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Critical Illness Health Insurance

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Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. A critical illness insurance policy covers the insured against life-threatening critical illnesses such as cancer, heart attack, renal failure etc. This insurance policy provides coverage in the form of a lump sum at the time of diagnosis of a covered illness, subject to crossing the survival period. The lump sum is the sum insured can be used for the treatment expenses and is not related to the actual expenses incurred for treatment.

If you are already covered under a comprehensive health insurance plan which can be a group cover from your employer and need extra insurance for life threatening situation then choose critical illness plan. Do not second guess as why buy another insurance and clutter coverage? In case if you are diagnosed with a critical ailment which may require specialized treatment and your basic health plan would consider that as a limit on doctor's fee and wont cover for full medical costs. In such cases you may avoid paying from your pocket if you have already purchased a Critical Illness Policy. These plans can cover for cap on specific expenses such as medicines, intensive care unit or prosthetic. Diseases like Cancer, Multiple Sclerosis, Paralysis, Coronary Artery Bypass Surgery, Major Organ Transplant, Primary Pulmonary Arterial, Hypertension, First Heart Attack, Stroke, Kidney Failure, Arota Graft Surgery, etc can be covered by insurers under these plans.

Key Features under Critical Illness Plans

Pays for the expensive treatments and much cheaper than an indemnity plan.
These plans offer fixed benefit coverage and insured will get full sum insured irrespective of whether hospitalized or not.
Most plans may have survival clause and the insured must survive for at least 30 days after diagnosed with critical illness to file claim.
The details of coverage and number of critical illnesses covered can vary from insurer to insurer.
Balancing between comprehensive health insurance policy and critical illness plan can give a good coverage.

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Critical illness insurance was originally sold with the intention of providing financial protection to individuals following the diagnosis or treatment of an illness deemed critical. Critical illness should ideally be purchased by individuals along with a life insurance or term assurance policy or even with a standard health insurance cover. The claims received could be used to:

pay for the costs of the care and treatment;
pay for recuperation aids;
replace any lost income due to a decreasing ability to earn; or even
fund for a change in lifestyle

This insurance can provide financial protection to the policyholder or their dependents on the repayment of a home loan due to the policyholder contracting a critical illness condition or on the death of the policyholder. In this type of product design, some insurers may choose to structure the product to repay a portion of the outstanding home loan (Credit Shield) debt on the contracting of a critical illness, whilst the full outstanding mortgage debt would be repaid on the death of the policyholder. Alternatively, the full sum assured may be paid on diagnosis of the critical illness, but then no further payment is made on death, effectively making the critical illness payment an 'accelerated death payment'. Some employers may also take out critical illness insurance for their employees. This contract would be in the form of a group contract and has become an essential strategy used by employers around the world to both protect their employees financially as well as attract more employees to consider working for the company.

The table below will shed some light on the need for every individual to have a Critical Illness plan, especially given the prevalence of such a lifestyle for the average Indian:

Critical Illness	Data Points (India)	Some of the Causes
Heart Disease	Around 200 deaths/lac of population Estimated that by 2030, 1 out of every 3 patients will be from India Estimated to add around 1.6 million patients every year In India 4 persons in the age group of 30-60 succumb every minute	Sedentary Lifestyle Smoking / Excessive Alcohol Cholesterol / Hypertension / Diabetes Obesity Genetics / Family History Stress
Cancer	Death from some type of cancer every 3 minutes Almost 70% of cancer patients in India between 30-70 years New Cases account of around 1.2 million every year Expensive, uncontrollable treatment expenses	Tobacco Excessive Alcohol Pollution Exposure Ultra Violet (UV) Ray exposure consistently Sedentary Lifestyle Genetics / Family History
Alzheimer’s Disease	Atleast 5% of the population suffer some form of this disease upto 65% of age Early detection age has come down to 45-50 years from above 60 a couple of decades ago India will be home to around 14.3 million patients in the next 25-30 years Expensive treatment which is ongoing	Age Family History Head Injuries Cardiovascular Problems
Kidney Ailments (Chronic Kidney Disease – CKD)	150-230 persons per million suffering from End Stage Kidney Disease (ESKD) Health Ministry estimates atleast 800 persons/million have some health issues related to the Kidney Upto 275,000 persons require Renal Replacement Therapy (RRT) every year Dialysis Expenses range between ₹20,000 – 30,000 per month	Diabetes Lifestyle diseases Smoking Lack of fluid intake Too much consumption of salt leading to Hypertension
Stroke	Prevalence of Strokes in India range between 119-145 per lac of population Prevalence higher in Rural areas than Urban areas 1.8 million (18 lacs) people suffer a stroke in India every year Leading cause of Disability apart from being one of the highest causes of death	Salt Intake/Hypertension / Blood Pressure Sedentary Lifestyle Stress

