Critical Illness Health Insurance: Why It is A Need of an Hour?


Critical Illness Health Insurance: Why It is A Need of an Hour?

Health insurance market is stuffed with a plethora of plans. Choosing the right plan that caters your health care requirement can be a daunting task. However, considering the present situation, where medical inflation is galloping, pollution and life-threating diseases are increasing, critical illness health insurance is a need of an hour. It is the health insurance designed to provide coverage against life-threatening diseases. 

Critical Illness Health Insurance

Under this plan, you receive coverage once you diagnose with cancer, kidney failure, heart ailment, and so on. You get the cover for the treatment, medicines, and recuperation expenses. In critical illness health policy you can make a claim only after the completion of survival period. These plans have a bit higher premium amount with maximum coverage.

Here are the reasons that support why critical illness health insurance is important:


Under critical illness, you get extensive coverage after you submit the diagnosis to the respective team. You  in-patient hospitalization, diagnosis, and medication will be covered. Also bears the expenses related to air ambulance cost, chemotherapy & radiotherapy cover, dialysis cover, organ donor cover, second opinion, and annual health check- ups. 

Critical Illnesses Coverage 

Critical illnesses such as Cancer, End-Stage Renal Failure, Multiple Sclerosis, Benign Brain Tumour, Motor Neuron Disorder, End-Stage Lung Disease, Major Organ Transplant, Stroke, Paralysis, and Coma are covered under this plan. The treatments of such illnesses are expensive and on-going. Thus, you do not need to ask money to anyone for the treatment. 

In-Patient Hospitalization

If the in-patient hospitalization in the network hospital is for more than 24 hours then we cover your hospitalization expenses. These expenses include your room charges, nursing expenses, ICU, surgeon’s fee, doctor’s fee, blood, oxygen, and OT (operation theatre charges).

Day Care Treatments

Day care treatment means the treatment where you do not need to admit in the hospital for a day. Critical illness policy also covers your day care treatment. Cataract surgery, chemotherapy, dialysis, or treatment or therapy requires hospitalization for a day. So, if you are going for it, then you will get the amount for room rent, doctor’s visit, medicines, etc. 

Pre and post hospitalization

We cover your pre and posts hospitalization expenses that include diagnosis, treatment, and medicine expenses, along with doctors’ fees. Treatment costs such as dialysis, day care treatments, and surgeries are also covered.

Additional Covers

Plan also offers additional covers such as air ambulance cover, international second opinion, alternative treatment, doctor on call, global coverage, and so on. You will also get the reimbursement for these expenses.

Annual Health Check-Up

Under critical illness plan you can also avail annual health check-up. The package includes tests for blood sugar, urine routine, blood groups, kidney function, and ECG check-ups. This facility helps you to keep a track of your health. 

Tax Exemption 

Under section 80 D, of the Income Tax Act 1961, premium paid for critical illness health insurance either for self, dependent parents, spouse or children, is entitled for tax exemption. However, the taxable amount is subject to income, age, number of persons insured, and also income tax law.


Thus, health insurance plan for Critical Illness is very helpful. It gives you financial assistance to bear your hospitalization and treatment costs. You can opt for critical illness plan offered by Care Health Insurance that covers around 32 life-threatening diseases and have a network of 22900+ cashless healthcare providers across the country. So, you can get the best possible treatment and focus on your recovery with peace of mind. 

Disclaimer: Underwriting of claims for critical illness subject to policy terms and conditions. Please refer to the policy brochure to verify the policy benefits and terms and conditions correctly. 


View Our Editorial Policy


+91 verified
Please enter a valid mobile number
Please enter a valid Full Name
I have read and agree to the Terms & Conditions
Please select terms and conditions
Get updates on WhatsApp

Articles By Category

Health Insurance Articles
Family Family
Senior Citizens Senior Citizens
Maternity Maternity
Surgery Surgery
Heart Heart
Tax & Investments Tax & Investments
Lifestyle Lifestyle
Awareness Days Awareness Days
Child Care Child Care
Money Saving Tips Money Saving Tips
Festive Days Festive Days
Covid-19 Covid-19
Travel Insurance Articles
International International
Student Student
Travel Tips Travel Tips
Visa Visa
Passport Passport
Insurance Guide
Health Health
Travel Travel
Reach out to us
Whatsapp Chat 8860402452



Chat with Us

Please Select Chat Option ×
Buy New policy To explore and buy a new policy
Existing policy enquiry for assistance with your existing policy