Illness cover

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Illness cover

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Category : Insurance Planning


Critical Illness cover:

Critical Illness meaning: 

It is a health condition that may seriously affect an individual’s day to day life and requires a hefty amount for this treatment.Further, critical illness also may cause lose of job due to incapacitated health condition.Owing to this an individual may opt for a critical illness insurance cover to arrest such a medical condition so that an individual’s family do not come to road due to this permanent disability.It has so far been evident that an individual’s family get rudderless to arrange money for treatment rather than being with the patient who need mental support at that time most.To counter this, therefore, an individual must take a critical illness insurance cover so that his future dreams for himself  and for his family too keep intact in future as well.

This is also very important to discuss here that some people compare health insurance with critical illness insurance cover.That is not right at all.As health insurance is for general medical conditions and critical illness insurance is for critical health conditions.

Which illness to cover:

  1. Cancer of Specified Severity
  2. First heart attack of specified severity
  3. Open chest CABG
  4. Open heart replacement or repair of heart valves
  5. Coma of specified severity
  6. Kidney failure requiring regular dialysis
  7. Stroke resulting in permanent symptoms
  8. Major organ/bone marrow transplant
  9. Permanent paralysis of limbs
  10. Deafness
  11. End-stage lung disease
  12. Fulminant viral hepatitis
  13. Major burns
  14. Muscular dystrophy
  15. Motor neuron disease with permanent symptoms
  16. Multiple sclerosis persisting symptoms
  17. Aplastic anemia
  18. Bacterial meningitis
  19. Loss of speech.

The critical illnesses mentioned above are  just indicative and not exhaustive in nature.Insurance companies may include some different illness as well which are not mentioned above.So, individual’s are advised to carefully read policy terms & conditions before purchasing and take utmost care while making inclusions the illness to their policies.We are not suggesting to read all the terms & conditions line by line but to understand which critical illness covers are included in their policies.

Some of the insurance companies and their coverages for critical illness are given below.

Insurance Company
Plan Name
No of Diseases Covered
Religare Assure 20
Bharti AXA General Insurance Smart Health Critical Illness – Lump sum 20
Max Bupa Health Insurance Health Assurance Critical Illness 20
Reliance General Insurance
Reliance Critical Illness 10
Total Health Plan 1 17
Total Health Plan 2 17
HDFC ERGO General Insurance Critical Illness Plan 8
Cancer Care Silver 1
Cancer Care Gold 1
Cancer Care Platinum 1
Apollo Munich Health Insurance Optima Vital 37
CignaTTK Health Insurance
Basic 15
Enhanced 30
Edelweiss Tokio ET Criticare+ 17
PNB Metlife MetLife Major Illness Premium Back Cover 35
AEGON Life iCancer 1

Individuals are advised to go through the policy Terms & Conditions very well so that it does not indulge to any future mistrust upon insurance companies.An individual must consider some of the family medical history or background i.e some pre- existing illness of their parents and grand parents,which they are quite prone to continue due to heredity or genetics.Also, there might be some exceptional cases as well.


No need to worry if you are covered with critical illness insurance.The insurance company will provide you a lump sum amount if you are diagnosed with some of the predefined critical illnesses.It may so happen that your actual expenses are less but the characteristics of critical illness insurance policies is that the insurance company would pay the actual sum assured for different illness what ever may be the actual hospitalisation expenses.

This article is not meant for any financial indulgence to any insurance companies and rather the actual facts have been put forwarded for the readers.

“Happy Reading”



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