Explore major life-threatening illnesses commonly covered under Critical Illness Insurance plans from leading insurers. Learn how a lump sum payout protects you.
Explore major life-threatening illnesses commonly covered under Critical Illness Insurance plans from leading insurers. Learn how a lump sum payout protects you.
Covered illnesses vary by insurer and policy terms. Please refer to policy wording for exact illness definitions, waiting periods and exclusions.
Critical IllnessesCovered
Coverage against major life-threatening conditions with lump-sum payouts.
Heart & Circulation
4
Heart Attack
Coverage for first heart attack of specified severity.
Coronary Artery Bypass Surgery
Coverage for CABG/open-chest heart surgery.
Aorta Surgery
Coverage for surgery involving major aortic diseases.
Pulmonary Arterial Hypertension
Coverage for severe pulmonary hypertension.
Subject to Policy Terms
Cancer, Blood & Infections
4
Cancer
Coverage for specified cancer conditions including major and early stage cancer.
Aplastic Anemia
Coverage for severe bone marrow failure conditions.
HIV Due To Blood Transfusion
Coverage for HIV infection acquired through medical transfusion.
HIV Due To Occupational Hazard
Coverage for healthcare professionals contracting HIV occupationally.
Subject to Policy Terms
Organ Failure & Transplant
5
Kidney Failure
Coverage for end-stage renal failure requiring dialysis.
Major Organ Transplant
Coverage for heart, liver, kidney, lung and bone marrow transplant.
End Stage Liver Disease
Coverage for irreversible liver failure.
End Stage Lung Disease
Coverage for severe chronic lung disease.
Medullary Cystic Disease
Coverage for inherited kidney disease.
Subject to Policy Terms
Brain & Nervous System
12
Stroke
Coverage for stroke resulting in permanent neurological symptoms.
Multiple Sclerosis
Coverage for permanent neurological impairment.
Coma
Coverage for medically induced coma causing permanent neurological damage.
Alzheimer's Disease
Coverage for advanced degenerative cognitive disease.
Parkinson's Disease
Coverage for advanced Parkinson's disease causing permanent disability.
Motor Neuron Disease
Coverage for progressive neurological degeneration.
Benign Brain Tumour
Coverage for non-cancerous brain tumors requiring surgery.
Brain Surgery
Coverage for major neurological surgery.
Apallic Syndrome
Coverage for vegetative neurological state.
Creutzfeldt-Jakob Disease
Coverage for rare degenerative brain disorder.
Encephalitis
Coverage for severe brain inflammation causing permanent damage.
Bacterial Meningitis
Coverage for severe meningitis with neurological complications.
Subject to Policy Terms
Senses, Mobility & Disability
10
Paralysis
Coverage for irreversible loss of muscle function.
Blindness
Coverage for irreversible loss of sight.
Loss of Speech
Coverage for permanent speech impairment.
Deafness
Coverage for permanent and irreversible hearing loss.
Loss of Limbs
Coverage for permanent loss of hands or feet.
Muscular Dystrophy
Coverage for progressive muscle degeneration disorders.
Poliomyelitis
Coverage for paralysis due to polio infection.
Loss of Independent Existence
Coverage for inability to perform daily living activities independently.
Permanent Total Disability
Coverage for irreversible total disability due to illness or accident.
Loss of One Limb And One Eye
Coverage for combined permanent disability conditions.
Subject to Policy Terms
Other Serious Conditions
5
Major Burns
Coverage for severe third-degree burns.
Severe Rheumatoid Arthritis
Coverage for advanced rheumatoid arthritis causing disability.
Systemic Lupus Erythematosus (SLE)
Coverage for severe autoimmune disease complications.
Progressive Scleroderma
Coverage for severe connective tissue disease.
Terminal Illness
Coverage for diagnosed terminal medical condition.
Subject to Policy Terms
Note: The above list represents common critical illnesses covered by most insurers. Exact definitions may vary by policy.
How Critical IllnessInsurance Works
1
Diagnosis of Covered Illness
2
Medical Documents Submitted
3
Insurer Verifies Illness Definition
4
Lump Sum Payout Released
5
Use Funds for Treatment & Recovery
What Can The Payout BeUsed For?
Use your lump sum payout freely for medical and personal needs.
Treatment Expenses
Home Recovery
Income Replacement
EMI Payments
Family Support
Lifestyle Expenses
FrequentlyAsked Questions
Common questions and answers regarding Critical Illness insurance.
A critical illness cover pays a lump sum benefit upon diagnosis of a covered illness (such as cancer, heart attack, or stroke). This payout is made irrespective of actual treatment expenses, providing complete financial freedom.
Yes, standard critical illness plans have a survival period (typically 30 days) from the date of diagnosis before the claim payout is released.
Absolutely. The insurer releases a one-time lump sum directly to you. You can use it for EMIs, rent, treatment abroad, home modifications, or daily expenses.
Protect Yourself Against Major Medical Risks
Our experts can help you compare Critical Illness plans from leading insurers. Ensure complete financial security for your loved ones.
Disclaimer: This information is for general awareness only. Please read policy wording for detailed terms, conditions, definitions, exclusions, waiting periods and claim requirements.