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.