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Compare Best Critical Illness Cover in India

What is Critical Illness?

Critical Illness cover comes as a rider or as a stand alone plan. It provides the insured a lump sum, in case he/she gets diagnosed with a critical illness such as cancer, sclerosis, coma, heart attack, paralysis, kidney failure, etc. The insured has to bear a 30 days waiting period before the first diagnosis can be made.

Why do we need Critical Illness Cover?

More often than not, critical illness is considered as an exclusion in a standard health insurance policy. Even if covered, the lump sum paid out is simply not enough to suffice the whopping expenses involved in the treatment of such dreadful illnesses. So, getting a critical illness cover is imperative to protect yourself and your family from any possible financial calamities.

What are its Key Features?

  • Covers major illnesses which are usually excluded from a standard health insurance policy.
  • Covers all expenses associated with a critical illness.
  • Large sum insured.
  • For most of the plans, no medical check up is required up to 45 years of age.
  • Regular tax benefits and no claim benefits.

How much cover do I need?

A critical illness can be a life shattering experience. It makes it difficult for the sufferer to get back to the normal rhythm of life even if he/she recovers. Hence, the critical illness cover opted should be more or less, equivalent to the life cover. The exact cover amount depends on many factors such as number of dependents, present savings, nature of job, financial obligations and so forth. But in any case, it should not be less than 2-3 times the annual salary.

Documents Required

Getting a critical illness cover requires minimal documentation. In most cases, all you need to do is submit a proposal form and a medical declaration form. However, it varies from insurer to insurer.

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Critical Illness

The count of serious illnesses is escalating everyday and inviting the burden of expensive treatments on your small pocket. Inorder to combat this issue one needs to get a Critical Illness cover which meets your large cost medical care as well as provides a lump sum compensation for meeting your day to day expenses without making you run in a fanatical race for money arrangement. Investing in Critical Illness policy safeguards an individual from the unexpected financial burden.


a) The best critical Illness policy provides you a lump sum benefit on diagnosis of any of the pre-specified critical illnesses, to compensate the financial loss or hardships that may arise from your disease.

b) Critical Illness covers the cost of care and treatment, recuperation aid and helps you to maintain the same lifestyle that you had before.

c) You get tax benefit under section 80 D on your investment in a critical illness cover.

d) Renewal Bonus: As a No Claim Bonus (NCB) insurance company entitles you to increase the sum insured by 5%, up to a maximum accumulation for 10 claim-free years.

e) Medical examination might be there for few along with age benefit feature

Illness Covered

Critical illness rider broadly covers the following diseases:

Cancer- One can claim if his/her body shows an uncontrolled growth of cells forming malignant tumors which keep invading nearby body parts. Confirmation of claim depends on the result of microscopic examination of cells performed from insurer’s end.

Kidney Failure- Kidney failure stops the filtering of blood and removal of waste from the body. This leads to the waste accumulation and other complication in the body. In such situation one might need dialysis or transplant which can be claimed.

Organ Transplant- If at any point of life, your internal organ undergoes damage or is diseased then you can go for an organ transplant process and get it replaced by a better one.

Multiple Sclerosis- When the insulating covers of nerve cells are damaged in brain and spinal cord, the ability of communication done by nervous system is disturbed leading to this inflammatory disease called multiple sclerosis.

Coronary Artery Surgery- Heart might be attacked by various problems and the Coronary Artery might get blocked, preventing the blood flow to heart muscle. To resolve such a situation and safeguard an individual from the risk of death, Coronary Artery surgery is performed. One can claim when undergoing this surgery where the blockage is removed and either side of artery is joined together.

Aorta Graft Surgery- The oxygenated blood is circulated throughout the body via aorta. During this ongoing process, there are times when this aorta becomes weak or suffer some blockage which needs replacement. This surgery can be simply reimbursed by claiming for the same.

Heart Attack- When there is lack of oxygenated blood and part of heart muscle dies then the chest pain occurring is the result of heart attack. When claiming for the same, one undergoes a blood test and ECG test.

Paralysis- When one or more muscles stop functioning and suffer sensory as well as motor damage then the affected part of body undergoes paralysis.

Primary Pulmonary Arterial Hypertension- Firstly manifested by high blood pressure, Primary Pulmonary Arterial Hypertension affects the pulmonary artery from carrying blood from heart though lungs. It can lead to shortness of breath, fainting and heart failure in severe conditions.

Stoke, coma, major burns are few other critical illness issues. Well, the list of diseases covered under this list varies from one insurer to the other.

However, the diseases covered may vary depending on the Insurer.


• Claim for critical illnesses diagnosed within first 90 days from the inception date of policy
• Pre-existing illness incepted during policy purchase
• No claim for death within 30 days of diagnosis of critical illness or surgery
• Illness due to smoking, tobacco, alcohol or drug intake
• Illness occurring due to internal or external congenital disorder
• Critical conditions or consequences due to pregnancy or childbirth including caesarean
• HIV/AIDS infection presence will not be included
• War, terrorism, civil war, navy or military operations

Companies offering Critical Illness Plans

Critical illness cover is offered as an individual policy by various general insurance companies like Bajaj Allianz, ICICI Lombard, HDFC Ergo, Max Bupa, Apollo Munich. Whereas, life insurers provide it as a Critical Illness rider attached to the life insurance policy.

Before buying a critical illness rider or cover from a life or non-life insurer, one must prudently look at the diseases covered under the policy. Buy the best critical illness policy that covers the maximum number of frequently occurring aliments that run in your family. Remember critical illness plans are year-on-year contracts, which require to get renewed at regular intervals.

Critical illness insurance comparison can be done at policybaaar.com. Here we will help you to evaluate the plans according to the premium, cover and benefits.

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