As per the World Health Organization report, chronic diseases/critical illnesses are the major reason for deaths in India, resulting in over 53% of overall mortality rates. Critical illnesses such as cancer cause over 10 Lakhs deaths in India, stated The Lancet Regional Health Southeast Asia journal via Live Mint.
In an era of diseases and pandemics, what else can save us from losing our lives? Especially, when advanced healthcare treatment of critical and chronic illnesses is unaffordable for underprivileged people. Having a safety net for critical illness coverage can be the saviour in such conditions.
Firstly, what is a critical illness and how does critical illness insurance work? Critical illness in the insurance sector is defined as a preset dreadful disease in the critical illness list of the insurance coverage section. The insurer contracts to pay the policyholder for a lump sum amount on diagnosis of any one of those. A critical illness policy provides financial and medical protection against life-threatening diseases. Given that, one should fulfil the initial waiting period to claim against a critical illness treatment.
This page has it all including a detailed list of critical illnesses for insurance, best plans for critical illnesses, its inclusions, exclusions, and so on.
Key Takeaways
There are over 36 to 64 critical illnesses, which health insurance companies consider covering in their critical illness insurance plans. For example, read this critical illness list that is covered under one of the best critical illness policies in India:
Note: This is not a full list of critical illnesses for which you can buy critical illness insurance. For a detailed list of coverage, check your policy documents thoroughly.
Here are some of the best health insurance plans with critical illness coverage that will support you all-in-all when in need:
Critical Illness Plans | Entry Age | Sum Insured | Initial Waiting Periods |
---|---|---|---|
Niva Bupa CritiCare | 18 - 65 years | 3 L - 2 Cr | 90 days |
ManipalCigna Lifestyle Protection | 18 - 65 years | 1 L - 25 Cr | 90 days |
Care Critical Mediclaim | 18 - 65 years | 10 L -2 Cr | 90 days |
Star Critical Illness Multipay | 18 - 65 years | 5 - 25 L | 12 months |
HDFC ERGO Critical Illness Platinum | 5 - 65 years | 1 L - 50 L | 90 days |
Critical illnesses are not just an affair of expensive treatments and financial brokerage, it also shatters the patient’s whole world and their family’s future in a go. What if we say, you can be covered for a treatment against critical illness after keeping your emergency funds intact and having your family’s back?
Yes, this is true. A critical illness coverage health insurance policy covers all sorts of your treatment expenses, hospitalization charges, and payout monthly income while you’re not able to provide for your loved ones.
There are many more benefits attached to a critical illness health insurance policy, reach out to our customer care executives for more details at 1800-4200-269.
Yes. The changing lifestyle and fast-paced world have turned us prone to critical illnesses that may be deadly most of the time. For the diagnosis and treatment, you need critical illness insurance which will help you cope with financial distress.
There are multiple critical illness policies, including Care Freedom, ManipalCigna Lifestyle Protection Critical Care, and more. For more details, you can connect with our insurance advisors.
The minimum to maximum entry age for buying a critical illness insurance policy is between 18 to 65 years.
A critical illness policy is a must-buy insurance product for an individual who; has a family history of critical illness/es, is the sole breadwinner of the household, is above 40 years of age and prone to getting ill frequently, has a high-risk job that demands regular treatment, has undergone any cardiac surgery or dialysis, etc.
As per the government health reports 5 majorly common critical illnesses in India are cancer, stroke, heart attack, kidney failure, and organ transplant due to dysfunctionality.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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