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A Detailed Guide On How to Protect Your Family Against Critical Illnesses

Updated On Aug 26, 2022

It's vital to get severe sickness insurance coverage since medical care is becoming more and more costly. The plan can be acquired as only a sole policy or as a rider with such a term insurance or healthcare coverage plan.

About 30 serious diseases, including cancer, coronary artery (Bypass) surgery, multiple sclerosis, etc., are covered by healthcare providers. The healthcare provider will reimburse the total sum covered, which will include the expense of the specified treatment, upon the diagnosis of any one of the serious conditions indicated above. 

Due to the severe sickness, the policy bearer would have an unexpected disappearance of income; nevertheless, the payout will assist the insured person in covering the expense of treatment, financial help for his family, and making up for the disappearance of income. That is why you should buy health insurance for your family to protect them from critical illness.

A Detailed Guide On How to Protect Your Family Against Critical Illnesses

How Can One Protect Himself From Serious Sickness?

Purchasing a healthcare program from a healthcare coverage provider or adding a severe sickness rider to a healthcare coverage policy. These are the surefire ways to avoid the economic difficulties and hassle of serious sickness. If the insured person is found to have one of the severe diseases listed in the severe sickness rider, he would be paid in one approximate amount within a predetermined period of time. 

The payment is distinct from the basic amount guaranteed cover paid out on death or maturity equates to the insured amount guaranteed for the severe sickness policy rider. If the policy bearer receives care or not, the severe sickness insurance payout is made. According to the rules and regulations of the plan, certain providers will pay out additional funds for the severe sickness rider in addition to the amount insured. The sum promised, which is updated after outlying, is subtracted by other corporations from the disbursal earnings.

What Is Severe Sickness Protection?

When a severe sickness is detected, the policy bearer of severe sickness coverage receives an approximate payment from the healthcare company. As a component of the plan, certain ailments are listed on a predetermined list. In addition to aiding the family of the patient with daily needs, this pay helps cover expenses of hospital stays and health bills. The coverage typically varies from Rs 1,00,000 to Rs 10,00,000. If the requirements established by personal insurers are met, greater coverage may be obtained.

Severe Sickness Healthcare Policy Inclusions And Exemptions

Coma, terminal illness, motor neuron disease, chronic liver disease, multiple sclerosis, chronic lung disease, and major head trauma are a few of the typical severe diseases covered under the security net of severe sickness health coverage.

If you suffer from any of the illnesses or injuries listed in the plan, severe sickness coverage will compensate. The insurance also specifies the minimum intensity of the health problem that must exist; some companies offer lesser compensation for less serious diseases. The majority of insurance take disease or injury related to long-term disability into account.

Health issues like hernias, dental procedures, stomach procedures, pregnancy prevention, eye surgery, and other international medical procedures are not covered by severe sickness health coverage.


The greater portion of the cost of medical treatment is carried by people in a nation with some of the poorest spendings for medical care worldwide and also no significant healthcare benefits by our government. It becomes logical in this situation to purchase the insurance policy, which offers comprehensive protection from serious illnesses and mishaps.

Also read: Key Things To Ask Before Buying A Health Insurance Plan

Common Terms To Know Before Buying A Health Insurance Plan


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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