Critical Illness Insurance

A Critical Illness Insurance plan covers serious, life-threatening diseases like cancer, heart disease, stroke, kidney failure, and organ transplants. Due to rising healthcare costs, having coverage for critical illnesses is important. This plan provides a lump sum payment if you are diagnosed with a covered disease during the policy term. Many critical illnesses covered by this plan are not included in regular health insurance plans.
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Highlights Critical Illness Plans

Provides financial security with a lump sum payment for critical illness diagnosis.
Offers comprehensive coverage at an affordable premium, with tax deductions under section 80D of the IT Act.
These plans are temporary and can be renewed on their expiry.

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Critical Illness Insurance Everything You Want to Know

Key Benefits and Features of a Critical Illness Policy in India

Advantages of Critical Illness Policy

Some of the top benefits offered by a critical illness cover are:

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Features of Critical Illness Policy

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List of Diseases Covered Under Critical Illness Insurance

Some of the major critical diseases covered under critical illness health insurance are:

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Features of Critical Illness Policy

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Critical Illness Insurance Plan - Inclusions and Exclusion

Critical Illness Insurance Plan - Inclusions

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Benefits under the plan can be availed within 30 days of disease diagnosis

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Coverage provided for up to a total of 50 major critical illnesses

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Annual health check-ups covered under the plan

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A lump sum amount is assured to the policyholder upon disease diagnosis

Critical Illness Insurance Plan – Exclusions

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Diseases due to internal or external congenital disorders

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No compensation in case of death of the insured within 30 days of disease diagnosis

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Injury due to adventure sports, war injury, or self-inflicted harm

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Complications during pregnancy or childbirth

Ask Anything as We Have Answers to Everything in Insurance

This policy pays the policyholder a lump sum if the person is diagnosed with a critical illness.

No, if a person is already diagnosed with an illness, they will not be able to buy this insurance.

Anyone between 18 – 65 years can buy a critical illness insurance policy.

Critical illnesses are life-threatening diseases such as cancer, cardiovascular diseases, stroke, organ failure, and so on.

While there are many options available, the best plan is comprehensive as it covers many diseases and is affordable.

People should buy it for financial security if diagnosed with a life-threatening disease to cover medical expenses.

It pays the maximum sum insured as a lump sum to the insured in the event of being diagnosed with a critical illness.

Critical illness cover imposes a waiting period of 90 days before the insured can raise a claim under this plan.

Yes, you can have a free look period under your critical illness insurance policy.