Financial security when you need it most
100% sum assured paid immediately upon diagnosis of covered critical illness.
Covers cancer, heart attack, stroke, kidney failure, organ transplant, and more.
Payout is independent of actual medical expenses — use funds as you wish.
Cover reinstated after first claim — protection continues for remaining illnesses.
Payout made after surviving 14‑30 days from diagnosis (varies by insurer).
Premiums qualify for deduction under Section 80D. Payout is tax‑free under 10(10D).
Simple steps to secure against critical illness
Select sum assured (₹5L to ₹1Cr) and policy term.
Affordable annual or monthly premiums — medical tests may be required.
If diagnosed with a covered critical illness, file claim with medical reports.
Receive 100% lump sum after survival period — use for treatment or any need.
Lump sum payout helps cover treatment costs, EMI, or lifestyle expenses.
Available as a separate policy or as an add‑on to life/health insurance.
Some plans allow claims for multiple unrelated critical illnesses.
Payout does not reduce your regular health insurance sum insured.
Cover available up to age 75. Renewability for life.
90 days initial waiting; pre‑existing diseases excluded.