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Critical Illness Insurance is a health cover protecting you from medical expenses involved in treating severe illnesses like cancer, stroke, paralysis, and liver failure, among 32 other illnesses.
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Critical illness insurance is a medical cover that provides financial assistance to insured members in case of hospitalisation due to critical illnesses such as cancer, catastrophic burns, or coma, as pre-defined under the chosen policy.
The insured individual might use the money to pay for medical bills and meet other financial responsibilities while treating an illness considered critical. In cases where an earning family member is diagnosed with severe disease, the best critical illness insurance can be a valuable source of financial support since the primary income source may be compromised.
Individuals seeking protection against possible health emergencies can find a comprehensive shield with critical illness health insurance, especially with a medical history or pre-existing diseases. A critical Illness plan can provide financial security when the individual is strapped for cash to treat their disease while supporting their family.
The benefits of critical illness cover are extremely valuable for:
Individuals with a Family History of an Illness - If a critical condition runs in the family, it just increases the risk for other family members as well. Thus, it becomes essential for you to take adequate coverage with this policy.
Breadwinning Family Members - A family's sole breadwinners must think about their family's financial security and get a critical illness policy as early as possible.
Individuals with High-risk Occupations - According to several studies, those who work in high-pressure environments are more likely to suffer severe disease. Employees who work in high-pressure environments might consider purchasing a critical sickness policy.
Individuals above a Specific Age Bracket - Once you cross a certain age, usually 40, the risk of getting infected bycritical ailments increases. So, staying prepared with a health cover will set the stage for a secure future.
Women - The increasing cases of cancer in women are alarming . Thus, investing in this policy is the best advice if you are prone to such risks.
We at Care Insurance provide a specialised health insurance plan for critical illnesses – an easy-to-acquire individual and family health indemnity plan that covers 32 critical illnesses pre-defined in the policy.
Our insurance plan for critical illness contains the following significant features:
Comprehensive Coverage- Cancer, stroke, end-stage renal failure, and other serious 32 illnesses are covered.
Affordable Premium- Comprehensive coverage with affordable premium without putting a strain on your present financial condition.
Quick Claim Settlements- Hassle-free claim settlements to provide timely financial assistance if a hospitalisation claim is paid.
Customer Service- Customer service is available 24 hours a day, 7 days a week.
Cashless Claim Facility- You can avail of a cashless claim facility at 19000+ healthcare providers.
Like any other insurance policy, you need to consider a number of factors when choosing the right critical illness insurance in India. When making a critical illness insurance comparison, several aspects must be considered.
Therefore, we have devised a checklist of things you can go through to make sure you are purchasing the best critical illness insurance in India:
Look for best health plan that suits your need!
Health Insurance Coverage for 32 Critical Illnesses
Health Insurance Covering 16 Major Health Aliments
Cover for Treatment of Cancer at all Stages
The Care Insurance Critical Illness Plan provides coverage for 32 life-threatening medical conditions. Here are the benefits included in the plan:
Chemotherapy and Radiotherapy
Rest assured during therapy sessions with CHIL’s critical illness insurance covering cancer and unerlying chemotherapy and radiotherapy coverage up to the sum insured.
Avail cashless hospitalisation for in-patient care and coverage for over 15 day care treatments, including advanced technology methods.
Pre and Post-hospitalisation
Ensure financial backup during tests and recovery phase with 30-days pre and 60-days post-hospitalisation coverage.
Ensure financial backup for the post-hospitalisation phase with dialysis coverage under specific critical conditions up to the sum insured.
OPD Expenses with Pharmacy
Attend to your medical needs while we cover OPD expenses, including diagnostic examinations and pharmacy bills up to a specified amount.
No Claim Bonus
Celebrate claim-free years as we offer up to a 100% increase in the policy’s sum insured to give you better coverage every year.
Utilize our value-added services of quick recovery counseling, doctor on call, and digital health portal to keep up with your health.
Get yourself timely medical care without worries about transportation costs as we cover ambulance fees up to a specified amount.
You can add optional cover in your policy to make it even more useful during an emergency. Below are the optional cover you might not want to miss while buying yourself a critical insurance plan
Room Rent Modification
Just like care should have no limits; we think your room rent category/rent should not have any restrictions or limits. This benefit will allow your stay to be comfortable in the hospital.
International Second Opinion
Second opinion is always helpful if you are not satisfied with the first opinion. This plan allows you to take International Second Opinion if needed.
Air Ambulance Cover
Through this benefit, we will cover you up to the amount specified in the policy for availing air ambulance services in India subject to the terms and conditions of the policy.
