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Critical Illness Insurance
Critical illness is a serious health condition that has a debilitating effect on an individual’s lifestyle and requires a considerable amount of money towards treatment. It may also lead to loss of income due to inability to work.
Critical Illness Cover Inclusions
- Cancer of Specified Severity
- First heart attack of specified severity
- Open heart replacement or repair of heart valves
- Coma of specified severity
- Kidney failure requiring regular dialysis
- Stroke resulting in permanent symptoms
- Major organ/bone marrow transplant
- Permanent paralysis of limbs
- Motor neuron disease with permanent symptoms
- Multiple sclerosis persisting symptoms
- Loss of speech
- End stage liver disease
- Deafness
- End-stage lung disease
- Major Burns
- Muscular dystrophy
- Bacterial meningitis
- Aplastic anemia
Critical Illness Cover Exclusions:
- Critical illnesses diagnosed within first 90 days from the inception of policy
- 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
- War, terrorism, civil war, navy or military operations Any dental care or cosmetic surgery
- Infertility treatment
- Hormone replacement treatment
- Treatment done outside India
- Treatment to assist reproduction
Critical Illness Cover Advantages:
- Includes cost of care and recuperation aid
- Tax benefits under section 80D
- Free health checkups