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Critical Illness Insurance
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  • Benefit of Tax Under 80D
  • Pre-Existing Disease Cover
  • Flexibility in The Sum Insured
  • Life Long Policy Renewal Benefit

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Critical Illness Insurance

Critical Illness Insurance is an insurance policy that provides a lump sum amount to the insured to deal with the expensive treatment cost of any listed critical disease. Some diseases are not covered by basic health insurance plans that why insurance companies come out with critical illness insurance policy that offers coverage against a wide list of critical diseases such as heart attack, cancer, blindness, terminal illness, and deafness among others. Such diseases are not liable to get coverage under a basic health insurance plan that's why you must add a critical illness insurance policy in your investment portfolio.

Importance of Critical Illness Insurance

By buying a critical illness plan, you don't have to rely on anyone for the treatment of your disease and associated cost. The critical insurance plan is the right choice as it provides coverage when you are diagnosed by any critical diseases and don't have enough funds to clear medical bills and related expenses. The money which you get from critical illness insurance will help you in clearing medical bills and provide big relief.

  • 01
    One should buy a Critical Illness Insurance Policy if he or she does not have any savings and security for any major health disease. It acts as a helping hand in the hour of need.
  • 02
    Multiple diseases are liable to get the required coverage under the same such as Heart attack, Cancer, Major Organ transplant, Blindness, Stroke, Terminal illness, Bacterial Meningitis, Motor Neuron Diseases and Deafness among others.
  • 03
    With the same insurance plan, the insured will get a lump sum amount for the treatment that makes him ready in advance to deal with such contingencies.
  • 04
    Different insurance companies provide different covers so one should read the policy terms carefully before settling down for an insurance policy.

Features of Critical Illness Insurance

Critical illness insurance carries a wide list of features and benefits that may vary from insurer to insurer. However, we have mentioned some basic features that you will surely receive with your critical illness insurance policy.

Ambulance Charges

Benefit of Tax

The premium amount paid for the Critical Illness Insurance Policy is covered under the tax benefit as per the section 80D of the Income Tax act.


Portability of the Plan

While the policyholder is renewing the policy, there is an option to migrate the existing health insurance plan.

Flexibility in the Sum Insured

Flexibility in the Sum Insured

The policyholder can choose the sum insured as per the need and requirement and the seriousness of the disease.

Life Long Policy Renewals

Life-Long Policy Renewals

No maximum cover ceasing age is mentioned in most of the Critical Illness Insurance Policy so; one is eligible for the policy from 8 years to 70 years.

Add-on Features

Add-on Features

The policyholder can avail of a 5% discount on renewal premium each year. One can also get a reimbursement of 50% or more than that.

Pre-existing Disease

Pre-existing Disease Cover

The pre-existing disease is excluded from the Critical Illness Insurance Policy, they are only included only after the completion of four continuous renewals.

Types of Critical Illness Insurance Policy

Critical Illness Insurance Policy is beneficial for the policyholder as it not only covers the hospital expenses and the treatment but also helps the customers to pay the overdue debts and the policyholder to recover some of the lost income of the family due to illness. There are two types of Critical Illness Insurance Policies available in the market that includes

Individual Critical Illness Insurance Plan

The Individual Critical Illness Insurance Plan is the policy for an individual. All the plan benefits will be offered only to an individual. The features and benefits of the plan will be limited to a single person. If there is only one person that you want to insure then this is the right plan to go for as it seems affordable.


Family Critical Illness Insurance Policy

Family Critical Illness Insurance Policy covers the complete family in a single premium amount paid. One big sum is insured for the family cover; the amount is adequate for the entire family. All members are covered in the plan and can claim using the single sum insured.

Best Critical Illness Insurance Plans in 2019

Confused about which company to choose which can provide valuable coverage buy at an affordable rate of premium? Worry not, we have listed some pioneer insurance providers that can promise financial assistance.

