Protect Your Family from Critical Diseases with the Best Health Insurance


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 paucity of time, we are not always able to give our family members the kind of attention that they need.

Our sedentary lifestyle coupled with bad habits like smoking, drinking, and eating junk food can result in several medical conditions. Due to these habits, not only the elderly but younger people too are prone to life-threatening diseases nowadays. This makes it extremely important for one to buy a comprehensive health insurance plan that covers you and your family members against medical expenses.

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 faced by you.

>> Check: Why It Is Worth Buying Critical Illness Insurance Policy Along With Health Insurance Plan?

Types of Critical Illnesses Covered

There several medical conditions that a critical illness insurance plan would cover. Here are some of the conditions that your health insurance plan must include: -

  • 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


While a critical insurance plan covers various medical conditions, you must have a look at the exclusions of the policy as well. Some of the most common medical conditions that are excluded from a 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 recommended that one should compare various policies based on their exclusions in order to find a health insurance policy that would fetch them 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, you must pay keen attention to all the details of your critical illness policy as well as your health insurance plan and before you sign the dotted line.

Care Health Insurance (Formerly Religare Health Insurance) offers critical illness insurance that covers 32 major critical illnesses and comes with benefits like annual health check-up, coverage for 30 days of pre-hospitalization and 60 days of post-hospitalization, no claim bonus, second opinion, and a lot more. Always stay covered with Care Health Insurance (Formerly Religare Health Insurance).