Critical Illness means any illness, disease, or health condition that are life-threatening and require comprehensive health care and continuous monitoring, often even intensive care. Health issues such as Cancer, Kidney failures, Stroke, Heart Attacks (Myocardial Infarction), Multiple Sclerosis, and Paralysis come under Critical Illnesses.
Need for Critical Illness
Cardiovascular diseases, cancer, stroke, chronic obstructive pulmonary disease is some of the significant health ailments in India. One of the reasons why these conditions are categorised under critical illness is that these diseases affect vital body parts such as the heart, lungs, liver, skeleton and brain. Early diagnosis of these diseases in most case is not possible due to a variety of reasons such as negligence and lack of pre-emptive health check-ups. As a result, the disease continues to affect an individual for days, months, and years before the diagnosis becomes possible, and treatment is started.
What it Covers?
- Safeguards your finances
Your treatment will have little or no impact on your hard-earned savings as the insurance will take care of the hospital bills.
- Ensures quality medical treatment
You won’t have to worry about not being able to afford the medical expenses at quality hospitals. Courtesy the insurance, you can get the best treatment available that will get you up and running in no time.
- Free Look Period
We provide a free look period of 15 days starting from the date of receipt of the policy document.
- Lifetime Renewability
The policy can be renewed for a lifetime period.
- No medical Check-ups
No medical check-ups up to the age of 45 years.
- Tax saving under section 80D
Taking this insurance will also give you tax benefits and you can save tax up to ^^Rs. 50,000.
What it does not Cover?
- Adventure sport injuries
Adventure sports can give you an adrenaline rush, but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.
- Self-inflicted injuries
You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.
War can be disastrous and unfortunate. However, our policy does not cover any claim that are caused due to wars.
- Participation in defence operations
Our policy does not cover accidents while you are participating in defence (Army/Navy/Air Force) operations.
- Venereal or sexually transmitted diseases
We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.
- Treatment of obesity or cosmetic surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.
Our critical illness policy is comprehensive and flexible enough to fulfil your needs and ensure your well-being. Our solutions aim to provide you a systematic, and transparent approach. We understand the importance of swift response and efficient service in handling claims, which makes it more practical to get critical illness insurance through us.
Talk to us today to start protecting yourself at an affordable price and for reliable claims management.
For registration of claims and to learn more about our claims process please contact our dedicated claims team for advice on an incident/claim.