Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Types of Illness Covered Under Critical Illness Rider

Published On Jul 23, 2021

As term insurance policies are designed to give financial recompense to your beneficiaries in the case of your death, the coverage can be enhanced by adding riders. Riders are attachments or extensions that can be added to a life insurance policy to provide additional coverage under certain conditions. The Critical Illness Benefit Rider is one of the most prevalent sorts of riders. When this rider is added to a term insurance policy, it improves coverage for the insured in the event that he or she is diagnosed with a critical illness while the policy is in effect.

What is a Critical Illness Rider?

A critical illness rider protects the policyholder in the event that he or she is diagnosed with a critical illness. Its goal is to reimburse any medical expenses incurred as a result of the critical disease. The benefits are paid out in a flat sum, regardless of the actual costs incurred. This sort of rider pays out only once during the policy term, and the maximum benefit granted varies by firm.

The list of critical illnesses that are covered by the rider and can be added to a term insurance policy varies based on the insurance company. However, there are some common health concerns that are normally covered by most term insurance plans if a critical illness rider is attached.

Types of Illness Covered Under Critical Illness Rider

The following are five frequent health problems and illnesses that can be covered by a term insurance policy with a critical illness rider:

1. Diabetes

Diabetes has become a widespread lifestyle illness in recent generations, owing to our changing diets and decreased physical activity. When diagnosed with diabetes, a critical illness rider connected to a term plan can assist manage the expenses of medications and medical visits.

2. Heart Conditions

Hectic schedules and stressful lifestyles are variables that have contributed to an increase in the number of persons acquiring various cardiac ailments. These include excessive blood pressure and coronary artery disease, which can lead to a heart attack in severe circumstances. A critical illness rider on a term plan can assist cover the costs of medication, surgery, and cardiac rehabilitation.

3. Kidney-Related Diseases

Kidney problems are very common in the senior population. Term insurance policies with critical illness riders can cover the costs of treating kidney-related disorders such as renal failure.

4. Lung diseases

Bad behaviours like smoking or vaping can have a negative impact on your respiratory system, particularly the lungs. However, as pollution levels rise, even nonsmokers are at danger of developing ailments such as asthma and chronic obstructive pulmonary disease. A term plan can be used to cover the costs of treatment and medicines for such lung conditions by adding a critical illness rider.

5. Cancer

A term insurance policy that includes a medical rider, such as a critical illness benefit, can help you manage the costs of treatment for a catastrophic illness like cancer. Although it is limited to a specific stage of cancer, it can assist pay the costs of medication, procedures, testing, and other forms of therapy.


In its most basic form, a life insurance policy can provide financial protection for your life and the lives of your loved ones. However, term insurance with a critical illness rider can provide coverage that extends far beyond financial security. The addition of a critical illness rider makes the policy more affordable than typical insurance policies while also ensuring that you are not financially wrecked if you get any of the common health concerns listed above.

It is strongly recommended to get this form of rider if you have a critical disease. This is due to the fact that critical illnesses frequently entail high fees that may be costly for you or your family members in the event of your untimely death. The benefits of a critical illness rider will significantly assist you in covering such costs.

Also read - What Type Of Riders Are Suitable For Money-Back Plans?

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.   

Popularly Opted Term Insurance Sum Assured

People Also Read

Must BuyMust Buy

Why to Buy Life Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 1,50,000*
  • Claim support everyday 10AM-7PM
  • 50 Lacs+ happy customers
Find the right life insurance for you
By clicking, I agree to *terms & conditions  and privacy policy.
Find the right life insurance for you
By clicking, I agree to *terms & conditions  and privacy policy.