Critical Illness Insurance

Critical illness insurance pays a lump sum amount when you're diagnosed with a covered illness like cancer, heart attack, kidney failure, or stroke. The money can be used for treatment, income replacement, or any purpose.

Health insurance reimburses hospitalization expenses. Critical illness insurance pays a fixed amount regardless of actual expenses. Both complement each other for comprehensive protection.

Most plans cover cancer, heart attack, stroke, kidney failure, major organ transplant, paralysis, and coronary artery bypass. Comprehensive plans cover 30-40 conditions.

Most policies require surviving 30 days after diagnosis to claim. This is called the survival period. Some advanced conditions have exceptions.

Yes. Health insurance covers hospitalization while critical illness provides lump sum for treatment abroad, experimental treatments, or income replacement during recovery.