Critical Illness Insurance

Critical Illness Health Insurance Plans

After carefully analysing the exclusive benefits and other vital USPs of each of the plans, we have listed the best critical illness plans that you can choose for you or your family.

Name Of Plans	Entry Age	Sum Insured	Best Features	Premiums (approx.)
Care Heart Plan	Minimum- 18 Years Maximum- No Limit	Upto INR 10 Lakh	Covers major heart ailments	INR 1,183 Per month View Plan
Care Freedom Plan	Minimum- 90 Days Maximum- No Limit	Upto INR 5 Lakh	Covers diabetes and dialysis costs	INR 5,653 Per month View Plan
Star Cardiac Care Plan	Minimum- 10 Years Maximum- 65 years	Upto INR 4 Lakh	Covers major heart illness	INR 1,225 Per month View Plan
Star Cancer Care Platinum Insurance Policy	Minimum- 5 months Maximum- 65 years	Upto INR 10 Lakh	Covers all types of cancer	INR 1,349 Per month View Plan
Star Critical Illness Multipay Insurance Policy	Minimum- 18 years Maximum- 65 years	Upto INR 25 Lakh	Covers Cancer-related treatments Heart-related conditions Brain & nervous system-related conditions Major organ and other conditions	INR 1,534 Per month View Plan
Star Special Care	Minimum- 3 years Maximum- 25 years (who are diagnosed with Autism)	Upto INR 3 Lakh	Covers Autism	INR 4800 Per month View Plan
Niva Bupa CritiCare	Minimum- 18 years Maximum- 65 years	Upto INR 3 Crore	Covers up to 20 diseases	INR 1044 Per month View Plan
ManipalCigna ProHealth Prime	Minimum- 91 days Maximum- No Limit	Upto INR 1 Crore	Covers all kinds of critical illnesses	INR 919 Per month View Plan
Aditya Birla Activ Secure Critical Illness	Minimum- 5 years Maximum- 65 Years	Upto INR 1 Crore	Covers cancer, kidney failure, and heart diseases	INR 668 Per month View Plan
SBI Critical Illness Insurance Plan	Minimum- 18 years Maximum- 65 Years	Upto INR 10 Lakh	Covers 13 major critical illnesses	INR 588 Per month View Plan

What is Critical Illness?

Talking about critical illness then, you might have heard about diseases like paralysis, cancer, organ failure, stroke, sclerosis, and heart attack. These illnesses affect major organs of our body like the brain, heart, lungs, kidneys, and liver. Treating these illnesses might take some time. And we all know that medical treatment costs are very high nowadays. Moreover, if you keep yourself healthy then there is a lesser chance of problems. Still, it is suggested that one should have critical illness insurance for a safer side, especially for people living in tier 1 cities, where both living and medical costs are generally higher than other places.

How A Health Insurance Policy Can Help You?

Having a health insurance policy for critical illness can be highly beneficial. Now we will explain to you how each plan is good for you and can support you in case of any unforeseen critical illness.

1. Care Heart Plan

   Care Heart Plan are specifically designed for patients who are at a higher risk of heart problems. So, if you are someone who has a family history of heart disease or those who have already been diagnosed with heart conditions, this plan is perfect for you.

   Features and Benefits Of Plan

   Salient Features of Care Heart Plan

   • Life-long renewability
   • No claim bonus
   • Annual cardiac health check-up
   • OPD coverage

   Benefits You Can't Miss

   • You will get in-patient care hospitalisation for at least 24 hours.
   • The cost of an ambulance in an emergency will also be covered.
   • You can opt for alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) will also be covered in the plan.
   • All the treatments and surgeries if required, will be covered in the plan.

2. Care Freedom Plan

   Another amazing plan by Care General Insurance. Care freedom plan is a curated tailored plan for people suffering from problems like diabetes, high blood pressure, and BMI.

   Features and Benefits Of Plan

   Salient Features of Care Freedom Plan

   • Only 2-year waiting period
   • Cashless for critical illness treatment
   • Life-long renewability
   • Daycare treatment
   • Tax benefits

   Benefits You Can't Miss

   • You will get an annual health check-up.
   • Covers domicialiry hospitalisation.
   • Covers dialysis, by paying up to an amount per sitting, payable up to 24 months.
   • No room limit on room rent.

3. Star Cardiac Care Plan

   Star Health Insurance has launched this plan to give extensive coverage to heart patients. You can choose your coverage from two variants - Gold and Silver. So do not let heart concerns steal your peace, and get the Star Cardiac Care plan at ease.

   Features and Benefits Of Plan

   Salient Features of Star Cardiac Care Plan

   • Lifelong renewal benefit
   • Installment facility available
   • 30 days general waiting period
   • Daycare treatment cover

   Benefits You Can't Miss

   • Free health checkups every year.
   • No copayment with this plan.
   • Higher sum insured options.

4. Star Cancer Care Platinum Insurance Policy

   Another bestselling plan for critical illness by Star Health Insurance is made to give you extra coverage during the hard times. Star Cancer Care Platinum Insurance plan ensures that your family is financially prepared for the tough battle against the deadly cancer.

