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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
  • Loss of speech
  • End stage liver disease
  • Deafness
  • End-stage lung disease
  • Major Burns
  • Muscular dystrophy
  • Bacterial meningitis
  • Aplastic anemia
Critical Illness Cover Inclusions
  • 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