So what are some of the Features of Critical Illness Insurance Plans?

There are quite a few important features of Critical Illness insurance plans that one must note: Critical Illnesses (CI) Defined – The most important feature is that under the CI Plan Coverage, there are defined number of illnesses only covered. All insurance companies provide a list of the illnesses/ailments that are covered so that the applicant will be aware of what’s covered. Kindly note that any ailment/illness other than those named/listed by the insurance company will not be covered. Some important ones that all insurance companies cover include First Heart attack, Cancer, Kidney Failure, Stroke etc.

Survival Period – Every CI policy comes with a survival period benefit, this means that post detection of the critical illness, the insured will need to survive this period in order to ensure the claim becomes payable. This is normally 30 days. Hence for example, if one has suffered a Stroke, he/she will need to survive 30 days and then the claim is payable. This is important to note, so incase the insured unfortunately passes away during the survival period, then there is no claim paid by the insurer.

Single Lump-sum Payment - The insurer pays the sum insured as a single lump sum payment for the treatment of covered illnesses, subject to crossing the survival period. What is important is that since this is a fixed benefit plan, the sum insured is p aid in full, irrespective of the expense incurred. For example, if the Sum Insured of the policy is ₹5 lacs and the treatment expenses are only ₹3 lacs, the entire SI of ₹5 lacs will be paid to the insured.

Simple Claim Processing - The documentation at the time of a claim under the plan is very minimal given that the policy covers defined illnesses/conditions for which supporting documentation needs to be provided for the claim to be settled The claim can be easily settled based on the diagnosis report(s) submitted by the insured.

Income Tax Benefits under a CI Insurance Policy - The policyholder can avail tax deductions under the Income Tax Act, 1961. Tax exemption can be claimed upto ₹15,000 under Section 80D of the Income Tax Act, 1961. Senior citizens can avail tax benefit up to ₹20,000 under the same section.

Loss of Job / Income - Following a critical illness, it is most likely that the insured may need to stay away from work for a period of time or may even have to give up his/her job based on their health condition. Hence the claim is used as an income replacement for the insured.

Policy Termination on Claim Payment – Unlike a regular Indemnity based health insurance plan, in a CI policy, once the claim is settled on detection of a covered critical illness and crossing the survival period, the CI policy will automatically cease to be in force.

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What are the factors to keep in mind while buying a Critical Illness Plan?

There are quite a few factors to keep in mind while investing in a Critical Illness Plan:

Factor to be kept in mind	Remarks
Should you buy a Standalone Critical Illness Insurance Policy or Critical Illness Insurance Rider?	A standalone CI has a higher premium when compared to a rider, since it offers more comprehensive coverage when compared with the latter.
Number of Critical Illnesses Covered (Range from 6 – 40)	The insurance company lists the exact illnesses covered under their plan. Important to note that no other illnesses/ailments will be covered
Sum Insured	There are CI plans which offer coverage for even upto ₹100 lacs, one must opt for an optimum sum insured depending on their age, family history, pre existing medical conditions etc
Age of Insured	This is an important factor which determines the coverage / premium for the CI plan.
Survival Period / Waiting Period	All CI plans come with a survival period, normally 30 days, post which claims are settled. There is also a mandatory waiting period of 30 days from the start of the policy during which no claims are payable at all.
Maximum Entry Age	Each plan has a maximum entry age after which the applicant will not be able to apply for a CI policy, this is normally 60-65 years.

