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CRITICAL ILLNESS POLICY BUYING TIPS

Adequate Insurance cover helps put the pieces of your life back together when illness strikes. You will receive a payout when illness strikes if you have Critical Illness Health Insurance plan, which surly helps you financially.

We share our advice, which helps you in getting the best Critical Illness Coverage plan.

  • What is Critical Illness Insurance policy?
    Critical Insurance Cover is a health insurance plan that pays a tax-free lump sum amount if you fall ill due to a disease, which comes as life threatening under the terms of your insurance policy.
  • What does critical illness insurance cover?
    There is variety of terms and conditions, which differs from insurer to insurer, but there are some common conditions that tend to be covered by critical illness policies.

    Permanent disability caused by illness or injury is generally covered by most insurance policies.

    Cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke are generally covers under the Critical Illness insurance.
  • Top tips for insuring against illness
    1.) Make sure that you disclose all of the facts. Typically, you will not be covered for illnesses that you have already suffered, or for which you have family history.

    If you do not tell the insurer all the facts, you may find that your claim being rejected. Therefore, it's always better to read the exclusion condition before making the any insurance purchase.

    2.) While choosing a health insurance plan, don't be just look the insurance premium. The policy features are more important as compared to insurance premium.

    Approx all the policy document are available online, you can simply go through the terms and conditions of the policy.

    If you still have any confusion then it is better to talk with an insurance advisor.

    3.) Some critical illness policies offer severity-based cover. Unlike traditional critical illness cover that pays out the full sum assured for very serious, life-threatening illness, severity-based cover makes lower payouts for less serious cases.


It takes several attempts to an insurance agent to convince a customer to buy Health Insurance, but few minutes on billing counter is more enough to understand the importance of critical illness insurance plan.

Critical illness cover can act as a real protector in case of medical emergency.

If you are looking to buy critical illness plan or changing your current insurance provider, look at our online health insurance comparison platform, which really gives you the insurance offering which suits your need efficiently.
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