   Features and Benefits Of Plan

   Salient Features of Star Cancer Care Platinum Policy

   • Indemnity plan that covers cancer along with other critical diseases
   • Covers the cost of health check-ups for every claim-free year
   • Covers modern treatment
   • This plan also covers pre and post-hospitalisation

   Benefits You Can't Miss

   • You can go for a second opinion and will be covered in the plan.
   • Get benefits by just staying healthy.
   • Get coverage for pain management treatments.
   • No need for pre-medical tests, irrespective of age.

5. Star Critical Illness Multipay Insurance Policy

   Star Critical Illness Multipay Insurance Plan that covers 37 different major life-threatening diseases. In some variants, you may receive a pre-defined percentage of the sum insured upon diagnosis of the first critical illness. Anyone aged between 18 to 65 years can get insured with this policy.

   Features and Benefits Of Plan

   Salient Features of Star Critical Illness Multipay Plan

   • It is an individual policy only
   • Star wellness program to motivate you to stay healthy
   • Installment facility available
   • Available for 1, 2, and 3-year tenure

   Benefits You Can't Miss

   • Covers 37 critical diseases.
   • Gives you coverage for cancer, heart ailment, and nervous system-related diseases.
   • High sum insured, up to INR 25 Lakhs.

6. Star Special Care

   Star Special Care is a very unique plan, tailor-made for people dealing with Autism. This is an individual plan, you can buy it yourself or your child and safeguard them from any hardship they might have to deal with later on. Though you need to serve a waiting period, it can safeguard you for a lifetime.

   Features and Benefits Of Plan

   Salient Features of Star Special Care

   • An affordable plan for 3 to 25 years
   • Only a 30-day waiting period
   • Available as an individual plan
   • Covers room rent in case you need to get hospitalised

   Benefits You Can't Miss

   • Gives coverage for behavioural therapy.
   • Cashless facilities are available.
   • Coverage for modern treatment.
   • Covers the cost of surgery, anaesthesia, and much more.

7. Niva Bupa CritiCare

   A high-value plan by Niva Bupa, CritiCare covers 20 different critical illnesses. Niva Bupa CritiCare Plan covers people of age between 18 years to 65 years and gives coverage up to INR 2 Crore. It is curated for those who are diagnosed with any of the mentioned critical illnesses.

   Features and Benefits Of Plan

   Salient Features of Niva Bupa CritiCare

   • 2 options for coverage, individual and family
   • Get exciting discounts every year when renewing your policy
   • Direct claim settlement
   • Higher sum insured of up to INR 3 Crore

   Benefits You Can't Miss

   • Several pay-out options to choose from.
   • Policy tenure can be 1, 2 or 3 years.
   • Your sum insured will be multiplied as per the annual income.

8. ManipalCigna ProHealth Prime

   A comprehensive yet flexible health insurance plan that offers better coverage, control, and care to the insured. ManipalCigna ProHealth Prime provides customized benefits with optional coverage suitable for every policyholder.

   Features and Benefits Of Plan

   Salient Features of ManipalCigna ProHealth Prime

   • Covers OPD expenses
   • Zero deduction towards non-medical expenses
   • Annual health check-ups

   Benefits You Can't Miss

   • Stay healthy and complete the defined steps to earn up to 20% of your base premium every year.
   • Choose any room you want for the treatment.
   • Covers AYUSH treatment.
   • Get a domestic second opinion if you want and be covered.

9. Aditya Birla Activ Secure Critical Illness

   The plan aims to protect your future after you are diagnosed with critical illness. Aditya Birla Activ Secure Critical Illness Plan gives coverage against 64 major illnesses and a sum insured of up to INR 1 Crore.

   Features and Benefits Of Plan

   Salient Features of Aditya Birla Activ Secure Critical Illness

   • Air ambulance coverage
   • Coverage for emergency road ambulance
   • Day care treatment
   • One plan for all diseases'

   Benefits You Can't Miss

   • 3 variants of the critical illness plan - Plan 1 which covers 20 critical illnesses, Plan 2 which covers 50 critical illnesses, and Plan 3 which covers 64 critical illnesses.
   • Tax benefits under section 80D.
   • You can opt for this plan for yourself, your spouse, up to 4 children, up to 2 parents and 2 parents-in-laws.
   • Covers the charges of the wellness coach and second e-opinion.

10. SBI Critical Illness Insurance Plan

    SBI Critical Illness plan by the most trusted organisation in India, State Bank of India. The plan offers financial protection for 13 relevant critical illnesses. It helps you to focus on other important things related to health, like getting quality healthcare and quick recovery.

    Features and Benefits Of Plan

    Salient Features of SBI Critical Illness Insurance

    • Covers 13 critical illnesses
    • 1 and 3-year tenure options
    • Free look period of 15 days
    • Sum insured up to INR 50 Lakhs

    Benefits You Can't Miss

    • You will get 30 days grace period.
    • Save tax under section 80D.
    • Easy claim reimbursement procedure.

Who Should Buy A Critical Illness Policy?

Although anyone can buy a critical illness health insurance plan, we suggest you to buy the critical illness insurance plan if:

• You belong to a family having a history of critical illness.
• You are the only earning member of the family.
• You are working in a high-risk job.
• You are above 40 years of age.
• You have undergone cardiac surgery.