If a big illness comes, money should not be the worry.
A lump sum on diagnosis of cancer, heart attack, stroke, kidney failure and more. Use it for treatment, loans or daily expenses.
Illnesses covered
Paid on diagnosis
Tax saving on premium
In simple words
Critical illness cover pays you a fixed amount as soon as a listed serious illness is diagnosed. It does not matter how much the hospital bill is.
What is covered, and what is not
Covered
- Cancer of specified severity
- First heart attack
- Stroke
- Kidney failure
- Major organ transplant
- Paralysis
- Open heart surgery
Not covered
- Illness within the first 90 days
- Pre-existing illness (waiting period)
- Death within 30 days of diagnosis (survival period)
- Mild stages of illness
Ways to buy
Standalone plan
Separate lump sum cover.
Rider on term plan
Low-cost add-on to life cover.
Cancer-only plan
Focused, cheaper cancer cover.
Heart plan
For family history of heart issues.
How a claim works with us
- 1
Inform us after diagnosis
- 2
Share medical reports
- 3
Survive the 30-day period
- 4
Get the full lump sum
SP tip: Recovery from a major illness can take months off work. A lump sum keeps EMIs and household costs paid.
Common questions
Health insurance pays the hospital. CI gives cash for everything else, like income loss and travel.
Talk to a real person in Purnia, free.
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