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How is the Critical Illness Plan Beneficial?
The rising incidences of critical illnesses and increasing healthcare costs in India are alarming people to become more conscious about their health and stay protected. Keeping in mind the financial and emotional consequences that one can face during a medical emergency due to critical illness, we at Care Health Insurance offer the critical illness plan. The policy mitigates your health risks and covers your hospitalization expenses; if you are diagnosed with any critical illness included under this health insurance plan. Check out the below benefits:
- Cashless hospitalization facility at 22100+ healthcare providers and reimbursement facility in case of a medical emergency or planned hospitalization
- Extensive coverage for pre and post hospitalization expenses and daycare treatments
- Offers OPD cover, ambulance cover, organ donor cover, cover for ICU charges, international second opinion, and more
- Dialysis cover, psychiatric counseling, chemotherapy, and radiotherapy
- Cover for Alternative Treatment like AYUSH
- Health policy with a low premium and high coverage for 32 critical diseases
- Tax benefits under Section 80D of the Income Tax Act with deduction up to Rs. 75,000
- EMI option available
Need for Critical Illness Insurance
The time we spend with our loved ones is truly the most cherished. Since our family members are the most important to us, we leave no stone unturned to ensure they always remain in the pink of their health. However, with the chaotic lifestyle and lack of time, we cannot always give our family members the kind of attention they need.
Our sedentary lifestyle and bad habits like smoking, drinking, and eating junk food can result in several medical conditions. Due to these habits, people are getting prone to life-threatening diseases nowadays. That is why it is vital to buy family health insurance plan covering you and your family members against medical expenses.
Factors to be Considered While Opting for Criticall Illness Insurance
Here are a few factors that you must keep in mind if you are planning to buy a critical illness insurance policy for you and your family:
Your Health Condition
The need for a critical illness insurance plan increases if someone in the family is suffering from a chronic illness. This may include diabetes, heart diseases, kidney disease, liver disease, or cancer. Medical facilities can prove to be costlier in such situations. Thus, including a critical illness cover with your health insurance plan can hedge you against the medical expenses.
>> Check: Why It Is Worth Buying Critical Illness Insurance Policy Along With Health Insurance Plan?
Types of Critical Illnesses Covered
We cover 32 critical illnesses under this policy; some of them are as follows:
- Cancer
- End-stage renal failure
- Multiple sclerosis
- Benign brain tumor
- Parkinson's disease
- Alzheimer's disease
- End-stage liver disease
- Motor neuron disorder
- End-stage lung disease
- Bacterial meningitis
- Major organ transplant
- Stroke
- Paralysis
- Myocardial infarction
- Major burns
- Surgery of aorta
- Pericardiectomy
- Blindness
Exclusions
While a critical insurance plan covers various medical conditions, you must also look at the policy's exclusions. Some of the most common medical conditions that are not admissible under critical illness policy are:
- Illness due to tobacco or alcohol consumption, smoking or drug intake
- Congenital Defect
- HIV or AIDS infection
- Cosmetic surgery
- Dental care
- Infertility treatment
- Hormone replacement treatment
Most people often overlook the exclusions within a health insurance policy. Thus, it is wise to compare various plans based on their exclusions to fetch out maximum benefits.
>> Check: Understanding the Significance of Critical Illness Cover
Our well-being is one of the most precious gifts we have. So, to ensure that you and your family always remain healthy, opt for our comprehensive critical illness policy now.
Disclaimer: Underwriting of claims for Critical Illnesses is subject to policy terms and conditions. Please refer to policy brochure to know more about policy benefits and features.