  • Bharti AXA Smart Health Critical Illness Policy
  • Religare Care Insurance Policy
  • Apollo Optima Vital Health Insurance Policy
  • Max Bupa CRITICARE Policy
  • HDFC ERGO Critical Illness Policy

Bharti AXA Smart Health Critical Illness Policy

Bharti AXA Smart Health Critical Illness Policy

This plan offers coverage to an individual, post first diagnosis of critical illness. Mentioned below are the features, benefits, and coverage of this critical illness cover

Plan Variants

Bharti AXA SmartHealth Critical Illness Insurance Policy offers two variants. They are as follows

  • On diagnosis, the plans pay for the treatment of critical illnesses.
  • Pays compensation after survival for more than 30 days post-diagnosis of critical illnesses.

Features and Benefits

  • Offers daily cash benefits for claims under Section I of the policy. With this benefit the insured is eligible for daily cash as follows:

In case you are diagnosed with any critical illness that is listed under this policy (list mentioned below), daily cash of Rs 500 per day up to a maximum of 45 days will be provided.

This insurance plan offers hospital daily cash allowance benefit that enables you with an allowance of Rs 750 per day for a maximum of 30 days, in case the hospitalization exceeds 3 days (for SI Rs. 2 lakh).

  • This plan also offers a benefit to the person accompanying the insured by offering Rs 250 for a maximum of 10 days.
  • This plan does not have a limit over room expense cover as well as a co-pay option.
  • This plan provides a premium discount of a minimum of 5% up to a maximum of 25% for each unclaimed year. However, once you register a claim, this cumulative discount is reduced to zero.
  • It offers pre-hospitalization expenses for a maximum of 30 days and a maximum hospitalization for a maximum of 60 days.
  • Offers reimbursement of 50% of the amount spent on pre-policy health check-ups.
  • Offer coverage for ambulance charges up to Rs 2,500 for transportation to and from the hospital.
  • This plan offers the cost of treatment for the organ if there is a need for a major organ transplant for the insured.
  • This plan offers coverage for claims under Section I of this policy. Convalescence benefit up to Rs 12,500 post-hospitalization is offered if it exceeds 8 days.
  • This plan offers coverage for in-patient physiotherapy up to 2% of the sum insured.
  • This benefit is provided under Section I of Smart Health Critical illness plan in the case of the death of the insured due to critical illness covered under this policy. An allowance of up to Rs 5,000 for a maximum of two dependent children up to age 23 years pursuing education is provided.

Survival Period

30 days

Waiting Period

  • To claim for benefits under any Section (Sec. I or Sec. II), a waiting period of 60 days after commencement of policy is applicable. However, this period is waived off after timely renewal.
  • Pre-existing conditions are covered only after 4 years of continuous coverage.
  • Specified illnesses have a waiting period of 2 years applicable in this plan.


  • Offers coverage for hospitalization expenses
  • Offers coverage for daycare treatment
  • Offers coverage for pre and post hospitalization expenses
  • Offers coverage for domiciliary hospitalization
  • Covers pre-existing diseases post 4 continuous policy renewals

The Policy covers 20 Critical Illness mentioned below

  1. First heart attack
  2. Stroke
  3. Cancer
  4. Kidney failure
  5. Major burns
  6. Coma
  7. Terminal illness
  8. Bacterial meningitis
  9. Organ/bone marrow transplant
  10. Fulminant hepatitis
  1. Multiple sclerosis
  2. Surgery to aorta
  3. End-stage liver failure
  4. Coronary artery disease
  5. Aplastic anemia
  6. End-stage lung disease
  7. Primary pulmonary hypertension
  8. Heart valve surgery
  9. Coronary artery bypass surgery
  10. Motor neuron disease.
Coverage (Rs)Rs 2 LakhRs 5 Lakh
Policy Period1 year1 year
Entry Age3 months55 years
Renewable till Age-65 years


  • Doesn't offer pre-existing diseases and related conditions for the first 4 years since the inception of the policy
  • AIDS, HIV and related diseases
  • Psychiatric and mental/stress disorders
  • Any treatment is undertaken post consumption of alcohol or drugs
  • Unani, cosmetic, aesthetic, Naturopathy, plastic surgery treatments
  • Congenital Diseases
  • Unrecognized or experimental treatment.

