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Critical Illness Health Insurance

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.
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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.
img Compare and Buy Mediclaim Insurance India Insurance buyers can review and compare the benefits provided by different Indian mediclaim insurance products.
img Compare Critical Illness Plans Buyers can review and compare the critical illness benefits provided by different Indian insurance products.

Critical Illness Mediclaim

CritiCare is a Critical Illness insurance policy, which provides coverage for a set of 11 Critical Illnesses & Surgeries
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.
Health Assurance covers as many as 20 Critical illness and provides guaranteed cash benefit equivalent to sum insured on diagnosis.
Religare health insurance has designed - a comprehensive cover for as many as 20 Critical Illnesses along with Personal Accident cover
Reliance Critical Illness policy will offer you the health coverage for 10 critical illness.
Chola Critical Healthline Insurance is a fixed benefits plan offering coverage for a specific list of critical illness.
HDFC ERGO offers Lump Sum Benefit on first diagnosis any of 8 critical Illnesses
Universal Sompo can help in reducing financial burden and concentrate on getting better treatment on diagnosis with Critical Illness.
SBI
The Critical Illness Insurance Policy of SBI General covers you against thirteen major critical diseases.
Most illnesses arrive unannounced and on today’s day and age, critical illnesses seem to be more prevalent than ever.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022