Critial Illness
Health Bima

Critical Illness Insurance provides coverage against life-threatening health conditions, it ensures that your savings stay intact, in case you are affected by a critical illness that calls for extensive treatment and prolonged recovery. Critical illness insurance ensures that your financial security is not compromised during your recovery period.

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Critical Illness benefit provides coverage against specific life-threatening diseases. Treating such critical illnesses may require multiple visits to the hospital over a long period. In addition to the hospitalisation expenses, there will be other costs like fees for doctor visits, medical expenses, and more. A critical illness or ailment often affects major parts of your body and calls for expensive treatment, which can lead to financial stress.

Lump Sum Cover

Upto 15 Critical Illnesses covered
The bigger the health coverage, the lesser stress for you and that is exactly what we are offering with our critical illness insurance – coverage of a wide range of illnesses in a single plan.
Provides lump sum amount on the first diagnosis of the covered major illness after 90 days of policy commencement.

Wellness Program

Wellness Program
Earn wellness reward points for leading a healthy lifestyle through various wellnes activities. Avail a discount in renewal premium.

Monthly Income Option

On being diagnosed with a critical illness, a part of the sum assured is paid out that can substitute for monthly salary. This benefit is available as optional rider benefit.

Educational Grant

In the event of death of the insured person, an educational grant for a maximum of two dependent children of the insured is provided. I) A maximum of Rs. 10,000/- is provided per child, up to two dependent children II) In case of more than one dependent child below 18 years, Rs. 10,000/- per child is payable not exceeding more than Rs. 20,000/-.

Why should you buy a critical illness rider?

A critical illness# rider is critical nowadays. A few days of being sick can lead to exorbitant hospital bills, making it hard to maintain a favourable standard of living. With a critical illness benefit, you can rest assured that your loved ones will not struggle to meet hospital expenses, doctor’s fees, and other expenses. The payouts on the diagnosis of disease are instantly credited to you and can be used to cover varied costs.

How is a critical illness benefit different from other health insurance plans?

Remember that all costs are not covered by health bima. for example, Abinav was suffering from a health condition for which he used his health insurance plan. While his health insurance plan offered financial protection, he was required to submit hospital bills and could only cover the costs of the expenses incurred during his treatment. Auxiliary costs and the loss of income due to the illness were liabilities that Abinav and his family had to bear on their own.
Brijesh was suffering from a similar health condition and could no longer continue with his job. However, he opted for a critical illness benefit. He received a lump sum payment. He used a portion of it to pay for his treatment, while the other part took care of his family’s expenses.