Religare Care Insurance Policy

Religare Care Insurance Policy

The critical illness insurance coverage offered under the Religare Care Insurance Policy along with an array of benefits is mentioned below. Let's have a look at them

Features & Benefits

  • Offers coverage for around 170 procedures needs you to be hospitalized for 24 hours minimum in case you want to register a claim.
  • Offers the no-claim bonus that is equal to 10% of the basic sum insured up to a maximum of 50 % is available. However, the moment you register a claim, the bonus amount is reduced by 10% of the sum insured.
  • Offers an additional no-claim bonus as an option that will provide an additional bonus which would be equal to 50% the of sum insured. Thus, the total no-claim bonus would also increase to 60% of the sum insured up to a maximum of 100%. However, this would also reduce the bonus amount to 60% post registering any claim.
  • Offers organ donation covers in case of any expenses related to organ donation in the range of Rs 50,000 to Rs 3,00,000.
  • Offers 30 days pre-hospitalization and 60 days post-hospitalization
  • Offers restore benefit that is equal to 100% of the sum insured.
  • Room rent limits which are equal to:
    1. 1% of the total sum insured between Rs 3 lakhs and Rs 4 lakhs
    2. Single private room for sum insured between Rs 5 lakhs and Rs 10 lakhs
    3. Single private room upgradable to next level for a sum insured between Rs 15 lakhs and Rs 60 lakhs


Sum Assured (Rs )2,00,0006,00,00,000
Policy Term1 year3 year
Entry Age91 daysNo age bar
Renewal Age-Lifelong Renewability
Co-payment (SI Rs 5 Lakh & above)20% of the claim amount if you are 61 years old or more at the time of buying the policy.20% of the claim amount if you are 61 years old or more at the time of buying the policy.
Waiting Period30 days for any illness except injury30 days for any illness except injury
Waiting period for pre-existing illnesses4 years of continuous coverage4 years of continuous coverage
Grace period30 days from the date of expiry to renew the policy30 days from the date of expiry to renew the policy


Religare Care Plan does not offer any treatments due to the below-mentioned conditions

  • Any disease or illness that starts showing symptoms within 30 days of the policy period
  • AIDS
  • Attempted suicide
  • Congenital disease
  • Pregnancy, childbirth, miscarriage, and abortion
  • Any treatment that was under the influence of alcohol or drugs
  • Infertility and IVF treatments
  • Hospitalization out of the war, riot, strike and nuclear weapons

Waiting Period

30 days cooling-off period for all claims except the ones arising out of accidental injuries.

Apollo Optima Vital Health Insurance

Apollo Optima Vital Health Insurance Policy

Apollo Health Insurance offers you a critical illness cover names Apollo Optima Vital Health Insurance with higher coverage and at a lower premium. Let's have a look at the features and the scope of cover that this plan offers

Features & Benefits

  • Offers a lump sum amount if the policyholder is diagnosed with any Critical Illness that the plan covers or if surgery is commenced in respect of the covered Critical Illness
  • Offers lifelong renewability
  • Offers an option of either policy term of 2 years or annual
  • Offers coverage for 37 Illnesses.
  • Offers a discount of 7.5% for opting for a 2 year policy
  • E-opinion is available where the company's paneled doctor offers expert advice in the case of a critical illness
  • Offers addition of maximum 6 people that can be added in an Individual Policy with a maximum of 4 adults and 5 children
  • Offers Free Healthline Service offering primary consultation, individual referrals, health counseling, nutrition, and diet.


The plan offers coverage for 37 Critical Illnesses. The amount in a lump sum is paid if the insured gets diagnosed with the illness of defined severity or during the time of undergoing surgery for the covered Illness. Mentioned below is the list of illnesses that are covered as follows