What are some of the key Critical Illnesses Covered?

Some of the most covered Critical Illnesses across the insurance companies in India include:

Cancer
First Heart Attack
Open Heart Coronary Artery Bypass Grafting (CABG)
Open Heart Replacement Or Repair Of Heart Valves
Coma
Kidney Failure
Stroke
Major Organ Transplant
Bone Marrow Transplant
Permanent Paralysis Of Limbs
Motor Neuron Disease
Multiple Sclerosis
Aplastic Anaemia
Bacterial Meningitis
Loss Of Speech
End-Stage Liver Disease
End-Stage Lung Disease
Fulminant Viral Hepatitis
Major Burns
Muscular Dystrophy
Alzheimer’s disease
Aortic surgery
Aplastic anaemia
Benign Brain tumour
Blindness
Deafness
Paralysis
Parkinson’s disease
Severe burns

This list is not an exhaustive list of all covered Critical Illnesses by all insurers. Insurance companies cover different critical illnesses under different plans within their product offerings. Different insurance companies also have a different set of Critical Illnesses they cover…please go through their covered illnesses before deciding on the optimum plan for your requirement.

Health Insurance Plans vs Critical Illness Plans

These type of plans are also known as Fixed Benefit plans (Critical Illness) and Indemnity Based plans (Health Insurance) and the table below highlights the important differences between the two plan from an individual’s perspective. It is recommended that since both these plans are complimentary to each other, every individual should ideally have both plans for their protection.

Critical Illness Plans	Health Insurance Plans
Pays a lumpsum upto Sum Insured on the occurrence of the covered event. Even if the actual expenses are less than the Sum Insured, the amount is settled in full.	Reimbursement/cashless settlement only upto the actual expenses incurred irrespective of the Sum Insured
These plans cover only a limited / fixed set of benefits which are defined in the plan	Most indemnity based health insurance plans offer wide ranging coverage for sickness to the insured
Policy / Plan expires in the event of a claim and the Sum Insured being settled to the insured	Policy continues even after a claim is paid, coverage will remain upto the balance remaining Sum Insured (or back to 100% SI with Restore Benefit plans)
Fixed Benefit plans normally do not have a co-pay or deductible. Full Sum Insured settled to the insured	Indemnity plans have a co-pay / deductible based on the plan chosen by the insured
Some Fixed Benefit Plan like Critical Illness have Survival periods (normally 30 days) after which expenses / SI becomes payable	No Survival Period. Expenses from Day 1 of hospitalisation are payable under this plan.
Premium for these plans are relatively higher	Premiums based on coverage/SI chosen, but cheaper when compared to Fixed Benefit plans
Normally chosen for covering Critical or Life Threatening ailments	Purchased to cover more routine medical expenses following a sickness/accident

The WWWWWH of Critical Illness Cover?

