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Types of Critical Illness Health Insurance Covers

Published On Sep 28, 2021

During the past few years, health insurance policies have gained immense importance as the cost of basic treatments have increased and they can potentially burn a hole in the pockets of the policyholders. To help the policyholders from exhausting their financial savings, the health insurers have rolled out several health insurance plans that have different features but ultimately have the same purpose, which is to compensate for the financial expenses of the individuals at the time of a medical emergency. There are different types of health insurance plans like maternity benefit plans, senior citizen plans, critical illness plans, family floater plans, and much more.

Critical illness plans cover for the medical expenses that may incur due to the treatment of a chronic disease like diabetes, cancer, hypertension, heart diseases, lung disorders, and much more. The cost of treatments for critical diseases is very high that it can drain the entire savings of an individual and therefore, it is important to have some financial aid for the medical expenses. It relieves the stress of the finances while seeking treatment and provides other benefits like no claim bonus, tax reduction, healthcare treatments, etc. to the policyholders under a single plan.

Types of Critical Illness Health Insurance Covers

About Critical Illness Health Insurance Plans

Critical illness health insurance plans are policies which compensate for the medical dues that are incurred during the treatment of a life-threatening disease like diabetes, heart attack, stroke, cancer, and much more. It covers a certain list of chronic disorders and provides lump sum payment to the policyholders at the time of claim settlement process. It can also replace the loss of income that is incurred due to the treatment of the critical disease, thus supporting the families of the policyholders at the time of financial stress. Following are some of the prominent features of critical health insurance plans:

Must Read: Difference Between Health Insurance and Critical Illness cover

  • These plans can cover a range of different critical illnesses like tumour, kidney failure, cancer, stroke, and a lot more.
  • At the time of the claim settlement process, the insurer offers the policyholder with the lump sum payment of the claim amount.
  • The claims are made on the basis of the diagnosis report of the policyholder.
  • The features and perks of this plan can be availed at the end of specified waiting period.
  • The lump sum payment of the claim amount can be used as a compensation for the loss of income incurred during the treatment of a chronic disease.

Types of Critical Illness Health Insurance Plans

The critical illness health insurance plan is provided for a wide range of critical illnesses. Mostly around 32 chronic diseases are covered under critical illness plans. You should never lie about your pre-medical conditions to the health insurance providers as it can lead to rejection of your claim request, for the expenses incurred due to the treatment of the underlying medical conditions. Let us look at some of the different types of critical illness plans that are offered to the policyholders:

1. Standalone Policy

This is a fixed benefit critical illness policy which can be bought by the policyholders after undergoing a pre-medical test. This is one of the flexible options for the critical illness plans and it can be ported to a similar insurance plan by the policyholder. This plan is both cost-effective and extensive for different groups of people in the society.

2. Rider Plans

This is an add-on health insurance cover which can be bought along with the base health insurance cover after paying an extra amount of premium for enhanced coverage. It cannot exceed the coverage of the base plan and it requires no pre-medical test for buying this plan. This add-on plan cannot be ported like the standalone plans bought by the policyholders.


You can avail the benefits and financial aid for the treatment of any critical disease mentioned in the purchased health insurance plan. You must carefully read the policy related documents to understand the inclusions and exclusions of your critical illness health insurance plans.

Also Read: Best Critical Illness Insurance Plans In India

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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