  • Cancer of specified severity
  • Multiple Sclerosis with persisting symptoms
  • End-stage Liver Disease with specified severity
  • Kidney Failure requiring regular Dialysis
  • Coma of specified severity
  • Bacterial Meningitis
  • First Heart Attack of specified severity
  • Major burns
  • Goodpasture's Syndrome
  • Apallic Syndrome
  • Aplastic Anaemia
  • Systemic Lupus Erythematosus
  • Multiple System Atrophy
  • Progressive Scleroderma
  • Open Chest CABG
  • Major organ or Bone Marrow Transplant
  • Aorta Graft Surgery
  • Primary Parkinson's Disease
  • Alzheimer's Disease
  • Stroke resulting in permanent symptoms
  • Permanent Paralysis of limbs
  • Benign Brain Tumour resulting in permanent neurological symptoms
  • Cardiomyopathy
  • Open Heart Replacement or repair of heart valve
  • Pneumonectomy
  • Pulmonary Artery Graft Surgery
  • Motor neuron disease with permanent symptoms
  • Primary Pulmonary Arterial Hypertension
  • End-stage Lung Disease
  • Creutzfeldt-Jakob Disease (CJD)
  • Major Head Trauma
  • Encephalitis
  • Brain Surgery
  • Progressive Supranuclear Palsy
  • Blindness'
  • Deafness
  • Total loss of speech


Coverage Amount (Rs)1 lakhs50 lakhs
Policy Term1 year2 year
Entry Age of Principal Insured (in years)1865
Entry Age of Dependent Child (in years)1825
Maturity Age (in years)LifelongLifelong


  • All treatments except within the first 90 days
  • Pre-existing conditions for first 4 years
  • Maternity or pregnancy-related treatment
  • Congenital internal and external disease, defects or anomalies
  • Hospitalization due to war
  • Any Critical Illness in the presence of HIV or AIDS
  • Abuse of drugs, alcohol, hallucinogens, intoxicants
  • Hospitalization due to war

Waiting Period

  • Covers pre-existing conditions post completion of 4 years for certain diseases such as joint replacement, hernia, surgery of hydrocele, cataract, etc.

Max Bupa CRITICARE Policy

Max Bupa CRITICARE Policy

Max Bupa CRITICARE is a Critical Illness insurance cover that offers a host of benefits. Let's have a look at them

Plan variants

Benefit Option 1: Sum insured payable as a lump sum Benefit Option 2: Sum insured payable as a lump sum plus an additional 10% of the sum insured payable each year for the subsequent 5 years.

Features and Benefits

  • Offers direct claim settlement
  • Offers lifelong renewability
  • Offers income tax benefit under Section 80D of the Income Tax Act, 1961 for the total premiums you paid


The below-mentioned illnesses are covered by Max Bupa Critical Illness

  • Cancer
  • First Heart Attack
  • Open Chest Coronary Artery Bypass Surgery
  • Open Heart Valve Replacement or Repair
  • Coma
  • Kidney failure
  • Stroke
  • Major Organ Transplant
  • Paralysis
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Aplastic Anaemia
  • Bacterial Meningitis
  • Loss of Speech
  • End-Stage Liver Disease
  • Deafness
  • End-stage Lung Disease
  • Fulminant Viral Hepatitis
  • Major Burns
  • Muscular Dystrophy


Age (as on last birthday)Adult:18 yearsAdult:65 years
Sum AssuredRs 3 lakhsRs 2 crore
Policy Tenure1 year3 year
Cover TypeIndividual-
Grace Period30 days-
Free Look Period15 days-
RidersAccidentCare & HospiCash-
Plan TypeOnline/Offline-


  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)
  • The Insured Persons attempted suicide or self-inflicted injuries while sane or insane
  • Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or the Insured Person's abuse of drugs and/or consumption of alcohol
  • Failure to seek or follow Medical Advice
  • War (whether war be declared or not), invasion, an act of a foreign enemy, hostilities, armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
  • Taking part in any naval, military or air force operation during peacetime
  • Participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/watercraft that is authorized by the relevant regulations to carry such passengers between established airports or ports
  • Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep-sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
  • Participation by the Insured Person in a criminal or a breach of law with criminal intent
  • Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature
  • Any pre-existing disease or a condition would be covered post completion of 4 policy years

HDFC ERGO Critical Illness Policy

HDFC ERGO Critical Illness Policy

Plan variants

Silver and Platinum

Features and Benefits

  • Safeguards your finances
  • Ensures quality medical treatment
  • Offers free look period of 15 days beginning from the policy issuance date
  • Doesn't require medical check-ups till the age of 45 years
  • Offers lifetime renewability
  • Offers income tax benefit under Section 80D of the Income Tax Act, 1961 for the premiums paid