Who Should buy CI?	Ideally everyone needs this policy but let’s look at a few customer profiles: Customer between ages of 35-65 irrespective of family medical history Family patriarchs who are normally the income earners for the family. But ideally all income earners should have this plan Persons with Pre-existing medical conditions like diabetes, hyper tension etc and family history relating to the same Persons working in high pressure business environments which induce stress Women – specifically those who believe they carry a risk of breast cancer
Why Should you buy CI?	Given today’s lifestyle led by most Indians and given that we are unfortunately leaders in the world in terms of diabetes, cardiac issues, hypertension, increasing stress levels, pollution, having a CI policy to protect individuals financially is important
When Should you buy CI?	At the earliest given opportunity, but most definitely if one is in the age group of 35-65 years.
What CI policy Should you buy?	Do a market survey of the products and opt for a plan with the following: Highest number of critical illnesses covered Minimum survival period Optimum Sum Insured supported with competitive premium Financial strength of the insurance company and it’s capability to settle claims promptly Minimum exclusions under the policy
Where should I buy CI from?	If one would like to review and compare all the available CI plans in the market, visit a comparison website like https://www.eindiainsurance.com/ that provides information specific to Critical Illness plans.
How should I buy CI?	Visit the website eindiainsurance and post deciding on the most suitable plan, one can purchase the same online following a simple three step process: Enter your personal details and seek a quote for the required coverage Compare the choose the ideal plan for your requirement Fill in the online application form providing all the necessary details accurately Make a payment through the payment gateway available online – post which the policy will be issued by the insurer

What are the documents that are required to be submitted for a Critical Illness claim?

The Insured will need to submit the below mentioned documents for the processing of Critical Illness Claim:

Identity proof of the claimant
Dully filled Claim form
Copy of Hospital summary/Discharge card/treatment advise / medical reference
Copy of Medical reports/records
Copy of Investigation reports
Doctor’s certificate
Any other relevant document as requested by the Insurer.

On receipt of claim documents from Insured, Insurer shall evaluate the admissibility of claim as per Policy terms and conditions. Upon satisfactory completion of assessment of the claim, the Insurer will make the payment of benefit as per the contract. In case if the claim is repudiated Insurer will inform the Insured about the same in writing with reason for repudiation. Lack of documents or medical certificates confirming the diagnosis of illness or undergoing of medical/surgical procedure will result in forfeiture of the claim.

In the event of any doubt regarding the appropriateness or correctness of the diagnosis, the Insurer shall have the right to call for an examination of the Insured in concurrence with Insured or his legal representative on the evidence used in arriving at such diagnosis, by a Medical Specialist appointed by the Insurer and the opinion of such Specialist as to such diagnosis shall be considered binding on both the Insured and the Insurer.

In the event of death of the Insured post the survival period, the immediate family member/relative of the Insured and claiming on Insured’s behalf must inform Insurer in writing immediately and send Insurer a copy of all the required documents to prove the cause of death within 14 days. Insurer upon acceptance of the admission of claim under the Policy shall make payment to the Insured or Nominee/legal heirs of the Insured, in case of the death of the Insured post the survival period.

Exclusions under the Critical Illness Policy

Some of the major exclusions under the CI policy are as follows. However go through the entire set of exclusions as available in the policy wordings received from the insurance company along with the policy kit.

Benefits will not be available for any Pre- Existing conditions or related condition(s) or any complications arising thereof for which Insured has been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of Insured’s first Policy, unless such a condition is stated in the Proposal form and specifically accepted by the Insurer and endorsed thereon
Insurer shall not be liable to make any payment under this Policy in connection with or in respect of any Insured Event during the Waiting Period as defined under the Policy
Any diseases causing the death of the Insured within the stipulated Survival Period, measured from the date of incidence of the illness
Any medical procedure or treatment, which is not medically necessary or not performed by a Medical Practitioner
Any congenital Illness/Conditions
Any Covered Critical Illness arising from Birth control procedures and/or hormone replacement therapy and any complications arising thereof from
Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery /complications/illness arising as a consequence thereof
Any Covered Critical Illness arising from Treatment by a family member and self medication or any treatment that is NOT scientifically recognized and any complications arising thereof / there from
Attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness
Sexually transmitted conditions, mental or nervous disorder, , Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
Use/Abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Medical Practitioner and taken as prescribed
War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
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 motorized 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 Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which Insured is untrained
Failure to seek or follow medical advice following the diagnosis of any illness/disease/injury
Serving in any branch of the Military or Armed Forces of any country, whether in peace or War
Participation in a criminal or unlawful act with a 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
Genetic disorders and stem cell implantation / surgery/storage

Critical Illness Mediclaim

Star Health

Star Criticare Plus insurance cover for 9 specified critical illness.

