Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Sep 06, 2024 6 min read
India is facing an alarming risk of health ailments among the youth due to a sedentary lifestyle, unhealthy eating habits, stress, and other factors. This leads to a long list of critical illnesses and chronic diseases. However, health insurance offers coverage against 64 critical illnesses in India.
In this article, we talk about prevalent critical illnesses in India and the best health plans for the same. Let us dive into the inclusions, exclusions, and more.
As per the World Health Organization (WHO) report, chronic diseases/critical illnesses are the major reason for deaths in India, resulting in over 53% of overall mortality rates. Critical illnesses such as cancer cause over 10 Lakhs deaths in India, stated The Lancet Regional Health Southeast Asia journal via Live Mint.
Firstly, what is a critical illness and how does critical illness insurance work?
Critical illness in the insurance sector is defined as a preset dreadful disease in the critical illness list of the insurance coverage section. The insurer contracts to pay the policyholder for a lump sum amount on diagnosis of any one of those. A critical illness policy provides financial and medical protection against life-threatening diseases. Given that, one should fulfil the initial waiting period to claim against a critical illness treatment.
Critical illness in the insurance sector is defined as a preset dreadful disease in the critical illness list of the insurance coverage section. The insurer contracts to pay the policyholder for a lump sum amount on diagnosis of any one of those. A critical illness policy provides financial and medical protection against life-threatening diseases. Given that, one should fulfil the initial waiting period to claim against a critical illness treatment.
This page has it all including a detailed list of critical illnesses for insurance, best plans for critical illnesses, its inclusions, exclusions, and so on.
Key Takeaways
It’s important to understand that the list of 64 critical illnesses covered can vary significantly between insurance providers. However, many comprehensive critical illness plans aim to cover a wide range of critical illnesses that are common across health insurance providers, which are mentioned below
Note: This is not a full list of critical illnesses for which you can buy critical illness insurance. For a detailed list of coverage, check your policy documents thoroughly.
Here are some of the best health insurance plans with critical illness coverage that will support you all-in-all when in need:
Critical Illness Plans | Entry Age | Sum Insured | Initial Waiting Periods |
---|---|---|---|
Niva Bupa CritiCare | 18 - 65 years | 3 L - 2 Cr | 90 days |
ManipalCigna Lifestyle Protection | 18 - 65 years | 1 L - 25 Cr | 90 days |
Care Critical Mediclaim | 18 - 65 years | 10 L -2 Cr | 90 days |
Star Critical Illness Multipay | 18 - 65 years | 5 - 25 L | 12 months |
HDFC ERGO Critical Illness Platinum | 5 - 65 years | 1 L - 50 L | 90 days |
Critical illnesses are not just an affair of expensive treatments and financial brokerage, it also shatters the patient’s whole world and their family’s future in a go. What if we say, you can be covered for a treatment against critical illness after keeping your emergency funds intact and having your family’s back?
Yes, this is true. A critical illness coverage health insurance policy covers all sorts of your treatment expenses, hospitalization charges, and payout monthly income while you’re not able to provide for your loved ones.
To know more about individual, family, senior citizen, and group health insurance, schedule your appointment with PolicyX advisors today!
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Yes. The changing lifestyle and fast-paced world have turned us prone to critical illnesses that may be deadly most of the time. For the diagnosis and treatment, you need critical illness insurance which will help you cope with financial distress.
There are multiple critical illness policies, including Care Freedom, ManipalCigna Lifestyle Protection Critical Care, and more. For more details, you can connect with our insurance advisors.
The minimum to maximum entry age for buying a critical illness insurance policy is between 18 to 65 years.
A critical illness policy is a must-buy insurance product for an individual who; has a family history of critical illness/es, is the sole breadwinner of the household, is above 40 years of age and prone to getting ill frequently, has a high-risk job that demands regular treatment, has undergone any cardiac surgery or dialysis, etc.
As per the government health reports 5 majorly common critical illnesses in India are cancer, stroke, heart attack, kidney failure, and organ transplant due to dysfunctionality.
Critical illnesses refer to medical conditions that are difficult to treat or are terminal. Around the world, there are some common critical illnesses recognized by health insurers. Cancer, brain tumors, heart ailments, and kidney failure, are some common examples of critical illnesses.
The common categories of 64 critical illnesses covered by health insurance providers in India are cardiovascular illnesses, cancers of different severity, neurological disorders, and more.
There is no universal list of 64 critical illnesses. However, a common list of 64 critical illnesses across different categories are covered by health insurance providers in India.
Coverage against 64 critical illnesses is a boon for individuals of all age groups, especially those with a family history of critical illnesses. You are covered for hospitalization expenses, OPD care, Doctor consultations, diagnostics, pharmacy, and more.
Yes, you can be covered against the list of 64 critical illnesses depending on the health insurance plan you opt for yourself.
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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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