On opting for specific sum insured under the policy, through this benefit, you can avail hospitalisation expenses for the covered conditions incurred outside India, maximum up to the sum insured.
Sometimes policyholders end up disappointed with their insurance plan because of misinformation about the policy coverage limits. Hence, it is advisable for policy buyers to carefully go through the exclusions of our plan to avoid such a situation in the future.
Claims deriving from the following are excluded:
Our plan offers comprehensive critical health insurance that helps policyholders to combat critical illnesses. Here is a critical illness list of 32 medical conditions that are covered under this policy:
While we wish for a happy life free of difficulties, challenges do arise. One example of such a challenge in life is being diagnosed with a serious illness, leading to financial troubles. Any severe illness or disease can have emotional and financial distress to an individual. Conventional health insurance coverage may be advantageous on any given day, but critical illness insurance plans tailored to cater to critical illness needs can be a better alternative to deal with the financial consequences. The best critical illness policy is advantageous in the following ways:
Critical illnesses can necessitate long-term treatment in most cases. A hurried lifestyle, in addition to inherited factors, might trigger the occurrence of such medical disorders. When buying critical illness insurance, take care of the following aspects:
Budget: If you have enough financial resources to deal with an unforeseen medical problem, you might choose the best critical illness insurance with less coverage. However, remember that healthcare expenses are rising at an unprecedented rate, so relying only on savings could cause irreversible financial loss.
Health Needs: Understand your health needs to get the best critical illness policy in India. For instance, if you are more prone to suffer from a particular disease because of your family health history or the nature of your occupation, then make sure your plan covers the specific condition adequately.
Inclusions: Each policy comes with its set of benefits. Hence, it is crucial to understand what a particular plan offers to align with your needs appropriately.
Limitations: It's just as vital to know what's not covered by your critical illness insurance plans as it is to know what is. Along with this, make sure to check the policy's waiting period to avoid any rejected claims in the future.
Claim Process: As a policyholder, it is in your best interest to know about the documentation you will need to provide and the procedures for filing a claim so you will be ready when the time comes.
Coverage Size: A standard health insurance policy will not be able to cover the costs of therapy. So, choose a critical illness health insurance plan with a fixed benefit that covers the treatment of such urgent conditions. You can get a critical illness insurance quote online easily on our website.
Claim Settlement Ratio: An insurance provider's claim settlement ratio indicates their ability and intent to settle the claims. Hence, consider the claim settlement ratio before buying the best critical illness cover.
Diseases such as heart attack, stroke, or even cancer possess a very serious threat among people these days. If the mere thought of falling prey to these diseases scares you, then it is high time for you to buy critical care insurance post haste. Getting critical care illness insurance in place will save not only your finances but also your life if you get diagnosed in time. What would you do if your conventional health insurance plan didn’t give you coverage for your critical illness? You might have to shell out your savings to get yourself treated. However, the best critical illness plan will not disappoint you if you find yourself in such a situation where you need immediate assistance for your critical illness. Also, critical illness cover for family will safeguard your family members as well in times of emergencies.
Unlike health insurance, a critical illness insurance plan operates differently. A typical health insurance plan covers pre- and post-hospitalisation fees and the medical costs associated with hospitalisation. When it comes to expenses incurred up to the amount the insured choose, a health insurance policy will indemnify you. The financial support from the health plan may not be sufficient to cope with the healthcare expenses of a critical illness, which can often necessitate long-term medical care. The best critical illness policy in India is the one that will provide you with adequate financial support to combat a life-threatening disease so you can safeguard your savings and protect your family’s future. Critical illness insurance for senior citizens is also an adequate plan if you have elderly people at home. So, think no more if you look forward to getting the best critical illness plan.
|Entry Age- Minimum||Child: 91 days to 4 years with at least I member of age 18 years or above is covered or; 5 years on Individual basis
Adult: 18 Years and above
|Entry Age- Maximum||Lifelong|
|Exit Age||No Exit Age|
|Age of Proposer (Adult)||18 Years or above|
|Who are covered (Relationship with Respect to the Proposer)||Self, legally married spouse, son, daughter, father, mother, brother, sister, mother-in-law, father-in-law, grandmother, grandfather, grandson, granddaughter, uncle, aunt, nephew, niece, employee or any other relationship having an insurable interest.|
To buy critical illness insurance online from us, you do not need to get into the cumbersome formalities. Our buying process is simple; you can follow the below steps to get your critical illness health insurance:
If you need to file a claim, contact us to make a claim registration. To file a claim, you'll usually need the following documents:
Claim team processes your claim as soon as the documents get verified.
