Critical Illness Health Insurance Plan

A regular health insurance policy is a blanket cover for most illnesses. However, there are certain illnesses for which the hospitalization expenses can run very high and recovery time may as well be longer. In such circumstances, regular health insurance cover may seem insufficient. Critical illness health insurance has been designed for these specific illnesses. They do not cover regular illnesses but rather are specifically for certain illnesses. Typically, on the diagnosis of critical illness, a lump sum amount is paid to the insured regardless of actual hospitalization expenses.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      These Plans Cover Critical Illnesses Such As:

      • Cancer
      • Major Organ Transplant
      • Stroke
      • Multiple Sclerosis
      • Coronary Artery
      • Heart Attack
      • Kidney Failure
      • Paralysis

      Different health insurance with critical illness plans have different coverage so choose accordingly. Many plans have wider coverage in terms of covering more critical illnesses.

      Benefits of Opting for Critical Illness Cover:

      Critical illness policy will pay a lump sum amount on diagnosis of critical illness. This amount is made available for use of insured in any way desired. So it can be used not only for treatment costs but for daily expenses since there can be income loss due to long recovery nature of these illnesses

      The wide cover can be taken and the premium amount is comparatively low.

      No medical tests are required till the age of 45 years

      Tax benefits can also be availed under Section 80D.

      Survival Period Clause:

      Many critical illness covers have a survival period condition. This condition stipulates that insured has to survive a certain period (30 days-90 days) after diagnosis of critical illness only after which claim amount will become available. So be careful about this condition. However, a few health insurance plans now have waived off this clause. 

      How they Differ from Regular Health Insurance Plans?

      Critical illness cover is for particular illnesses whereas health insurance is an umbrella cover. Regular health insurance plan will also cover hospitalization expenses as a result of critical illnesses too.  These days, health insurance policies have no age limits as most of them can be renewed lifelong. On the other hand, critical illness insurance has age limits. Most critical illness cover have upper limit age cap of 50-60 years.  Critical illness policies have higher Sum Assured available at low premium since their coverage is limited to critical illnesses only.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Care Health Insurance Introduces New ‘Care Supreme’ with Comprehensive Coverage

      16 Nov 2022

      In a bid to provide world-class comprehensive coverage to people...
      Read more
      Sum Insured in Health Insurance: Meaning & Importance

      11 Nov 2022

      People who are new to the world of insurance may not understand...
      Read more
      How to File a Reimbursement Claim Under Health Insurance?

      03 Nov 2022

      The biggest reason for buying health insurance is to get financial...
      Read more
      Health Insurance Policies to Include Mental Health Coverage Before 31 Oct: IRDAI

      02 Nov 2022

      The Insurance Regulatory and Development Authority has directed...
      Read more
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries...
      Read more
      PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
      Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
      Read more
      Best Health Insurance Plans
      Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL