You can’t control hospital bills, But you can get covered against critical illnesses. A critical illness insurance cover, often referred in laymen language as Critical Illness Insurance, refers to the insurance benefits you receive to deal with life-threatening critical illnesses and various lifestyle diseases.
Critical Illness Plan
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What Is A Critical Illness Plan
This plan is especially designed to treat certain specific illnesses. With lifestyle diseases on the rise, covering yourself against these illnesses has become imperative. As treating these can be an expensive affair, especially for a middle-class family buying critical insurance, you can mitigate those expenses up to an extent. On the detection of an illness, it pays a pre-decided amount towards treatment irrespective of pre-or post-hospitalization expenses The major diseases that are covered most of the critical illness plans include:
- Major organ transplant
- Cancer
- Stroke
- Surgery
- Multiple sclerosis
- Kidney failure
- Paralysis
- Coronary artery bypass surgery
- First heart attack
What does Critical Illness Plan cover?
- In-Patient Hospitalization expenses
- Ambulance Charges
- Cover for ICU Charges
- Day Care Procedures
- OPD Cover
- Annual Health charges
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Bangalore, Karnataka
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How Critical illness plan works
A critical illness plan works differently from a Mediclaim plan. This is a health insurance plan that pays a lump sum amount, equal to the sum insured, to the insured on acquiring a serious aliment such as cancer or a stroke. A Critical illness cover provides a lump sum benefit which can pay for the cost of care and treatment, recuperation expense and even pay off any debt if taken. Regardless of your hospital expenses, the insurer pays the full sum insured.Critical illness plans are therefore defined-benefit plans as the pay-out is defined and fixed. It does not matter if one holds more than one Critical illness cover as every such policy pays. A Mediclaim on the other hand is an indemnity plan which reimburses the expenses incurred.
Family Floater Plan
Policy to safeguard health of your entire family
Senior Citizens Health Insurance
Financial coverage for medical expenses for citizens over 60
Mediclaim Insurance
Insurance that reimburses your treatment costs in the event of an illness
Unit Linked Health Plan
ULIP - Providing the benefits of both insurance and investment in a single plan
Importance of Critical Illness Plan
Due to the sedentary lifestyle, even younger people are suffering from life-threatening diseases or critical ailments. According to insurance estimates, 40% of heart patients in India belong to the age group of 25-35 years. The cases of critical illnesses like cancer, lung diseases, and other chronic health ailments are rising which are not only costly to treat but also lead to a financial loss in case the breadwinner of a family is diagnosed with a problem. Also, those who do have a health insurance are not adequately covered as the regular health insurance policy only takes care of hospitalization costs. What about household expenses, loan EMI, children school fees, which may also arise in case the patient takes a break from work? Here, a critical illness insurance policy helps. Contact us to know more.
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Treatment Coverage
It covers critical illnesses only, as mentioned in the policy. The policy pays a lump sum on diagnosis of a critical illness, irrespective of the fact that whether the treatment takes place in the country or not. A lump sum benefit is paid on diagnosis of a critical ailment, irrespective of the medical expenses incurred. The policy ceases to exist once the benefit is paid out.
No End-Usage Restriction
Unlike health insurance policies, you are free to use the claim money as you want. Therefore, you can use the sum to seek high-quality treatment in a premier healthcare institution or to meet any other requirements. The insurance provider does not enforce any control over your use of the sum insured.
Substitutes Your Income
Suppose you suffer a stroke and undergo partial paralysis on the left side of your body. Under such a circumstance, it would be impossible for you to work and earn your living. If you have a substantial critical illness cover, though, you can claim the sum insured and use that money to pay for treatment and sustenance as well.
Peace of Mind
With a critical illness policy, you can concentrate on the quality of treatment and recovery, rather than stressing over the financial aspect.
Peace of Mind
With a critical illness policy, you can concentrate on the quality of treatment and recovery, rather than stressing over the financial aspect.
Peace of Mind
With a critical illness policy, you can concentrate on the quality of treatment and recovery, rather than stressing over the financial aspect.
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