Not Getting Health Insurance due to Critical Illness?

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What is Critical Illness Insurance?

A Critical Illness Insurance policy covers the insured against life-threatening critical diseases such as cancer, heart attack, renal failure etc.This Critical Illness Policy provides a lump sum coverage amount that can cover exorbitant medical expenses for critical illnesses as covered under the insurance policy.

Features of Critical Illness Insurance Plans

Critical illness insurance policy provides with wide range of benefits. Some of the features are mentioned below:

Critial illness coverage

Coverage is provided for up to 36 major critical illnesses such as a tumour, cancer, kidney failure, heart ailments etc.

Lump-sum Payment

The insurer provides the lump sum payment for the treatment of covered illnesses.

Easy Claim Processing-

The claim can be easily processed based on the diagnosis report(s).

Waiting Period

Usually, the coverage is provided after the end of the waiting period.

Loss of Income

A part of the lump sum can be used as an income replacement.

What does Critical illness insurance not cover?

Safeguards your finances

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Safeguards your finances

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Safeguards your finances

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FAQ’s for Critical illness Health Insurance Policy

Here are frequently asked questions related to critical illness health insurance plans in India.

1. What is a Critical Illness Insurance?

Critical Illness Insurance is a policy that pays out a lump sum amount upto the sum insured upon diagnosis of a critical illness covered under the policy.

2. Why should I purchase Critical Illness Insurance?

Critical Illness Insurance provides you and your family, the additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which could be used for: costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.

3. What is a Benefit Policy?

Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.

4. What are the benefits under this policy?

The company will pay the sum insured as lump-sum on first diagnosis of any of the Critical Illnessess stated in the policy, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following Critical Illnesses are covered under our plan:- 1. Heart Attack (Myocardial Infarction) 2. Coronary Artery Bypass Surgery 3. Stroke 4. Cancer 5. Kidney Failure 6. Major Organ Transplantation 7. Multiple Sclerosis 8. Paralysis

5. What are the available plans under this policy?

You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.

6. Is there any eligibility criteria for purchasing this policy?

Critical Illness policy covers individuals in the age group of 5 years to 65 years.

7. Do I need to undergo medical tests to enroll myself for this policy?

No pre-policy medical check up is required for individuals upto 45 years.

8. What kind of documentation is required?

The best part of this policy is that you do not require to submit any documentation. Simply fill the details online and make payment via multiple secured payment modes. In case of a pre-existing disease, you might have to submit relevant medical documents.

9. Is there any tax exemption under the policy?

You can avail upto ^^Rs.50,000 as tax benefit under ‘Section 80 D’.

10. What do you mean by pre-existing Diseases?

Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within 48 months prior to your first policy with the company is termed as pre-existing diseases.

11. What is meant by disease?

Disease means a pathological condition of a part, organ, or system resulting from various causes, such as infection, pathological process, or environmental stress, and characterized by an identifiable group of signs or symptoms.

12. Can I make multiple claims for same or any other listed Critical illnesses?

No, you can make only one claim during the lifetime of the policy.

13. Whom to contact in case of claim?

In case of a claim under the Policy, you should immediately intimate us on our helpline numbers. On receipt of the intimation, we would register the claim and assign a unique claim reference number which would be communicated to the Insured which may be used for all future correspondence.

Get In Touch with Critical illness Health Insurance Expert

To know more about Critical illness Health Insurance policy and to clear your queries get in touch with our health team.