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About Critical Illness Insurance

Critical Illness Insurance

Critical illness is a serious health condition that has a debilitating effect on an individual’s lifestyle and requires a considerable amount of money towards treatment. It may also lead to loss of income due to inability to work.

Critical Illness Cover Inclusions

Cancer of Specified Severity
First heart attack of specified severity
Open heart replacement or repair of heart valves
Coma of specified severity
Kidney failure requiring regular dialysis
Stroke resulting in permanent symptoms
Major organ/bone marrow transplant
Permanent paralysis of limbs
Motor neuron disease with permanent symptoms
Multiple sclerosis persisting symptoms
Loss of speech
End stage liver disease
Deafness
End-stage lung disease
Major Burns
Muscular dystrophy
Bacterial meningitis
Aplastic anemia

Critical Illness Cover Exclusions:

Critical illnesses diagnosed within first 90 days from the inception of policy
Death within 30 days of diagnosis of critical illness or surgery
Illness due to smoking, tobacco, alcohol or drug intake Illness occurring due to internal or external congenital disorder
Critical conditions or consequences due to pregnancy or childbirth, including caesarean
HIV/AIDS infection
War, terrorism, civil war, navy or military operations Any dental care or cosmetic surgery
Infertility treatment
Hormone replacement treatment
Treatment done outside India
Treatment to assist reproduction

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