Critical Illness Cover

Overview

Unlike a regular health plan that reimburses bills, critical illness insurance pays a fixed amount once a covered condition is diagnosed. You can use the money for treatment, debts or lost income.

Commonly covered conditions

Cancer of specified severity
First heart attack
Stroke
Kidney failure
Major organ transplant

Health insurance helps you pay for hospital stays, treatment and medicines without draining your savings. Plans differ in how many people they cover, how much they pay and which hospitals you can use.

Before buying, compare the sum insured, waiting periods for pre-existing conditions, room-rent limits, co-payments and the insurer's network of cashless hospitals.