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Cancer Insurance Vs Critical Illness Plan

Updated On Dec 04, 2020

We have two major categories of diseases namely critical disease and terminal disease. A terminal illness is one that eventually results in death, and a critical condition is one that incorporates a vital organ. Critical diseases are like cancer, heart diseases, and illness like organ transplants and sort. A critical illness has a tendency to become a terminal disease. 

The lifestyle changes have led to a rise in a lot of diseases in recent years. The World Health Organization had released data in 2018, where they claimed that 1 in every 10 Indians would suffer from cancer somewhere down their life. 

What Is Critical Illness Health Insurance?

A critical illness policy is a health insurance policy that provides coverage in case of life-threatening diseases such as heart attack, cancer, Stroke, and the likes of them. The critical care policies usually cover 10-25 critical conditions and surgeries involved. A critical illness policy provides cover where the general health policy would not provide coverage.

The advantages of critical illness policies are as follows:

  • In most cases, the policy provider offers a lump sum to cover all the expenses that would occur to get the disease treated.
  • The critical illness plan is quite flexible and can be customized according to the policyholder's requirements.
  • The critical care plan usually has a low premium because it covers specific diseases.

What Is Cancer Health Insurance?

Cancer insurance is a very specific insurance policy, and it is health insurance that provides coverage with the financial costs related to cancer treatment, diagnosis, and post treatment care. As we all know, cancer is a very disruptive disease, and anyone suffering from it goes through physical pain and a lot of financial burdens. Cancer insurance usually covers the major organs that are affected by cancer.

The advantages of the Cancer Insurance plan are as follows:

  • If cancer is detected early, then many companies provide the waiver of premiums where the customer can still avail of the entire policy's benefits without paying for future premiums.
  • The cancer insurance covers are usually high in financial value since the treatment cost is generally very high; thus, the policy amount suits that. 
  • The policy provides a lump sum to take care of the treatment when a diagnosis is made.
  • Most of the policies also support the diagnostic process and cover the testing charges.  

Cancer Insurance Plan vs Critical Illness Plan

Points Of Difference Cancer Insurance  Critical Illness Insurance
Premium The premium for cancer insurance is not that much as compared to the critical insurance  The premium is less than the general health policies but it is still more than the cancer insurance. 
Policy Term Goes up to 20 years Goes up to 20 years
Cancer Coverage The policy covers the case, tests, and treatment of cancer at all stages. Even relapses are covered by the policy. The policy does cover cancer but not in the initial stages. The policy also may have that specific cancer clause. 
Suitability The policy is best for people who have had a history of cancer in the family. It is also beneficial if they have been diagnosed in the past.  The policy is best for the people who are approaching a certain age and who have had a history of these critical illnesses in their family. 


The two policies have their own features. The time that we are currently living in makes it very important to have a financial cover if there arises a medical emergency. Therefore, choose according to your requirement and history and get yourself and your family insured.

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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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