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Critical Illness Insurance

A lump-sum benefit paid on confirmed diagnosis of a specified critical condition, cancer, heart attack, stroke, renal failure and up to 60 others, regardless of the actual treatment cost. Designed to replace income, bridge treatment gaps and fund the recovery period that health insurance does not cover.

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Coverage at a Glance
Lump Sum on Diagnosis

Benefit paid on confirmed diagnosis, not after treatment

36-64 Conditions Covered

Cancer, heart attack, stroke, renal failure and more

Use Funds Freely

No restrictions on how the benefit is applied

No Hospitalisation Required

Benefit is triggered by diagnosis, not by admission

36-64Critical Conditions
LumpSum Payout
30 DaySurvival Period
IRDAICompliant
Coverage

What Your Policy Covers

A structured placement designed to close every material gap in your risk exposure, not a standard policy sold off the shelf.

Cancer of Specified Severity
Covers malignant tumours characterised by uncontrolled growth and spread to other tissues, across all sites specified in the policy. Early-stage conditions may be covered under enhanced plans.
First Heart Attack
Covers the first occurrence of myocardial infarction of specified severity, with evidence of new cardiac muscle death confirmed by ECG changes and elevation of cardiac biomarkers beyond specified thresholds.
Stroke with Permanent Symptoms
Covers cerebrovascular accident resulting in permanent neurological deficit lasting beyond 90 days, affecting speech, movement or cognitive function, confirmed by imaging.
Major Organ Transplant
Covers transplant of heart, lung, liver, kidney, pancreas or bone marrow as the recipient, necessitated by irreversible end-stage organ failure.
Kidney Failure Requiring Dialysis
Covers end-stage renal disease of both kidneys requiring permanent renal replacement therapy, dialysis or renal transplant, due to irreversible failure.
Coronary Artery Bypass Surgery
Covers open heart surgery to correct coronary artery narrowing or blockage, where bypass grafting is performed under general anaesthesia with angiographic confirmation of the underlying disease.
Critical Illness AdvisorsCritical Illness Advisors
Our Approach

The Financial Cost of a Critical Illness Is Rarely the Hospital Bill

For most critical illnesses, the hospital bill is only the beginning. Lost income during treatment, which typically runs six to eighteen months, post-treatment care, dietary requirements, rehabilitation and the accumulated financial disruption of a prolonged illness cost multiples of the treatment itself. Critical illness cover provides the lump sum to address all of it.

We compare CI plans on condition definition quality, the wording of 'cancer of specified severity' and 'first heart attack' varies significantly between insurers and directly determines whether a borderline claim is accepted or declined.
We size the sum assured to replace 18-24 months of your net income, the typical duration between diagnosis and return to work for major critical illnesses, rather than focusing solely on anticipated treatment costs.
We position CI cover as the income replacement complement to your health insurance: health pays the hospital bills; CI covers the income gap and recovery costs that health insurance does not address.
Who Needs This

Who Carries This Risk

If your situation matches those described below, this cover belongs in your financial plan.

01
Individuals with Family Medical History
A family history of cancer, cardiac disease or stroke materially elevates personal risk. CI insurance is most valuable when purchased before the condition develops, when premiums are lowest.
02
Corporate Professionals in High-Stress Roles
Sedentary office work, high job stress, irregular health monitoring and lifestyle risk factors elevate cardiovascular and lifestyle disease probability in this group.
03
Self-Employed Business Owners
A critical illness stops business revenue immediately and without warning. CI provides the cash flow to maintain both business operations and personal finances during the treatment and recovery period.
04
Individuals with Inadequate Health Cover
Those with health insurance sum insured below ₹10-15 lakh face significant out-of-pocket exposure for major treatments. CI cover fills this gap with a lump sum that is not subject to hospital bill scrutiny.
05
Mid-Career Earners with Fixed Liabilities
An individual in their 40s with a home loan, children's education funding and retirement savings still accumulating cannot absorb the financial impact of an uninsured critical illness.
06
Sole Breadwinners
Any individual whose income is the primary support for a family needs CI cover to bridge the income gap that a prolonged illness creates, regardless of whether health insurance covers the treatment itself.
How We Work

From Brief to Bound Cover

Three steps from your first conversation to a policy that is correctly structured and priced.

01
Risk Profile Assessment
We review your medical history, family health background, lifestyle factors and financial obligations to determine the appropriate CI sum assured and the condition set most relevant to your risk profile.
02
Plan Comparison
We compare CI plans across life and general insurers on condition count, definition quality, survival period requirements, premium and the insurer's track record in settling CI claims without definitional disputes.
03
Claims Documentation Support
On a diagnosis, we advise on the exact medical documentation required for the claim, liaise with the insurer's medical team and advocate for a prompt settlement decision, definitional disputes are common and benefit from professional support.
Key Benefits

Why Clients Place This Cover Through Us

Condition Definition Analysis
We review the precise wording of each condition definition before recommending a plan. 'Cancer' and 'heart attack' mean different things in different policies. Poor definitions create denied claims on conditions the policyholder reasonably expected to be covered.
Income Replacement Sizing
We size CI cover to replace 18-24 months of your net income, not a round number. This is the metric that determines whether CI cover actually replaces your income during recovery.
Health Insurance Integration
We position CI as the income replacement layer above your health insurance, health covers the bills, CI covers the income loss and everything else. Together, they provide genuinely comprehensive cover.
Claim Documentation Guidance
CI claims require specific medical evidence that must match the policy's condition definitions precisely. We guide you through exactly what is needed and manage the submission process to minimise documentation-based delays.
FAQ

Common Questions

The benefit is paid on confirmed diagnosis of a covered condition, subject to the survival period, typically 30 days after diagnosis. This means the policyholder must survive for 30 days following diagnosis for the claim to be payable. Some modern plans have reduced or eliminated the survival period for certain conditions; we confirm the terms before recommending a plan.
No. Health insurance reimburses actual hospitalisation and treatment costs on an indemnity basis, it pays bills presented to the hospital and reimbursed against receipts. Critical illness insurance pays a fixed lump sum on diagnosis, regardless of actual treatment cost and without requiring hospitalisation. The benefit can be used for any purpose, treatment, income replacement, debt repayment or recovery costs.
Most critical illness plans have an initial waiting period of 90 days from the date of policy inception, during which no claims are payable. Conditions diagnosed or first showing symptoms within this period are excluded. After 90 days, the full policy coverage applies.
Yes. A health insurance claim pays for hospitalisation and treatment costs. A critical illness claim pays the lump-sum benefit on diagnosis. Both claims are independent, they are triggered by different events (incurred costs versus confirmed diagnosis) and can both be made for the same underlying condition.
This is the most common source of CI claim disputes. An early-stage cancer may not meet the 'specified severity' threshold. A cardiac event may not produce the required biomarker elevation. We select plans with the broadest and most inclusive condition definitions, and review the fine print of each definition before recommending a plan, because a CI claim is only as good as the definition that governs it.

Critical illness cover sized to replace your income during recovery, not just to pay your hospital bill.

Most CI policies are under-sized and placed without careful review of condition definitions. Both can be fixed before you need to claim.

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Related Products

Other Covers to Consider

Health Insurance
Hospitalisation and treatment cost cover, the medical expense complement to CI's income replacement function.
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Term Life Insurance
Income replacement for your family on death, the companion protection to CI for individuals who need cover for both death and living illness events.
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Personal Accident
Lump-sum accident cover for disability, addressing the accidental cause of income loss that CI does not cover.
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