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Max Bupa

Criticare may be availed by an Individual or a Family (of 2 adults) on a Floater Basis.

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Care(formerly Religare)

CCare(formerly Religare) health insurance has designed - a comprehensive cover for as many as 20 Critical Illnesses along with Personal Accident cover.

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Reliance

Reliance Critical Illness policy will offer you the health coverage for 10 critical illness.

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Bajaj Allianz

A critical illness plan means you can insure yourself against the risk of serious illness in much the same way as you insure your vehicles.

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TATA AIG

CritiCare is a Critical Illness insurance policy, which provides coverage for a set of 11 Critical Illnesses & Surgeries

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Future Generali

Future Criticare offers a Monetary Lumpsum Cash benefit if the insured is detected with a Critical Illness and this plan covers 12 Critical Illnesses.

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IFFCO Tokio

Most illnesses arrive unannounced and on today’s day and age, critical illnesses seem to be more prevalent than ever.

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HDFC ERGO

HDFC ERGO offers Lump Sum Benefit on first diagnosis any of 8 critical Illnesses

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Cholamandalam

Chola Critical Healthline Insurance is a fixed benefits plan offering coverage for a specific list of critical illness.

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SBI General

The Critical Illness Insurance Policy of SBI General covers you against thirteen major critical diseases.

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ManipalCigna

ManipalCigna Lifestyle Protection-Critical Care offers you payment of the entire Sum Insured on first diagnosis of 15 or 30 major illnesses and procedures.

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Universal Sompo

Universal Sompo can help in reducing financial burden and concentrate on getting better treatment on diagnosis with Critical Illness.

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TATA AIG	Bajaj Allianz	Max Bupa	Care(formerly Religare)	Reliance	Cholamandalam	SBI General	Universal Sompo	HDFC ERGO	IFFCO Tokio	Star	Future Generali	ManipalCigna
BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW	BUY NOW
Brochure
Brochure	Brochure	Brochure	Brochure	Brochure	Brochure	Brochure	Brochure	Brochure	Brochure	Brochure	Brochure	Brochure
Sum Insured (SI)
Minimum SI - 2.5lakhs Maximum SI - 15 lakhs	SI available from 1,00,000 to Rs. 50,00,000	3 to 300 Lacs	10 Lacs \| 25 Lacs \| 50 Lacs \| 1 Crore \| 2 Crore	SI to choose between Rs. 5 Lacs, 7 Lacs and 10 Lacs.	Flexible SI (3 / 5 / 10)Lacs	SI available up to Rs. 50 lacs	Rs. 250000,Rs. 500000, Rs. 750000, Rs. 1000000, Rs. 1250000, Rs. 1500000, Rs. 1750000, Rs. 2000000	SI available from ₹100,000 to ₹50,00,000	-	2 to 10 Lacs	1 to 20 Lacs	Up to Rs. 3 Crores
Coverage Type
Individual	-	Individual Family floater option	Individual : Maximum up to 6 Persons	-	Individual, spouse and dependent children	-	Individual	-	Individual	Individual	Individual, spouse and dependent children	Individual & Family Basis
Policy Term
1 year	1 year	1 year, 2 years or 3 years	1 year / 2 years / 3years	1 year and 3 years.	-	2 plan options - 1 year and 3 years	1 year	1 and 2 years	-	1 year	-	1 Year, 2 Years and 3 Years
Eligibility Criteria
Age 18 - 65 years.	Proposer: 18-65 years Children: 6-21 years	18 to 65 years (Maximum 2 children covered)	5 years to 50 Years on Individual Basis	18 yrs and above.	Self / Spouse: 18-65 Years Upto 3 Children: 05-65 Years	18 - 65 years	Age: 18-65 years Children: 5 – 25 years	Age 5 - 65 years	Adults : 18 – 65 years, Children : 6 years to 25 years	Age 18 - 65 years
Renewal Period
Lifelong renewal	Lifelong renewal	Lifelong renewal	Lifelong renewal	-	Lifelong renewal	Lifelong renewal	Lifelong renewal	Lifetime renewal	-	Lifetime renewal	Lifelong renewal	Lifelong renewal
Critical Illness Covered
11 critical illness are covered	10 critical illness are covered	20 critical illness are covered	32 critical illness are covered	10 critical illness are covered	Standard Plan: Covers 10 listed critical illnesses Advanced Plan: Covers 12 listed critical illnesses plus ambulance charges of up to ₹1000.	13 critical illness are covered	Cancer of specified severity Multiple sclerosis with persisting symptoms First heart attack of specified severity Open chest coronary artery bypass grafting Motor neuron disease with permanent symptoms Coma of specified severity Major organ/bone marrow transplant Kidney failure requiring dialysis Stroke resulting in permanent symptoms	15 critical illness are covered	-	-	12 critical illness are covered	30 critical illness are covered
Pre-existing Waiting Period
48 months	-	48 months	4 years	-	4 years	-	4 years	-	-	48 months	-	-
General Waiting Period
90 Days from the inception of the policy 30 days or more, from the date of diagnosis	90 Days	90 Days	90 Days	90 Days	90 Days	90 Days	90 Days	-	90 Days	90 Days	90 Days	-
Income Tax Benefit
Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.	Section 80 D of the Income Tax.
Free Look Period
15 Days	15 Days	15 days to review the policy/30 days in case of 3-year policy	-	-	15 Days	15 Days	15 Days	15 Days		15 Days	15 Days	-
Grace Period (from the date of expiry to renew the policy)
30 Days	30 Days	-	-	-	30 Days	-	30 Days	-	30 Days	30 Days	30 Days	-

