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There are certain aspects of life that we have limited control over, and our health falls into that category. While it’s impossible to have complete control over our present and future health, one significant step we can take is to invest in a suitable health insurance policy. By choosing the critical illness insurance plan, you can enjoy extensive coverage for a wide range of illnesses and medical emergencies, including accidents. These plans are designed to provide you with maximum protection at an affordable price.

However, even with the best medical insurance that aligns with your health insurance needs, you can find yourself lacking adequate coverage if you are diagnosed with a critical illness. Basic health insurance policies often do not include coverage for critical conditions like cancer, cardiac stroke, or paralysis, among others.

That’s why it’s wise to consider opting for the best critical illness insurance according to your needs. With a critical illness health insurance, you won’t have to worry about medical bills when faced with any of the critical ailments covered by the plan.

To ensure sufficient protection against critical illnesses, it’s important to consider purchasing a critical illness insurance policy. The best critical illness insurance in India plan for you is one that offers optimal coverage without putting a significant strain on your finances, make sure to read through the policy well.

36 Critical Illnesses in Insurance

Let’s take a look at the 36 critical illnesses that are commonly covered by most critical illness plans:

Heart attack
Heart valve
Coronary artery diseases requiring bypass surgery or other surgical procedures
Aorta surgery through thoracotomy or laparotomy
Stroke
Cancer
Kidney failure
Fulminant viral Hepatitis
Major organ transplant
Paralysis or Paraplegia, involving the complete and permanent loss of one or all limbs
Multiple sclerosis
Primary pulmonary Arterial Hypertension
Total and/or permanent blindness
Total and/or permanent deafness
Total and/or permanent loss of speech
Alzheimer’s disease or other degenerative brain disorders
Parkinson’s disease
Coma
Third-degree burns covering at least 20% of the body’s surface area
Terminal illness
Motor neuron disease
Chronic liver diseases
Chronic lung disease
Major head trauma
Anaemia due to persistent failure of bone marrow
Muscular dystrophy
Benign brain tumour
Encephalitis
Poliomyelitis
Bacterial meningitis causing inflammation of brain membranes or spinal cord
Brain surgery (Craniotomy)
Other serious coronary heart diseases resulting from the narrowing of major arteries
Apallic syndrome or universal necrosis of the brain cortex
AIDS contracted by medical staff due to injury or exposure to contaminated blood
AIDS contracted through blood transfusion
Full-blown AIDS

These illnesses are typically covered by the best critical illness insurance in India, providing financial protection in the event of diagnosis.

Benefits of Critical Illness Insurance

Purchasing a critical illness policy offers numerous benefits:

Financial Support in Times of Need

A critical illness plan acts as a reliable companion during challenging times. The diagnosis of a critical illness not only brings physical trauma but also emotional stress and financial burdens. When your medical treatment costs coincide with a loss or reduction of income, it can be challenging to manage your expenses, including medical bills. In such situations, a critical illness health insurance plan provides valuable assistance through a lump-sum payout of the sum assured.

Coverage for Various Critical Illnesses

There are many critical illness insurance plans that cover ailments like cancer, kidney failure, and paralysis. With a single plan, you can enjoy comprehensive coverage against multiple critical illnesses. Instead of bearing the significant financial burden of treatment costs, you can benefit from the sum assured offered by our critical illness plan.

Affordable Premiums

It is a misconception that critical illness coverage is unaffordable for most people due to high premiums. In reality, critical illness cover is available at affordable and cost-effective premiums, which offer benefits far surpassing the premium value.

Tax Benefits

In addition to comprehensive coverage against critical illnesses, a critical illness plan also provides certain tax benefits. For regular individuals, the deduction limit is set at ₹25,000. However, senior citizens enjoy a higher deduction limit of ₹50,000.

Wrapping up

A critical illness policy is a blessing in disguise that provides protection against life-threatening illnesses, diseases, and disorders. Unlike a best health insurance plan, a critical illness insurance policy typically offers a substantial payout that can be used for medical expenses or daily living expenses. It is important to carefully review the terms, conditions, and clauses outlined in the policy’s offer document.