The List of Ailment Covered Under Critical Illness Plan Are

  • Heart Attack (Myocardial Infarction)
  • Coronary Artery Bypass surgery
  • Kidney Failure
  • Major Organ/Bone Marrow Transplant
  • Multiple Sclerosis
  • Stroke
  • Cancer
  • Primary Pulmonary Arterial Hypertension
  • Paralysis
  • Aorta Graft Surgery
  • Heart Valve Replacement
  • Benign Brain Tumor
  • Parkinson's Disease
  • Alzheimer's Disease
  • End-Stage Liver Disease

Eligibility Criteria

  • Silver - Entry Age - 5 to 65 years Sum Insured Options - Rs 5 Lakh, Rs 7.5 Lakh, and Rs 10 Lakh
  • Platinum - Entry Age - 5 to 65 years Sum Insured Options - Rs 2.5 Lakh, Rs 5 Lakh, Rs 7.5 Lakh, and Rs 10 Lakh
  • Gold - NA (this plan is discontinued and there is no information available on the eligibility criteria).


  • A waiting period of 90 days will apply to all claims unless the Insured Person has been insured under this policy continuously and without any break in the previous Policy Year.
  • War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind.
  • Insured Person committing or attempting any breach of the law with criminal intent or Arising out of or as a result of any act of self-destruction or self-inflicted injury, attempted suicide or suicide.
  • Insured Person's participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
  • The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as drugs and alcohol, including smoking cessation programs and the treatment of nicotine addiction or any other substance abuse treatment or services, or supplies.
  • Venereal disease, sexually transmitted disease or illness; “AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human immunodeficiency virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS-related complex), Lymphomas in brain, Kaposi's sarcoma, tuberculosis.
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including cesarean section), congenital internal and external diseases, defects or anomalies.
  • Any exclusion mentioned in the Schedule or the breach of any specific condition.

Waiting Period

A waiting period of 90 days will apply to all claims unless the Insured Person has been insured under this policy continuously and without any break in the previous Policy Year.

Steps to Buy Critical Illness Insurance Plan

If you are skeptical about the buying process of critical illness cover, then do check the below mentioned procedure which is easy to understand and follow.

Step 1

Visit the free quote section present at the top of this page

Step 2

Fill some basic details & click on the tab 'Continue'

Step 3

Compare quotes & choose a plan that suits your requirements.

Step 4

Fill the proposal form that requires some necessary information.

Step 5

Upload your documents online & Make the payment through selected mode.

Step 6

Congratulations! You are insured.

How to Choose the Best Critical Illness Insurance?

Buying a critical illness insurance plan is the best way to deal with heavy doctor fees and related expenses. It helps you in covering expensive treatments of critical diseases and recuperation aids, loss of income due to inability to earn and paying off debts. It would act as a supplement to your health insurance lists. It covers many critical diseases such as heart transplant, angioplasty, coronary bypass surgery, and much more. To Buy the best critical illness insurance plan, there are a few things that you must keep in your mind at the time of purchase, such as:-

Before buying insurance it is significant to do a study on 'Which insurer is providing flexible coverage with ultimate benefits?' By comparing various insurance plans you can save your money and time. At, you can compare premium prices, claim ratio, the sum insured provided by different companies.

Sum Insured: The first thing that you must check is the amount that you might require as the cover. It may vary from disease to disease, so you must check and fixed an estimated amount that you willing to have in the hour of need. It is totally up to you to choose the desired sum assured amount and the premium will be decided accordingly.

Compare: When it comes to choosing the best critical illness insurance plan, it is advisable to compare all available plans online based on features, benefits, cover and much more. With the same, you might end up with the right critical illness insurance plan in your hand that will be beneficial in the hour of need.

No. of Illnesses Covered: After choosing the type of the plan, it is important to check the no. diseases that are liable to get the cover. Always go with the plan that is offering coverage against more diseases and do not offer limited coverage. You must check different plans to get the required one.

Premium: It is not the foremost thing that you will check but it is always advisable to have a look at it. As there are many insurance players are available in the market, so choosing there are maximum chances of getting an affordable plan with wider cover. All you have to compare them thoroughly.

Claim Ratio: It is one of the most important things that you must check before finalizing my plan. As you invest your hard-earned money to get the desired benefits in return so a step towards surety of the claim is required. BY checking the claim ratio, you will get the idea of the best insurance company to go with.

Exclusions of Critical Illness Insurance Policy

Most of the policy covers the major critical illness but still, there are a few exclusions from the same, some of the exclusions are as follows

  • Death of the policyholder within 30 days from the day when the critical illness is diagnosed will not be covered under Critical Illness Insurance Policy.
  • The illness that is caused because of any smoking, tobacco, excess alcohol or any other harmful drug intake will not be covered under Critical Illness Insurance Policy in any circumstances
  • Cover for critical conditions such as childbirth as in caesarean case or any other pregnancy-related complication will not be covered under Critical Illness Insurance Policy.
  • Any critical situation that is caused due to failure of customers to seek medical or follow the medical advice such as not going for regular medical checkups that result in several illnesses will not be covered under Critical Illness Insurance Policy.
  • The harm caused by the policyholder to himself intentionally, such as an attempt to suicide will not be covered under Critical Illness Insurance Policy unless the policyholder suffers from any mental disorder.
  • Any injury or health disease from which the policyholder is diagnosed or had signs or received any medical symptoms for the same and all other pre-existing diseases are excluded permanently from the coverage of Critical Illness Insurance Policy.
  • Any sexually transmitted disease such as AIDS/HIV is not covered under Critical Illness Insurance Policy.
  • Any dental treatment is excluded from most of the Critical Illness Insurance Policy.
  • Surgery expense of hernia, laser surgery, and any gastric treatment expense is not covered under any Critical Illness Insurance Policy plan.
  • Birth control procedures or hormone replacement therapy expenses are also excluded from the Critical Illness Insurance Policy.

Documents Required for Critical Insurance Plan

  • Age proof.
  • Anyone of birth certificate, 10th or 12th mark sheet, driving license, passport, voter id, etc.
  • Identity proof.
  • Driving license, passport, voter id, pan card, aadhar card, which proves one's citizenship.
  • Address proof.
  • Electricity bill, telephone bill, ration card, driving license, passport, having the permanent address.
  • Passport size photos.


During the policy period, you are allowed to make only one claim on any of the listed critical illnesses mentioned in your policy document.

As soon as you make a claim, the lump sum amount shall be paid out for the particular critical illness. The policy would be automatically terminated and subsequent renewals would be allowed in the policy of the particular insured person. If at all the policy has been issued to more than one individual then the policy shall still remain active for the other policy members.

Certain insurance policies continue other benefits except for the one which you already made the claim.

If you are making a critical illness claim then the hospitalization expenses incurred will be paid under Health Insurance. The Lump sum benefit will be paid after the survival period under Critical Illness cover.

It is always better to speak to your insurance company about this clause as some insurers may allow you to make more than one claim.

Premiums for critical care insurance are determined on the sum insured stated in the policy document, the complete policy tenure, gender, and health status of the insured person.

The premiums vary from one individual to another depending on all these factors mentioned above.

A critical illness cover offers you a lump sum amount in case of diagnosis of the critical illness that is mentioned in the policy document. However, health insurance reimburses the medical expenses borne by you. Hence, it is better that you buy a separate critical illness cover.

No, you cannot change the sum assured during the policy tenure.

Yes, the premiums that you pay for your critical illness insurance cover qualifies for an income tax deduction under Section 80D of the Income Tax Act, 1961.

Find Out What PolicyX Customers Says

November 15, 2019

Ganesh Shelke


November 14, 2019

subhash mehta

I am greatly thankful for the excellent cooperation

October 11, 2019

Gunja Singh


October 11, 2019

Gunja Singh

It s good for everyone

October 11, 2019

Gunja Singh

It s good for everyone

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Last updated on 14-11-2019