Health Insurance VS Critical Illness Cover
  • Best Critical Illness Health Plans
  • Best Health Insurance Plans
  • Critical illness and health insurance difference
Health Insurance VS Critical Illness Cover
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Health Insurance And Critical Illness Cover: An Introduction

In today's world, it is a well-known fact that investing in versatile health insurance is a necessity. However, what happens when you are diagnosed with a life-threatening ailment such as cancer or heart disease? This is when a critical illness health insurance plays an important role.

Health insurance and critical illness insurance are two categories of insurance. The goal of both types of health coverage is to safeguard you and your family from hefty medical bills.

But wait, how do you choose which type of health insurance is the best for you?

This article discusses in detail the differences between health insurance and critical illness coverage. From features and premiums to the claim filing process, we talk about everything. Keep reading to find out which one is the best option for you.

Why Are Health Insurance Plans Insufficient In Covering Critical Illnesses?

The assumption that your health insurance plan can cover you against major life-threatening ailments is dangerous. An individual or family floater health insurance is your best bet against hospitalisation expenses, OPD consultations, daycare procedures, etc. Critical illness health insurance serves a different purpose.

Let us understand the major differences between the two:

Health Insurance Critical Illness Insurance
They are indemnity plans, meaning you have to file a claim request for every hospitalisation It offers a lump sum amount as soon as you are diagnosed with a critical ailment
Best for hospitalisation, daycare treatments, OPD expenses, accident cover, etc. Best suited for covering life-threatening ailments like Cancer of different kinds, Heart ailments, Strokes, etc.
No survival period clause The survival period applies to critical illness health policy meaning the insured individual must survive for 30 days after being diagnosed with a critical illness
Health insurance plans offer comprehensive coverage for all kinds of hospitalisations and treatments, leading to slightly higher premiums Critical illness policy covers you against a set list of critical illnesses leading to slightly lower premiums
Most general health insurance plans are not issued to individuals with pre-existing health conditions like cancer, heart ailments, etc. A critical illness health plan will cover you despite major critical illnesses after a specific waiting periodl

Top 5 Health Insurance Plans in India

Listed below are our top picks for health insurance plans in India.

Health Insurance Plans Sum Insured Why Do We Like It?
Star Comprehensive Health Plan INR 5 L to 1 Crore Versatile features like maternity cover and free health check-ups included
Niva Bupa Aspire INR 3 L to 1 Crore Global coverage, M-iracle feature for women, and more
Care Advantage INR 25 L to 6 Crore Unlimited E-consultations, Automatic Recharge, Global Coverage
ManipalCigna Pro Health INR 2.5 L to 1 Crore Hospital cash benefits, global emergency coverage, and medical inflation protection are available
Aditya Birla ActivHealth Platinum Enhanced INR 2 L to 2 Crore Mental illness coverage, wellness cover, health coach

Top 5 Critical Illness Insurance Plans In India

Listed below are our favourite picks for critical illness insurance plans in India.

Critical Insurance Plans Sum Insured Why Do We Like It?
Care Heart Plan INR 3 to 10 L Knee Replacement surgery cover, Cardiac health check-ups, Automatic recharge
Star Cancer Care Platinum Insurance Policy INR 5 to 10 L ICU Cover, Cataract Cover, Hospice Care
NivaBupa Criticare INR 3 L to 2 Crore Cancer Cover, Heart Attack Cover, Permanent Paralysis of limbs
Star Cardiac Care Plan INR 3 and 4 L Accidents and Non-cardiac ailments cover, Outpatient medical expenses, and Modern treatments cover
Star Critical Illness Multipay Policy INR 5 L to 25 L Star wellness cover, cancer cover, Brain and nervous system cover

Health Insurance Vs Critical Illness Insurance: Which Is The Right Plan For Me?

