protects your against Cancer of specified severity, open chest CABG, first heart attack of specified severity, open heart replacement or repair of heart valves, stroke resulting in permanent symptoms, permanent paralysis of limbs, coma of specified severity, kidney failure requiring regular dialysis, major organ/bone marrow transplant, motor neurone disease with permanent symptoms, multiple sclerosis with persisting symptoms, end stage liver disease, end-stage lung disease, major burns, loss of speech, deafness, aplastic anaemia, bacterial meningitis, fulminant viral hepatitis, and muscular dystrophy. The important thing to keep in mind is that all critical illness plans work the same way – as a fixed benefit plan. Once the sum assured is paid out, the insurance promise is fulfilled, and the coverage ceases to exist.

Why do you need a critical illness insurance cover?

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Without a Critical Illness Cover, you may have to dip into your precious savings to pay for the expensive treatment and possibly put the future financial goals of your family in jeopardy. A critical illness cover relieves financial stress which can help you lead a healthy life.


You can also choose the type of critical illness insurance you need. It can be taken as either a stand-alone insurance cover or as an additional benefit to your standard health insurance plan. Connect with our chatbot CIA or call us at 1860 500 8888 to know more about your ideal critical illness cover.

Frequently Asked Questions





There are various ways in which you can purchase this policy:

Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.

Telephone: If you wish to know more about Max Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860-500-1000 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) to buy the policy over the phone.

Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

Get the most value from CritiCare

The Max Bupa Promise

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The Max Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 4500+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Cashless OPD & Paperless reimbursements

No paper, no hassle. Get online reimbursements

Your everyday health partner

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your everyday health partner-compressed

Max Bupa Health App

Track your health, manage your policy & renewals

Download App now>>

Health coach

Reach your fitness goals with a personalised health coach

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Document locker

Store & access all your medical records with a few taps

Login to Health App>>

Book Cashless OPD Online!

Doctor’s appointment through our cashless health network

Hassle-free claims

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Hassle-free claims
Get admitted

Visit us at one of our hospitals

Use your health card

Identify yourself with your MaxBupa health card

Get validated

After validation your request will be sent directly to us

We Review

No third party involved!

Claim Settled

In as less as 30 minutes!

Get a quote

Tell us a little about yourself and we’ll get you the right quote.

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