Critical Illness
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Critical illness plans are a type of health insurance plans which provides money for the treatment of major critical illnesses like kidney ailments, liver disorders, heart attacks, cancer, paralysis, and more. Critical illness plans offer a high sum assured that can be adequate to cover the costs of such illnesses.
How Important is Critical Illness Insurance for Family? (click here)
How Important is Critical Illness Insurance for Family? (click here)
While we hope for a joyful life devoid of obstacles, hardships do occasionally occur. An illustration of such a hardship in life is receiving a serious illness diagnosis that causes financial difficulties. An individual may experience mental and financial stress as a result of any serious illness or condition.
A plan designed to meet the needs of people with critical illnesses may be a superior alternative to conventional health insurance coverage for dealing with the financial consequences on any given day.
It offers the following benefits:
You are most significantly protected by this coverage, which acts as a safety net. It addresses 32 critical illnesses.
A big sum insured gives you complete assurance because this indemnity-based plan covers several medical bills you incur throughout the year.
You are well protected financially from hospitalisation costs and expensive but necessary treatments like radiotherapy and chemotherapy.
List of 32 Critical Illnesses covered under this policy :
Key Features of Care Health Insurance Assure Plan for Critical Illness.
Key Features of Care Health Insurance Assure Plan for Critical Illness.
This insurance plan for critical illness contains the following significant features:
Comprehensive Coverage: Serious 32 illnesses such as cancer, stroke, end-stage renal failure, and more are covered.
Affordably priced comprehensive coverage is available without jeopardising your current financial situation.
• Quick Claim Settlements - Simple claim resolutions that pay hospitalised claims quickly and in full.
• Customer service is offered every day of the week, around-the-clock.
• Cashless Claim Facility: There are around 21,100+ healthcare providers where you can use the cashless claim facility.
The Best Critical Illness Coverage: How to Choose
While selecting the best insurance plan for critical illness, you must take into account a number of aspects, just like when choosing any other insurance policy. There are several factors to take into account when comparing critical illness insurance.
To ensure you are buying the best critical illness insurance in India, we have created a checklist of items you may check off:
Check the Coverage
Calculate Premium Rates
Ensure Less Waiting Period
Find Out the Covered Illnesses
Learn About Renewal Policy
Who Should Buy a Critical Illness Cover?
Who Should Buy a Critical Illness Cover?
With critical illness insurance, anyone seeking protection against potential medical emergencies can discover a complete shield, especially if they have a medical history or pre-existing conditions. When a person lacks the funds to both sustain their family and pay for their illness, this plan can offer financial security.
The advantages of critical illness insurance are very beneficial for :
Individuals with a Family History of an Illness
Breadwinning Family Members
Individuals with High-risk Occupations
Individuals above a Specific Age Bracket
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.
What is Excluded under Critical Illness Insurance Cover?
What is Excluded under Critical Illness Insurance Cover?
Due to misconceptions regarding the policy coverage limits, policyholders can get dissatisfied with their insurance plan. So, it is advised that policy purchasers carefully review the plan's exclusions to steer clear of a situation like this in the future.
Those based on the following are not included in the claim:
Self-inflicted injury act attempted or actual suicide
Any illness related directly to the consumption of alcohol/ tobacco/cigarettes, etc.
HIV or any other sexually transmitted disease
Cosmetic or plastic procedures, or similar therapies
All of the risky activities include pregnancy, miscarriage, childbirth, maternity care, including C-sections, abortion, and complications from any of these.
Damage caused by a nuclear, chemical, or biological attack or weapons
Illness or injuries caused due to any breach of law by the insured with any criminal intent
DIFFERENCE BETWEEN HEALTH INSURANCE PLAN & CRITICAL ILLNESS COVER
Claim Process (view more)
Claim Process (view more)
Follow the steps mentioned below to make claims under a critical illness insurance policy:
• Inform the insurance company about the diagnosis as soon as possible
• The representative from the company shall provide you exact list of documents to submit
• Collect the said documents and submit within 90 days of first diagnosis of the ailment
• After verification of the submitted documents, claim amount will be released that one can utilize as per their convenience
Documents Required for Claim Process (view more)
Documents Required for Claim Process (view more)
Following documents are needed for filing claims:
• ID Proof of the claimant
• Claim form (duly filled & signed)
• Copy of hospital summary, discharge papers, prescription, medical reference, etc.
• Copy of medical reports, records
• Doctor's certificate
• Any other relevant document as requested by the Insurer
FAQs
FAQs
Q. What is a sub limit?
A. The sub limit is a fixed quantity that is specified in the plan for a specific disease. Only that sum will be reimbursed upon diagnosis of the specified illness.
Q. I have a health insurance plan. Should I still go for critical illness insurance?
A. Exclusions are areas of a health insurance plan where conditions like cancer, HIV AIDS, etc. are not covered. Therefore, you need a suitable critical illness insurance coverage to cover these illnesses.
Q. Can I claim this policy more than once?
A. No, you can only file a claim for critical sickness once for a single condition.
Q. What happens if I'm diagnosed with one of the illnesses covered by the insurance 10 days after buying it?
A. You won't be able to file any claims in this situation because the typical waiting time is between one and three months after the policy's start date.
Q. Can I include my family members in the critical illness insurance?
A. Yes. Immediate family members like spouse and children can be added in the policy.
Q. Can I buy this plan of critical illness insurance for my 10-year-old son?
A. To be eligible for this plan, one must be at least 18 years old.
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