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What is Critical Illness Insurance?

These plans offer a comprehensive cover against a defined list of critical illnesses. While health insurance plans will cover the cost of treatment, critical illness plans offer a lumpsum payment on the first diagnosis of the critical illness. These plans are very affordable and provide cover against most of the major critical illnesses.

Major types of illnesses covered in critical illness plans

The major illnesses covered in most of the plans are as mentioned below. You should check the individual plan details before purchasing

- Cancer
- First heart attack
- Kidney failure
- Major organ /bone marrow transplant
- Stroke resulting in permanent symptoms
- Permanent paralysis of limbs
- Open heart replacement or repair of heart valves
- Multiple sclerosis with persisting symptoms
- Primary Pulmonary Arterial Hypertension

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