Critical Illness Insurance

Financial protection against life-threatening diseases

Critical illness insurance provides lump sum payout upon diagnosis of specified critical illnesses, offering financial support during treatment and recovery periods.

Lump sum payout on diagnosis
Coverage for 30+ critical illnesses
No restriction on fund usage
Available as standalone or rider

Key Benefits

Lump Sum Benefit

Receive entire sum assured as lump sum upon diagnosis of covered critical illness

Financial Freedom

Use the payout for treatment, income replacement, or any other financial needs

Comprehensive Coverage

Covers major critical illnesses including cancer, heart attack, and stroke

Additional Protection

Works alongside regular health insurance for enhanced financial security

Critical Illnesses Covered

  • Cancer (all stages and types)
  • Heart attack and cardiac surgeries
  • Stroke and brain hemorrhage
  • Kidney failure requiring dialysis
  • Major organ transplants
  • Paralysis and motor neuron disease
  • Multiple sclerosis
  • Alzheimer's disease and dementia
  • Parkinson's disease
  • Blindness and loss of limbs

What's Not Covered

  • Pre-existing critical illnesses
  • Self-inflicted injuries
  • Drug and alcohol abuse related conditions
  • HIV/AIDS related illnesses
  • Genetic disorders (some policies)
  • War and nuclear risks
  • Experimental treatments
  • Non-invasive cancers (some policies)
  • Mental illness and psychiatric disorders
  • Suicide attempts

Eligibility Criteria

Minimum Age18 years
Maximum Age65 years
Renewal AgeUp to 75 years
Waiting Period
90 days for most illnesses, 2 years for specific conditions

Required Documents

  • 1
    Completed proposal form
  • 2
    Age and identity proof
  • 3
    Income proof documents
  • 4
    Medical examination reports
  • 5
    Family medical history details
  • 6
    Lifestyle and occupation details
  • 7
    Previous insurance policy details
  • 8
    Bank account information

Claim Process

Simple steps to understand the claim filing process

1

Diagnosis Confirmation

Get critical illness diagnosed by qualified medical practitioner

2

Claim Intimation

Inform insurance company about diagnosis within specified time

3

Document Submission

Submit medical reports, diagnostic tests, and claim form

4

Medical Review

Insurance company's medical board reviews the case

5

Survival Period

Complete survival period (usually 30 days) after diagnosis

6

Claim Payout

Receive lump sum amount after claim approval

Frequently Asked Questions

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