The premium for critical illness health insurance is deductible under Section 80D of the Income Tax Act of 1961. Below are the tax benefits you can get on the premium you pay for the necessary illness policy according to the age:
Often, people get confused between a standard health insurance plan and a critical illness insurance policy. Not only that, but some of us believe that one of the two is sufficient in terms of health insurance.
Know how health insurance and critical illness insurance are vastly different from each other:
|Factors||Critical Illness Insurance||Health Insurance|
|Coverage||It covers hospitalisation due to life-threatening critical illnesses.||It covers standard hospitalisation conditions and treatment expenses.|
|Benefits||Pre-and post-hospitalisation, organ donor cover, dialysis cover, psychiatric counseling, etc.||In-patient hospitalisation, pre and post-hospitalisation, daycare treatments, ICU charges, and more.|
|A number of illnesses||32 critical illnesses||Different types of chronic diseases, medical treatments, and procedures.|
|Waiting Period||90 days initial waiting period (48 months for pre-existing diseases)||30 days initial waiting period (48 months for pre-existing diseases).|
|Policy Period||Long-term Policy||Annual or Long-term Policy|
|Policy Renewal||The policy can be renewed after a claim year.||The policy can be renewed after a claim year.|
Health Insurance with Critical Illness Cover is a blessing in disguise for those who are vulnerable to falling prey to any critical illness due to family history or lifestyle
Care Health Insurance ensures a seamless claim process for its customers. Here are the steps to follow while filing a cashless claim or reimbursement for critical illness insurance.
|Cashless Claim Process||Reimbursement Claim Process|
|Step 1: Go to a listed in-network hospital.||Step 1: Submit your claim form along with other required documents.|
|Step 2: Fill out the proper forms at the insurance desk.||Step 2: You'll get an approval letter when your claim is verified.|
|Step 3: Send the completed form to our claim management team.||Step 3: Respond to queries raised by the claim management team.|
|Step 4: You'll get an approval letter when your claim is verified.||Step 4: Get approval from the claim management team.|
|Step 5: Respond to queries from the claim management team. You will receive communication about whether your cashless claim is approved or rejected within the standard TAT.||Step 5: Our claims team will contact you if there are specific reasons for rejecting your claim.|
The critical illness health insurance covers the treatment expenses for any 32 acute illnesses, as listed in the policy document. The policy will be issued based on a tele-underwriter, and in a few cases insured may be asked to undergo a medical check-up.
Yes. The eligibility criteria include minimum entry age for a child of 91 days to 4 years with at least one member of 18 years or above or 5 years on an individual basis. Please refer to the policy T&C.
This policy is an indemnity cover, and the insured can make multiple claims in a policy year. However, all claims made will be processed subject to the policy terms and conditions. The admissibility of any claim under the policy will be subject to the purview of coverage under the policy. Please refer to the policy T&C.
Like other health insurance policies, a critical illness insurance policy also offers tax benefits to the policyholders on the premium paid. As applicable, the policyholder is eligible for a tax deduction on the premium paid towards the policy under Section 80D of the Income Tax Act, 1961. These tax benefits are subject to changes in the tax laws in India.
When you buy critical illness insurance for your family or yourself, it is essential to consider various factors such as the medical condition, treatment costs, and the waiting period to complete before getting a claim for your expenses. Additional benefits such as organ donor cover and alternative treatment cover should also be considered when availing of a policy. Get a critical illness insurance quote online to ensure you have adequate coverage tailored to your financial profile.
Purchasing a critical illness insurance policy does not require you to pay a high premium. You can now get an affordable and the best critical illness policy in India with valuable benefits with Care Health Insurance which provides you with higher sum insured options with wide-ranging policy benefits.
No, this cover is not at all expensive. You can buy critical illness insurance online at an affordable premium with an EMI option.
The financial support from the health plan may not be sufficient to cope with the healthcare expenses of a critical illness, which can often necessitate long-term medical care.
The best critical illness policy in India is the one that will provide you with adequate financial support to combat a life-threatening disease so you can safeguard your savings and protect your family’s future.
Disability and accidental insurance give a lump sum payment while you recuperate from an accident injury. The best critical illness insurance in India, on the other hand, will provide you with a lump sum of money to help you maintain your lifestyle if you get a life-threatening illness or become disabled due to an illness.
Disclaimer: The information above is just for reference. Kindly read T & C of the policy thoroughly. Do refer to IRDAI guidelines for tax exemption conditions.
#Source: IBAI Claims Handbook for FY 19-20
^^Number of Cashless Healthcare Providers till 31st Dec 2022.
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