CRITICAL ILLNESS INSURANCE

"AMFI-Registered Mutual Fund Distributor"

30 Min Free Consultation 1 Hour Paid Consultation Client Login

Page Title

Home / CRITICAL ILLNESS INSURANCE

Critical Illness Insurance

Critical Illness cover is also a very important part of your Insurance planning and has to be in place as the risk of falling prey to lifestyle diseases has increased drastically. As per the recent research, one out of four Indians is at risk of dying because of critical illnesses like cardiovascular ailments, cancer, etc

A Critical Illness plan is a health insurance plan and has a fixed or defined benefit plan which pays a fixed and lump sum amount, equal to the sum insured to be given to policyholder on acquiring a serious ailment such as cancer, stroke, etc as per the policy terms and conditions. This amount can be used for paying for the cost of care and treatment, recuperation expense, and even pay off any debt if taken. The Hospitalization expenses can be claimed from your normal Mediclaim/Health insurance policy But the Critical illness plan will pay the full sum insured separately to the policyholder.

Link Name

The important condition which needs to fulfill is that the insured person needs to survive for 30 successive days after the diagnosis of the critical illness in order to make the claim.


Critical Illness Policy Covered*


  • Cancer up to specified stage
  • Heart Attack (first time)
  • Open heart coronary artery bypass grafting
  • Open heart replacement or repair of heart valves
  • Coma of specified severity
  • Kidney failure that requires regular dialysis
  • Stroke
  • Major organ transplant
  • Bone marrow transplant
  • Permanent paralysis of limbs
  • Motor neuron disease, also known as amyotrophic lateral sclerosis (ALS)
  • Multiple Sclerosis
  • Aplastic Anemia
  • Bacterial Meningitis
  • Loss of Speech
  • End-stage Liver disease
  • Deafness
  • End-stage lung disease
  • Fulminant viral hepatitis
  • Major burns
  • Muscular Dystrophy

Benefits of Critical Illness


  • Lump-Sum Payment
  • Critical Disease Coverage
  • Convenient, Fast & Easy Claim Process
  • Cashless Facility Option
  • Loss of Income Option
  • Protection against Disability
  • Tax Benefits

DISCLAIMER:- This list is only indicative and not exhaustive. Insurance companies cover various critical illnesses under different critical illness insurance policies.