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An individual and family health indemnity cover, which is simple to buy and provides coverage to 32 critical illnesses pre-defined in the policy.
About Critical Illness Insurance
Psychiatric Counseling
Covers 32 Critical Illnesses
Mediclaim Policy with Low Premium & High Coverage
EMI Option Available
What is a Critical Illness Insurance Cover?
Millions of people are battling life-threatening health conditions, such as cancer, stroke, kidney failure, and cardiovascular diseases. For those diagnosed with such conditions, every day is a constant challenge on the health front. At the same time, there is also a subsequent financial burden on the family due to high treatment costs.
We offer critical illness insurance, an individual and family health indemnity cover, which is simple to buy and provides coverage to 32 critical illnesses pre-defined in the policy.
Features of Critical Illness Policy
With the coverage against life-threatening diseases, our critical illness cover has the below prominent features:
Coverage for 32 critical illnesses, including cancer, stroke, end-stage renal failure, and more
Psychiatric counseling for a speedy recovery
Comprehensive coverage at low premium
Pre and post hospitalization, organ donor cover, and dialysis cover
Hassle-free claim settlement
EMI Option to reduce the financial burden
Online availability in few clicks
24x7 customer support
Benefits of Critical Illness Insurance
Buying health insurance is essential to stay financially protected when there is a medical emergency. For people who face the risks of serious ailments, there is a greater need for a suitable health cover, which will cater to the specific costs arising from their medical treatment. A critical illness insurance plan rightly fulfills this requirement by offering adequate coverage for various medical expenses, thus ensuring financial security. Such health plans also enable you to access quality medical care at the best hospital without facing any hassle.
Some of the significant benefits of critical illness policy include:
Cover for expensive medical procedures
Cover for medical expenses beyond hospitalization
Cashless claim facility at network hospitals
Tax savings under Section 80D
What is Included in a Critical Illness Insurance?
The critical illness policy provides treatment cover for 32 critical illnesses. Some of the significant features include:
In-Patient Hospitalization Cover
Pre and Post Hospitalization Medical Expenses
Day Care Treatment
OPD Cover
Cover for ICU charges
Ambulance Cover
Organ Donor Cover
Cover for Alternative Treatments
Chemotherapy & Radiotherapy Cover
International Second Opinion
Lifelong Renewability
Annual Health Check-up
Who Should Purchase Critical Illness Policy?
A critical illness can happen to anyone. A critical illness insurance policy is a must-have insurance policy for anyone in this day and age, when the constant hectic lifestyle has increased risks of ailments, such as cancer, stroke, and heart attack.
When faced with such serious medical conditions, a family's financial health also begins to suffer owing to the sudden rise in medical expenditures. Hence, this health policy serves as a vital financial backup in such scenarios. Getting the best critical illness insurance policy is advisable for everyone to stay financially secure in the wake of uncertainties. It especially beneficial for:
Individuals with a family history
If a critical illness runs in the family, it just increases the risk for you. Thus, a critical illness cover becomes an essential safety cover.
Those having financial responsibilities
Sole breadwinners of a family must think about their family's financial security and get a critical illness early.
Women - The increasing cases of cancer in women are an alarming sign. Thus, investing in a critical illness policy is best advised if you are prone to such risks.
Individuals above a specific age bracket
Once you cross a certain age, usually 40, the risk of some critical ailments increases. So, staying prepared with a health cover will set the stage for a secure future.
How Important is Critical Illness Insurance for Your Family?
While we desire a contented life without any obstacles, challenges come unexpectedly. Being diagnosed with a critical ailment is one example of the harsh side of life, with financial difficulties arising from frequent hospital visits & treatments. A regular health policy may prove beneficial any day, but getting a critical illness cover is a wiser approach to managing serious ailments.
A specialized insurance cover to meet hefty medical bills, the health insurance for critical illness will keep your family financially secure during such testing times. It proves beneficial in many ways:
A safety cover that shields you in the best way possible, this critical illness policy covers 32 critical ailments.
A high sum insured gives you complete protection as this indemnity-based critical illness plan covers various medical expenses you incur in a year.
You receive comprehensive financial protection for hospitalization and advanced medical procedures required for treatment, including chemotherapy and radiotherapy.
Key Factors to Keep in Mind While Opting for a Critical Illness Policy
Critical ailments often require long-term treatment. Besides hereditary factors, a hectic lifestyle can also trigger the occurrences of such medical conditions. It is, therefore, advisable to be financially prepared for such unforeseen events. Opt for a critical illness insurance policy to protect your savings, and minimise the burden of expenditures involved in availing medical care. Some factors to keep in mind while opting for a critical illness policy are:
Check if that particular critical illness is covered in the policy
Estimate the medical care costs involved in the treatment to choose the sum insured
Know the waiting period that must be completed before you can get a claim
Select a critical illness cover that offers comprehensive cover with additional benefits like organ donor cover and alternative treatment
Exclusions in Critical Illness Insurance?
The critical illness insurance policy has an initial waiting period of 90 days. The policy does not provide coverage in case of diagnosis of an illness or any surgical procedure during this period.
Before opting for the best critical illness insurance policy, it is essential to read the policy documents carefully to know the exclusions, i.e., the cases where the policyholder cannot get a claim. Permanent exclusions include claims arising due to:
Act of self-inflicted injury attempted suicide or suicide
Any illness related directly to the consumption of alcohol/ tobacco/cigarettes, etc.
HIV or any other sexually transmitted disease
Cosmetic or plastic surgeries or related treatment
Pregnancy, miscarriage, childbirth, maternity including C- section, abortion, or complications of any of these
All the hazardous activities
Damage caused by a nuclear, chemical, or biological attack or weapons
Illness or injuries caused due to any breach of law by the insured with any criminal intent
