What Is Critical Illness Health Insurance? Know The List Of Diseases Covered

The Critical Illness Insurance Policy protects you from expenses incurred in serious illness. You can take this policy from any insurance company.

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The risk of a variety of diseases among people is increasing amidst rising pollution. These days any person can suffer from any disease at any time. If a daily wage earner has to battle diseases of kidney, heart, or cancer, he has to spend his life savings on recovering from it.

Hence, critical illness insurance plans can prove to be a good option to save people's medical expenses. This insurance plan covers serious, life-threatening diseases and protects people from the expenses incurred therein.

The critical insurance policy covers the predetermined condition of the disease. This policy covers life-threatening diseases such as cancer, paralysis, heart attack, and tumors. This insurance defines diseases that will be covered under it.

How will you get the benefit of it?

You do not have to be hospitalized to take insurance money in this policy. The company pays a lump sum amount if the serious disease included in the medical examination policy is confirmed. The important thing is that there is no need to deposit receipts for its claim.

These diseases are covered, check list:

The critical health policy covers diseases such as cancer, heart attack, kidney, dialysis, stroke, main organ transplant, open chest CABG, heart valve, coma, permanent paralysis of organs, motor neuron disease, multiple sclerosis, last stage liver disease, last stage lung disease. The list of insurance cover depends on the insurance company. It is recommended to read the terms and conditions carefully before taking the policy.