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Category: Health Insurance

Critical Illness Cover

This additional cover, if opted, will allow the insurer to pay a lump sum amount in case of first diagnosis of any one critical illness listed by the Insurer. The lump sum amount will vary depending on the plan selected.

It is also subject to survival and waiting periods as per terms specified by the insurer. The following is a list critical illnesses that are usually covered under this benefit,

  • Heart attack
  • Multiple sclerosis
  • Stroke
  • Cancer
  • Major organ transplantation
  • Coronary Artery Bypass Surgery
  • Paralysis
  • Kidney Failure
  • Aorta Graft Surgery
  • Primary Pulmonary Arterial Hypertension
  • Heart Valve Replacement
  • Parkinson’s Disease
  • Alzheimer’s Disease
  • End Stage Liver Disease
  • Benign Brain Tumor

However, the list of critical illnesses covered is specific to Insurer either as a standard list or optionally chosen list.

The survival period will be calculated from the date of first occurrence or medical event or surgical procedure.