Critical Illness
Critical Illness Insurance offers a lump sum payout to help manage expenses in the event of a major health diagnosis like cancer, stroke, or heart attack.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Get the Financial Backing You Need with Critical Illness Insurance
Plans starting at ₹500/month.
Definition
Critical Illness Insurance is specifically designed to provide financial support when diagnosed with a serious illness. It offers a lump sum payout upon diagnosis of illnesses like cancer, heart attack, stroke, and others, helping to ease the financial burden during challenging health situations.
How does it work?
You pay a premium for coverage of specified critical illnesses. If diagnosed with any of the covered illnesses, the policy provides a one-time, lump-sum payment. This financial support can be used for treatment costs, daily expenses, or any other financial needs during the illness. Understanding policy terms and coverage limits is key.
What’s Covered
Specific Illnessesdefined illnesses such as cancer, heart attacks, strokes, organ transplants, and more.Second MedicalOpinion coverage for expenses incurred in obtaining a second opinion for a critical illness diagnosis.
What’s Not Covered
Pre-existing Conditions illnesses that were present or diagnosed before taking the policy.Non-Disclosed Medical History exclusion for illnesses arising from medical conditions not disclosed at the time of policy initiation.Certain Illnesses some policies may exclude certain types of cancers or illnesses in early stages.
Lifestyle-Related Illnesses related to lifestyle choices like smoking or alcohol abuse, subject to policy terms.
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