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Affordable Health Insurance Plans For Critical Illnesses in India

Updated On Apr 28, 2021

A Critical Illness Insurance policy protects the insured from life-threatening critical illnesses such as cancer, heart attack, and renal failure, among others. This Critical Illness Policy offers a lump sum coverage amount that can offset exorbitant medical costs incurred because of critical illnesses covered by the insurance policy.

Affordable Health Insurance Plans For Critical Illnesses in India

Affordable Health Insurance Plans For Critical Illnesses In India

Here are a few Benefits of Critical Illness Insurance:

  • Severe Illness Coverage- Up to 36 major critical illnesses, such as a tumour, cancer, kidney failure, heart problems, and so on, are covered.
  • Lump-sum Payout- For the care of insured diseases, the insurer makes a onetime payment.
  • Easy Claim Processing- Based on the diagnosis report, the claim can be processed quickly (s).
  • Waiting Period- Typically, coverage is given after the waiting period has ended.
  • Benefit Replacement- A portion of the lump sum will cover lost income

Critical Illness Insurance Policy Comparison

Health Insurance Company Plans Benefits
HDFC Ergo General Insurance Critical Illness Insurance
  • Cover for 15 Critical Illnesses
  • Payment in Lump sum, For a Term of 1 or 2 Years
Reliance General Insurance Critical Illness Insurance
  • 10 Life Threatening Critical Illnesses
  • Along With Other Benefits Like Wide Sum insured Options
Star Health And Allied Insurance Criticare Plus
  • Daycare Procedures
  • Emergency Ambulance Expenses
  • Non-Allopathic Treatments
Bajaj Allianz General Insurance Critical Illness Plan
  • Cover for 10 Critical Illnesses Including Cancer, Heart Attack, etc.
  • Expenses Incurred on Treatment in India And Abroad
Universal Sompo General Insurance Critical Illness Policy
  • Cover for 11 Critical Illnesses along With Surgical Procedures, etc.
Aditya Birla Health Insurance Cancer-Secure
  • Cover for early, major, and advanced stage cancer
  • 50% sum insured in case of early stage cancer
  • 100% of sum insured is paid on case of major stage cancer
  • 150% of sum insured is paid in case of advanced stage cancer

Bharti AXA General Insurance Company Limited

SmartHealth Critical Illness
  • Hospital cash allowance
  • Domiciliary hospitalisation expenses
  • All daycare procedures

Cholamandalam MS

Critical Healthline Policy
  • Cover for 10 critical illnesses under standard policy
  • Cover for 12 critical illnesses under advanced policy
  • Ambulance expenses

Raheja QBE General Insurance

Cancer Insurance
  • Payment in lump sum on acceptance of cancer
  • Expenses related to pre-policy medical screening for up to 50%

ManipalCigna Health Insurance

Lifestyle Protection Critical Care Insurance Plan
  • Coverage of 15 and 30 major illnesses under Basic and Enhanced plans respectively

Take Away

A critical illness policy provides extra compensation to the insured for medical emergencies such as stroke, heart attack, cancer, and other illnesses. Since these emergencies or illnesses often result in higher-than-average medical costs, the underinsured individual covered by these plans receives cash to cover those expenses that a traditional health insurance policy does not cover.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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