While there are several health insurance options out there in the market, one must be aware of their medical needs and requirements. A purchase decision for a health insurance plan or critical illness plan for yourself must be made on the following parameters:

  • Consider your family history of critical illnesses like cancer, heart attacks, etc. and opt for critical illness health insurance as compared to a general health insurance plan in such a situation.
  • If you have suffered any major ailment such as bypass surgeries, a critical illness plan is your best bet as the insurance plan will cover you for the same after you serve a specified waiting period.
  • If you are in the pink of your health and are only looking for a comprehensive health plan look for the best health insurance plans.
  • Consider a health insurance plan for yourself if you are in your early or mid-20s as there is a lower chance of developing a critical illness ailment.

However, remember one thing no matter which health insurance category you opt for, you are eligible to avail of tax benefits under section 80D for both.

How To File Health Insurance Claim?

  • There are 2 ways to file a health insurance claim, it can either be a cashless claim or a reimbursement claim.
  • You can raise a cashless claim when you avail of hospitalisation or medical treatments on the network hospital of your insurance provider. In this case, the network hospital will settle the hospital bill directly with your health insurance provider
  • Simply inform the TPA desk in your network hospital and fill out the claim settlement form along with attaching all the necessary documents.
  • After the health insurer verifies the submitted form and documents, they will settle your claim.
Check Health Insurance Premium
Check Health Insurance Premium

How To File A Critical Illness Insurance Claim?

  • If you are diagnosed with a critical illness, you are required to serve a survival period after which you can file a claim with your health insurance provider.
  • Fill in your claim request along with the necessary documents like diagnostic tests, doctor's prescriptions, and others.
  • Your critical illness provider will verify the submitted documents.
  • After the claim request is approved, you will receive a lump sum amount which you can use for availing treatments for the same.

Wrapping It Up

A health complication can arise anytime, it does not ask for permission before entering your life. It is a well-known fact that a health insurance plan is a financial support system that helps you on your road to recovery.

A critical illness plan and a health insurance plan are two sides of the same coin. Both categories serve the purpose of protecting you financially from the hefty medical bills.

Choosing between the two may be confusing but you must consider your needs and requirements before doing the same. Get in touch with our insurance experts today to find the best health plan for yourself.

Health Insurer Network Hospitals

Difference Between Health Insurance And Critical Illness Cover: FAQ's

1. What is a critical illness health plan?

A critical illness health plan provides you coverage against a set of listed critical illnesses such as cancer, heart attacks, brain, and nervous system ailments, etc. It is designed specifically to tackle life-threatening ailments and offer a comparatively higher amount of coverage.

2. What is a comprehensive health insurance plan

A comprehensive health insurance plan is an indemnity-based health insurance. It covers you for a vast range of healthcare services such as AYUSH treatments, daycare procedures, ambulance cover, room rent, etc.

3. What is the difference between a critical illness health plan and health insurance?

A health insurance plan offers you comprehensive coverage and takes care of every feature of healthcare whereas a critical illness plan offers you coverage against listed life-threatening illnesses.

4. Can I avail of tax benefits on both health insurance and critical illness insurance?

Yes, you can avail of tax benefits under section 80D for any category of health insurance plan you choose.

5. What is the survival period in health insurance?

A survival period is the tenure that a policyholder must go through after they have been diagnosed with a critical ailment. After serving the survival period your health insurance policy provides you with the necessary coverage.

Health Insurance Companies

What Our Customers Have to Say

Customer Review Image

Raghoba Phadke


April 8, 2024

PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.

Customer Review Image

Akshat R Verma


April 8, 2024

PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.

Customer Review Image

Akash Banerjee


April 8, 2024

The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.

Customer Review Image

Sarthak Parmal


April 8, 2024

I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.

Customer Review Image

Trishna Rohilla


April 8, 2024

I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...

Customer Review Image

Sunaina Khanna


April 8, 2024

All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents

Customer Review Image

Prakash Kaur


April 8, 2024

PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.

Customer Review Image

Radhika Aneja


April 8, 2024

With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.