A critical illness diagnosis disrupts your income for months. Get a lump sum payout on diagnosis — use it for treatment, recovery, or replacing lost income while you focus on healing.
*Premiums vary by insurer, gender, and health status.
A comprehensive list covering the most financially devastating diagnoses.
Heart Attack
Cancer
Stroke
Kidney Failure
Bypass Surgery
Organ Transplant
Bone Marrow Transplant
Permanent Blindness
MS (Multiple Sclerosis)
End-Stage Lung Disease
Deafness
+ 25 More Illnesses
Unlike health insurance that reimburses hospital bills, critical illness insurance pays you a lump sum on diagnosis — use it however you need.
Choose sum insured and pay a small annual premium.
You survive the survival period (typically 30 days) after diagnosis.
Submit diagnosis reports and medical records to the insurer.
The full sum insured is paid directly to you — use it for treatment, recovery, or income replacement.
Yes, they are fundamentally different. Health insurance reimburses actual hospital bills. Critical illness insurance pays a fixed lump sum on diagnosis of a covered illness, regardless of actual treatment cost. The lump sum can be used for treatment, home modifications, travel abroad for treatment, or replacing lost income during recovery. You should ideally have both.
Most critical illness policies have a survival period of 30 days after diagnosis. This means you need to survive at least 30 days from the date of diagnosis to be eligible for the lump sum payout. This condition exists because CI insurance is meant for long-term financial impact, not terminal illness within days.
Critical illness policies typically have an initial waiting period of 90 days from the policy start date — you cannot claim for illnesses diagnosed within the first 90 days (except for accidents). This is to prevent people from buying insurance after a diagnosis.
No. Critical illness insurance is a separate policy. Filing a critical illness claim does not affect your health insurance policy or its renewal. You can claim from both policies independently for the same illness — critical illness pays a lump sum and health insurance reimburses hospital bills.
A simple rule: cover at least 3–5 years of your annual income. This replaces your salary during recovery and covers treatment costs not included in health insurance (experimental drugs, home care, travel). For a person earning ₹10 lakh/year, a ₹25–50 lakh critical illness cover is typically recommended.
Our advisors help you choose the right CI cover for your income, age, and health history — with guidance on combining it with your existing health insurance.