Critical Illness Insurance

Critical illness insurance protects you & family in case of fatal medical emergencies. Exclusive critical illness health

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Critical illness insurance

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Critical illness insurance

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Health Insurance Plans for Critical Illness

Critical illness health insurance gives coverage for any type of long-term illness that requires more than one medical treatment procedure. Some of the examples of these diseases are cancer, tuberculosis, kidney diseases and much more. You will get a lump-sum coverage amount which will help you to cover the high medical cost incurred during treatment.

Health Insurance Plans for Critical Illness

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

Care Freedom Plan
Minimum- 90 Days
Maximum- No Limit
Upto INR 5 Lakh Covers diabetes and dialysis costs INR 5,653 Per month

Star Cardiac Care Plan
Minimum- 10 Years
Maximum- 65 years
Upto INR 4 Lakh Covers major heart illness INR 1,225 Per month

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

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

Star Special Care
Minimum- 3 years
Maximum- 25 years (who are diagnosed with Autism)
Upto INR 3 Lakh Covers Autism INR 4800 Per month

Niva Bupa CritiCare
Minimum- 18 years
Maximum- 65 years
Upto INR 3 Crore Covers up to 20 diseases INR 1044 Per month

ManipalCigna ProHealth Prime
Minimum- 91 days
Maximum- No Limit
Upto INR 1 Crore Covers all kinds of critical illnesses INR 919 Per month

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

SBI Critical Illness Insurance Plan
Minimum- 18 years
Maximum- 65 Years
Upto INR 10 Lakh Covers 13 major critical illnesses INR 588 Per month

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.

Common Features of the Critical Illness Plans

  • Covers Critical Illnesses

    You will be covered under the policy, in case the diagnosis of any critical illness in any part of the country. From diagnosis to full treatment, you can claim against the treatment cost.
  • Easy Claim Process

    Critical illness claim process is easier than other health insurance . You can claim based on just diagnosis reports.
  • Tax Benefits

    The government of India exempts tax based on critical illness health insurance plans under section 80D of the Income Tax Act 1961.
  • Affordable Premiums

    No doubt, the cost of hospital bills can be very high. But, you can secure your finances by getting critical illness health insurance.
  • Option to Buy

    Some health insurers give you the option to buy the policy for 1 or 2 years only, with the option of easy renewals.
  • Sum Insured

    You will get the sum insured up to Rs.10 Lakh.

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.

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How can PolicyX help?

Choosing the right Critical Illness health insurance plan can be a daunting task, but it is crucial to secure your loved ones' well-being. You can reach out to us, we can simplify your search for the best Critical Illness insurance plan. We do compare quotes for you and suggest you the best plan. Let us help you find the peace of mind that comes with knowing your family is protected. Visit our website or talk to one of our advisors today to get started!

Critical Illness Insurance :FAQs

1. What are the top 5 critical illness plans as per the claim settlement ratio?

The following are the top 5 critical illness health insurance plans in India based on the latest claim settlement ratio (CSR) for the year 2021-22:

  • Care Heart Plan
  • Star Cardiac Care Insurance Policy
  • ManipalCigna ProHealth Prime Active Plan
  • Niva Bupa CritiCare Plan
  • Aditya Birla Activ Secure Critical Illness Plan

2. What is a critical illness in health insurance?

Critical illnesses are illnesses that directly affect the major body organs like the heart, brain, lungs, kidneys, and more.

3. Does critical illness insurance cover death?

Critical illness insurance does not provide death benefits. It will provide the payout if you get hospitalized or fall ill due to the illness.

4. What are the features of a critical illness health plan?

The key features of a critical illness health plan are the availability of a high sum insured for dealing with major illnesses and coverage for expensive treatments such as chemotherapy, radiotherapy, organ transplant surgeries, and more. It also provides income replacement in case the only earning member of the family is diagnosed with a critical illness and is unable to work.

5. What are the factors to consider before deciding the sum insured of a critical illness health plan?

Insurance holders often consider a variation of factors when suggesting an ideal sum insured for a critical illness health plan such as age, lifestyle, medical history, occupation, annual income, and more.

6. What are the documents required to file a claim for a critical illness insurance policy?

In general terms, insured individuals need to provide their policy card, medical documents such as doctor's prescriptions, tests and diagnostic reports, address proof, age proof, identity proof, and a duly filled pre-authorized form provided by the TPA.

7. Is there a tax benefit of having critical illness insurance?

Yes. As per section 80D of the Income Tax Act of 1961, one is allowed to have tax exemptions on premiums paid for critical illness health insurance plans.

8. Do Critical Illness Health Insurance policies offer a free look period?

Yes. As per IRDAI, all insurance plans along with critical illness insurance policies come with a free look period during which the insured can review the terms and conditions of the policy, and if dissatisfied he/she can cancel their policy.

9. How many illnesses are covered under the Critical Illness Health Insurance Policy?

The number of critical illnesses covered under a Critical Illness Plan varies from insurer to insurer. However, a few general illnesses such as Cancer, Heart attack, Open heart coronary artery bypass grafting, Open heart replacement or repair of heart valves, Coma of specified severity, and Kidney failure are covered under the Critical Illness Health Insurance Policy.

10. Why is critical illness insurance needed?

Critical illness insurance is different from your regular health policy. It covers life-threatening diseases which have higher medical costs and procedures.

11. How much critical illness insurance should I buy?

Typically, the best way is to estimate the cost of how much a critical illness medical expenses would cost. Now, add your household expenses for the next five years including the critical illness expenses, deduct the unavoidable expenses from this (like your loans and EMIs) and emergency corpus. The amount left with you is the estimate that you should consider.

12. Can I get a critical illness policy after getting diagnosed with a critical illness?

No, if you are already suffering from a critical disease you cannot buy a critical illness policy.

13. What documents are required to buy best critical illness insurance?

A claim form, medical history, existing medical ailment reports are some of the primary documents that you would need while buying a critical illness cover.

14. Why do you need critical illness health insurance?

You need critical illness health insurance to protect yourself and your loved ones from major diseases that can drain your whole budget quickly.

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Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.