FAQ’s regarding the Critical Illness Policy

What is Critical Illness Policy? What does it cover?

Critical Illness is a stand-alone or rider plan, which covers a defined list of critical illness, which on detection will pay the sum insured/policy benefit as a one time lumpsum to the insured, subject to the crossing the defined survival period. It normally covers illnesses like first heart attack, cancer, multiple sclerosis, stroke, paralysis, kidney failure, Alzheimer’s etc.

What is a Survival Period?

This is the minimum defined period that the insured will need to survive after being detected with a covered critical illness. The insured is eligible for the policy benefit only on surviving this period. It is normally 30 days.

Why does one need Critical Illness Insurance Cover?

Given today’s lifestyle led by most Indians and given that we are unfortunately leaders in the world in terms of diabetes, cardiac issues, hypertension, increasing stress levels, pollution, having a CI policy to protect individuals financially is important. It is also important to note that the cost of treatment of such an illness is very high and could financially put an individual/family at financial risk to treat such an illness, this is where such a policy comes in handy.

What are the documents required to apply for a critical illness policy?

One will need to submit age proof, address proof, income and identity proof while applying for this plan. Basis this application and the coverage opted for, the insurer may require a pre policy medical check up (PPC). The insurer may call for additional documents on a case to case basis.

What do I need to consider while buying a CI plan?

Ideally review the following 1) Highest number of critical illnesses covered, 2) Minimum survival period, 3) Optimum Sum Insured supported with competitive premium, 4) Financial strength of the insurance company and it’s capability to settle claims promptly and 5) Minimum exclusions under the policy while choosing an appropriate plan.

How much Critical Illness coverage do I need?

This depends entire on Your age, number of dependents in the family, lifestyle pattern, city of residence, annual income and stability of job/income are important aspects to consider when determining the appropriate coverage required.

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Buyers can review and compare the critical illness benefits provided by different Indian insurance products.