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TOP CRITICAL ILLNESS PLANS

A Critical Illness benefit policy provides a fixed lump sum amount to the insured in case of diagnosis of a specified illness or on undergoing a specified procedure. This amount is helpful in mitigating various direct and indirect financial consequences of a critical illness. Usually, once this lump sum is paid, the plan ceases to remain in force.

There are also other types of products, which offer lump sum payment on undergoing a specified surgery (Surgical Cash Benefit), and others catering to the needs of specified target audience like senior citizens.

A Critical Health Insurance Policy would normally provide a Lump sum benefit cover expenses reasonably and necessarily incurred under the following heads in respect of each insured person subject to overall ceiling of sum insured (for all claims during one policy period).

There are varieties of Health Insurance Products design to meet your insurance needs. Compare and choose the best health insurance plan for Individual Health Insurance offered by leading insurers in India.

Insurer

Reliance General Insurance

Bajaj Allianz

TATA AIG

Star Health

HDFC ERGO

Plan Name / Features

Critical Illness

Critical Illness

Criticare

Criticare Plus

Critical Illness

No. of Critical Illness covered

10 Critical illness

10 Critical illness

11 Critical illness

10 Critical illness

8 Critical illness

Cumulative Bonus/ Discount

5% of Sum Insured for every claim free year

Not covered


Not covered


Not covered


Not covered

Lump Sum Benefit/regular hospitalisation benefit

Lump Sum Benefit

Lump Sum Benefit

Lump Sum Benefit

Lump Sum Benefit /regular hospitalisation benefit

Covered

Room Rent

Not Covered

Not Covered

Not Covered

2% of Sum Insured Max. Rs. 4000 per day

Not covered

Ambulance Charges

Not Covered

Not Covered

Not Covered

Rs. 750 per hospitalization Max. Rs.1500/- per policy period

Not covered

Tax Benefit

Covered

Covered

Covered

Covered

Covered

Sum Insured 5 Lakh/ 25 yrs of Age

998

1124

2581

9438

1124

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