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Critical Illnesses Covered Under Max Term Insurance

Life-threatening health conditions such as stroke, cancer, paralysis, and heart attacks are categorized as critical illnesses. When you get diagnosed with a critical illness, you need intensive care and constant monitoring which can put pressure on your financial savings. Therefore, you always need the Critical Illness Cover Protection to manage the treatment expenses in such cases.

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What is Max Life Term Critical Insurance?

A-Max Life Critical Illness provides coverage against several life-threatening ailments such as cancer, heart attacks, stroke, and renal failure. Max Term Insurance plan also offers the benefit of Accelerated Critical Illness (ACI). In Max Life Smart Term Plan, you get the coverage amount based on the cover option selected at the starting phase of buying a policy. The lump-sum amount can be used to pay for hospitalization expenses, medical bills, and surgery expenses. This amount can also be used by your loved ones to take care of their daily expenditures.

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Who Can Buy Max Life Term Critical Illness Cover?

The minimum age at entry to buy the critical illness insurance rider is 18 years whereas the maximum age of attaching critical illness benefit is 65 years. The maximum maturity age under Max Life Critical Illness varies according to the critical illness cover type selected. Both females and males can buy critical illness cover at the same premium rate.

List of Critical Illnesses Covered Under Max Term Insurance Plan

Under Max Life Smart Term Plan, you can get critical illness cover benefits against the unforeseen diagnosis of up to 64 mentioned critical illnesses. In addition to this, the critical illness plan also offers additional coverage against total and permanent disability.

The Critical Illness Benefit from Max Life Term Plan covers the following 64 critical ailments:

Critical Illnesses Covered Under Max Term Insurance Plan
Angioplasty Early Stage Cancer Small Bowel Transplant Cerebrum Shunt Insertion or Brain Aneurysm Surgery
Open Chest CABG Cancer of Specified Severity Severe Osteoporosis Myocardial infarction
Open Heart Replacement Stroke results in permanent symptoms Coma of specified severity Kidney failure that requires regular dialysis
Permanent paralysis of limbs Bone marrow/major organ transplant Multiple sclerosis has persistent symptoms Motor Neuron Disease has permanent symptoms
Deafness Blindness End-Stage Lung Failure Benign Brain Tumor
Major Head Trauma Loss of Limbs End-Stage Liver Failure Loss of Speech
Parkinson’s Disease Alzheimer’s disease Primary pulmonary Hypertension Third-degree burns
Aplastic Anaemia Amputation of feet because of diabetes Apallic Syndrome Aorta Graft Surgery
Bacterial Meningitis Cardiomyopathy Brain Surgery Addison‘s disease
Crohn’s Disease Creutzfeldt-Jacob Disease (CJD) Dissection of Aorta Aneurysm Chronic Relapsing Pancreatitis
Fulminant Viral Hepatitis Elephantiasis Encephalitis Eisenmenger’s Syndrome
Infective Endocarditis HIV because of Blood transfusion or occupationally acquired HIV Hemiplegia Independent Existence loss
Muscular Dystrophy Medullary Cystic Diseases 1 eye and 1 limb loss Myasthenia Gravis
Necrotising Fasciitis Pheochromocytoma Other severe coronary artery diseases Myelofibrosis
Poliomyelitis Severe Rheumatoid Arthritis Progressive Supranuclear Palsy Severe Rheumatoid Arthritis
Terminal Illness Severe Ulcerative Colitis Tuberculosis Meningitis Systemic Lupus Erythematosus

*Note: Firstly know all about terminal illness meaning and then buy the best max term term insurance that provides coverage for 64 critical illnesses.

What Are the Benefits of Max Term Insurance with Critical Illness Cover?

Max Term Insurance along with a critical illness cover has several benefits to offer which are listed below:

  • Act as a tool for income replacement

  • Take care of your medical expenses

  • Get double tax benefit u/s 80C and 80D of ITA, 1961.

  • Take additional coverage for major ailments such as heart attack, cancer, organ transplant, stroke, kidney failure, and bypass surgery.

  • The policyholder can easily opt for a plan online by paying premium amounts in installments.

  • No minimum survival tenure

  • The benefit amount payable is equivalent to the critical illness coverage that the life assured has chosen

How to Buy Max Life Term Plan with Critical Illness Cover?

Here is a simple way to get critical illness covered under Max Life Term Plan:

Step 1: Select the Policy term and Sum assured amount

Step 2: Choose the Critical Illness Benefit Rider

Step 3: After selecting the plan along with critical illness benefit, fill in the personal details and pay the premium amount

Step 4: Fill out the Proposal Form

Step 5: Medical Examination is performed before offering critical illness cover.

Why Should You Buy Critical Illness Rider with Max Term Insurance Plan?

At the time of an accident, when you suffer dismemberment or injuries, you are not able to return to your job instantly. In such cases, the additional financial support from the critical illness cover helps you recover from any financial difficulty without any worries. On the contrary, a critical illness cover offers you a lump sum amount to support your lifestyle with a critical illness-associated disability. Therefore, you can avail the best possible illness treatment without compromising your savings or health.

*Note: Terminal illness in term insurance provides coverage against a number of terminal illnesses. Therefore, it is important to choose the right benefit when you buy term plan.

Wrapping It Up!

You may consider a Max Term Insurance plan with a critical illness rider as it provides coverage to you during difficult times. You may opt for such a plan online to enjoy a high degree of convenience. Buying such a plan offers additional protection and secures the future in case of any unfortunate illness.


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