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What is Critical illness insurance?
- Critical illness Insurance Plans are health insurance plans which specifically cover terminal & critical illnesses like cancer, stroke, heart diseases etc. Critical illness plans can be bought as a standalone plan or can be added as an add-on rider upon paying an extra amount over your regular health insurance policy.
- A critical illness plan bought along with Health Insurance will pay a lump sum amount over and above your hospitalization cost.
- Diseases of heart, lung, kidney etc. require regular medical interventions, hospitalizations, etc. which can drive up the cost of healthcare. Thus, getting a critical illness insurance plan can help take care of expensive treatments.
What are Benefits of buying critical illness insurance?
- Getting quality healthcare services can be an expensive affair. Moreover, treatment costs of terminal or serious illnesses like cancer, lung disease and treatments can seriously deplete financial resources.
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Although it is difficult to imagine getting struck by a terminal or serious illness, the practical solution is to buy a critical illness insurance plan. The benefits of the best critical illness plan include:
Coverage of more than 30 critical illnesses like cancer, tumour, lung & heart disease, neural disease etc.A lump sum pay-out upon confirmed diagnosis to cover treatment costs.Lump Sum amount will help insured to cover any loss of income caused due to critical illnessQuick & worry-free claim processing to help the affected individual.Tax Benefits. You claim tax under section 80D in India
What’s the Difference between critical illness & health insurance policy?
- A critical illness insurance plan is different from a health insurance policy in terms of the type of coverage provided.
- Health insurance is a medical plan which covers medical costs in case of emergencies, accidents, and other general illnesses such as diabetes, hypertension etc
- Critical illness plans are tailor made to take care of medical expenses incurred in the treatment of a terminal or life-altering disease such as paralyses, tumours, neural disorders, renal failures etc. Your Health Insurance will pay for such ailments, but will only cover hospitalization expenses, whereas a critical illness plan will pay you a lump sum amount upon diagnosis of such ailments which will be over and above what your Health Insurance plan will pay.
- Critical illness plans are tailor made to take care of medical expenses incurred in the treatment of a terminal or life-altering disease such as paralyses, tumours, neural disorders, renal failures etc. Your Health Insurance will pay for such ailments, but will only cover hospitalization expenses, whereas a critical illness plan will pay you a lump sum amount upon diagnosis of such ailments which will be over and above what your Health Insurance plan will pay.
Here are the key differences between Critical Insurance Plan & Health Insurance Policy:
| Critical Illness Insurance | Health Insurance |
|---|---|
| Only diseases which are mentioned in ‘critical illness’ list are covered under critical illness insurance policy. | A general health plan covers emergency medical needs such as ambulance costs, hospitalization & treatments for emergencies, accidents etc. |
| It is particular to select disease and only covers medical costs required in treatment of that illness. For example- cancer care. | It covers medical costs pre & post hospitalization, medical check-ups, laboratory costs etc. in case of hospitalization caused due to accidents, illnesses, or emergencies. |
| There are no add-ons for general hospitalization costs for medical issues other than critical illness. | A health insurance plan may offer critical health insurance as an add-on benefit. |
| Lump sum payment upon confirmed diagnosis, even without hospitalization | Medical costs are reimbursed upon submission of bills and then the claim is settled. |
| Variable waiting period depending on the nature & severity of illness. For example- cancer in early stages may not be covered. | Fixed waiting period before plan is applicable. For example- 30 days after purchase of a health plan, it is active. |
What are Critical Illness Insurance Plan ?
- Illness & disease can be devastating for an individual and their loved ones. The high costs of treatments can cause further agony. Lifestyles which lead to stress, substance abuse and low immunity make it even more important for everyone to opt for a critical illness insurance cover.
- The sooner an individual buys the cover, the better, as the waiting period on critical illness covers can be up to a few years.
What are Critical Illness insurance coverages?
- Every insurance provider has a different list of diseases covered under various critical illness plans. You must go through the list of diseases covered under critical illness and understand inclusions as well as exclusions of the plan.
- For example- many insurance providers do not provide health insurance for people with HIV/AIDS and smokers who contract a critical illness.
How Elephant.in works?
It is as easy as ABC to buy a critical illness insurance plan with Elephant Insurance!
- Visit www.elephant.in and click on “Critical Illness” product
- Fill in your details with requirements and put in a request for a quote.
- Our team will get in touch with you with a customised critical illness plan.
- Pay your premium online and get covered.
Help Section/FAQ:
A critical illness insurance plan is a plan specifically covering 'critical' or terminal diseases like cancer, stroke, heart & lung disease etc. It can be an add-on benefit on your health insurance plan or a standalone insurance policy.
The policyholder is eligible for a lump sum pay out upon confirmed diagnosis to help cover cost of treatments. There can also be a pay out to compensate for loss of income caused due to a terminal illness. Other benefits include No Claim Bonus and Tax Benefits under 80D of Income Tax Act in India.
Any person over the age of 18 is eligible for a critical illness insurance plan. If the person is healthy, with no precondition, there is no requirement of a medical check-up, and they can buy a critical insurance policy online.
There are more than 30 different critical illnesses/ conditions covered under critical illness plans. Every insurance provider has different 'critical illnesses' that they cover and you must compare different plans before purchasing one.
Almost all critical insurance plans cover cancer. However, many plans do not provide coverage after diagnosis of cancer. Some rare cancers may not be covered by a critical illness plan. Please read the list of critical illnesses covered by insurance providers before buying a critical illness plan.
The sum assured varies among insurance providers. You can choose a cover with maximum sum assured, depending on your needs, age, family history and medical requirements.
What our Customers Say
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For EmployersThe elephant has given a wide range of options at the best price to our employees under a single umbrella. A very unique business model and a bridge between retail insurance and corporate package.
Kumar GyanendraHuman Resource(HR)Endureka -
For EmployeesElephant got my renewal at a price 5000 bucks lower than the renewal notice premium. These guys mean what they say when they say Killer Prices.
Sushama GhateTeam CoordinatorHyperLinks -
For EmployeesGreat support and service from Team Elephant. Always available and absolutely love how smoothly the whole process went by. Thanks for all support and help!
Aishwarya NairGraphic DesignerFreelancer -
For EmployeesI went through the website and I must say it was really a smooth and delightful experience. Laxmi is very interactive and your focus on minutest of details made it fun buying an insurance policy.
Nikhil ShuklaRelationship ManagerReliance
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For EmployeesElephant got my renewal at a price 5000 bucks lower than the renewal notice premium. These guys mean what they say when they say Killer Prices.
Sushama GhateTeam CoordinatorHyperLinks
-
For EmployeesGreat support and service from Team Elephant. Always available and absolutely love how smoothly the whole process went by. Thanks for all support and help!
Aishwarya NairGraphic DesignerFreelancer
-
For EmployeesI went through the website and I must say it was really a smooth and delightful experience. Laxmi is very interactive and your focus on minutest of details made it fun buying an insurance policy.
Nikhil ShuklaRelationship ManagerReliance
-
For EmployersThe elephant has given a wide range of options at the best price to our employees under a single umbrella. A very unique business model and a bridge between retail insurance and corporate package.
Kumar GyanendraHuman Resource(HR)Endureka
Alliance Insurance Brokers Pvt. Ltd.
8th Floor, Gold Crest, 10th Road, Juhu, Vile Parle (W), Mumbai 400
049, India
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CIN: U67200MH2003PTC141621
IRDAI Registration No.: 217
Valid from : 13/10/2024 to 12/10/2027
Category : Composite Broker
Principal Officer Name: Mr. S. V. Thakkar
CIN: U67200MH2003PTC141621
IRDAI Registration No.: 217
Valid from : 13/10/2024 to 12/10/2027
Category : Composite Broker
Principal Officer Name: Mr. S. V. Thakkar
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