What Is Critical Illness Insurance?
Critical illness insurance pays a fixed lump sum on the first diagnosis of a covered serious illness — such as cancer, heart attack, stroke, kidney failure or major organ transplant — irrespective of the actual treatment cost.
The payout can be used for any purpose: treatment not covered by health insurance, recovery and rehabilitation, lifestyle changes, loan repayments or replacing lost income during a long recovery.
With lifestyle diseases increasingly affecting younger age groups, critical illness cover is an important complement to a regular health insurance policy.
Why Do You Need Critical Illness Insurance?
Beyond Hospital Bills
Covers recovery costs, lifestyle changes and loss of income that health insurance does not.
Lump-Sum Payout
Funds can be used however you choose, giving you financial flexibility.
Rising Incidence
Serious illnesses are increasingly affecting people in their 30s and 40s.
Protecting Savings
Prevents long and expensive treatments from draining your investments.
Why Choose Our Critical Illness Insurance Services?
We help you choose a critical illness plan with the right coverage and clear definitions.
Personal Risk Review
We consider family history, age and lifestyle factors.
Illness Coverage Comparison
We compare the number and definitions of covered illnesses across insurers.
Appropriate Sum Insured
Cover linked to your income and expected recovery needs.
Claim Assistance
Support with medical documentation and claim filing.
Our Process
- Assess Your Needs Family, income, liabilities, health and existing cover.
- Compare the Market Plans from leading insurers compared on cover, exclusions and claim experience.
- Recommend the Right Cover Adequate sum insured with only the add-ons that add value.
- Smooth Issuance Help with proposals, disclosures and medical formalities.
- Renewals & Claims Support Timely renewals and full support during claims.
Start Your Journey Today
Speak with our team for a personalised, no-obligation discussion.
Frequently Asked Questions
How is this different from health insurance?
Health insurance reimburses hospital bills; critical illness insurance pays a fixed amount on diagnosis, regardless of actual costs.
Is there a survival period?
Yes. Most plans require survival for a specified period, typically 15–30 days after diagnosis.
Which illnesses are covered?
Coverage varies by plan, commonly including cancer, heart attack, stroke, kidney failure and major organ transplants.
Can I buy it as a rider?
Yes. Critical illness cover is available as a standalone policy or as a rider with term or health insurance.
Is there a waiting period?
Yes. An initial waiting period, often 90 days, applies before claims can be made.