You need health cover regardless of what you take two at a time - pills or stairs.
  • Critical Illness Cover – Do you need it?

    Critical illness cover is also called critical illness insurance. It is a long term insurance scheme that covers specific illnesses that are listed in the policy. In case the policyholder faces a serious illness that is there on the list, a lump sum amount is offered as insurance coverage. This amount is absolutely tax free. This payment can help the insured take care of his financial needs after he is diagnosed with a critical illness. It can be used for making alteration to the house, pay off debts, rent or mortgage, etc. It is absolutely the policy holder’s choice on how he/she wants to utilise the amount received as cover.

    What is Critical Illness Cover?

    Critical Illness insurance scheme will take care of all the monetary needs of the insured if he/she is diagnosed with an illness that is mentioned in the list of illnesses as per the policy. One must understand that all types of health conditions are not covered under this insurance plan. The policy also states how serious the illness should be to get coverage under the plan .

    The different examples of Critical Illness are as follows:

    • Stroke.
    • Heart attack.
    • Specific stages and types of cancer.
    • Conditions like multiple sclerosis.

    Most of the insurance policies also cover the permanent disabilities. These disabilities can happen due to any illness or injury. The pay-out happens only once and after that the policy ends. Some of the policies will pay-out smaller amounts for less severe illnesses.

    What is not Covered?

    Some of the serious illness might not be on the cover list. For example, certain cancers and other conditions that are not there in the policy. A policyholder will not be able to avail cover for a critical illness that he/she already suffered from before taking up the insurance policy. If the policyholder dies due to such a critical illness, there will be no pay-out after the demise.

    The policy will have complete details about what the policy does not covers and what it does cover. The insurance seeker must be fully aware of the cover requirements and then apply for the one that suits his/her needs the best.

    Do you Actually Need Critical Illness Insurance?

    The benefits that the policyholder already gets with his/her health insurance plan might not be enough. A Critical Insurance scheme must be considered if:

    • An individual does not have enough savings to cope with financial needs in time of a disability or a serious illness.
    • An individual does not get any employee benefits that would offer him/her longer time off everyday job in times of illness.

    Who Does Not Need it?

    There are situations when a critical illness plan is not required. An individual will not need it if:

    • He / She has substantial amount of savings that would provide financial support in times of illness to cover medical costs, bills, loans, etc.
    • He / She has someone to take care of the lifestyle costs, shared commitments, etc. when he / she is unwell.

    How Much Does the Critical Illness Cover Cost?

    The cost of the critical illness cover depends on several factors. These factors are as follows:

    • Age of the applicant.
    • Whether the insurance seeker is a smoker or has been a smoker in the past.
    • Present health condition of the insurance seeker including accurate weight, family medical history, etc.
    • The type of job that the insurance seeker is associated with. There are certain jobs that come with higher risk factor and depending on that the premiums for the insurance coverage may change.
    • The amount of cover applied for by the insurance seeker.


    • Muscular dystrophy.
    • Major burns.
    • Fulminant viral hepatitis.
    • End stage lung disease.
    • Deafness.
    • End stage liver disease.
    • Loss of speech.
    • Bacterial meningitis.
    • Aplastic anaemia.
    • Multiple sclerosis.
    • Motor neuron disease that are associated with permanent symptoms.
    • Permanent paralysis of the limbs.
    • Major bone marrow or organ transplant.
    • Stroke resulting in permanent disability.
    • Kidney failure that needs regular dialysis.
    • Coma of a specific severity.


    • Treatment assisting reproduction.
    • Treatment for hormone replacement.
    • Treatment outside India.
    • Cosmetic surgery or dental care.
    • Infertility treatment.
    • Terrorism, war, military or navy operations, civil riots.
    • AIDS / HIV infection.
    • Critical conditions due to childbirth or pregnancy.
    • Illness due to external or internal congenital disorder.
    • Illness due to drug, alcohol and tobacco consumption.
    • Demise within a period of 30 days from a surgery or diagnosis of the critical illness.
    • Critical illness detected within the first 90 days from the start date of the policy.

    Some of the Popular Critical Illness Insurance Plans:

    There are various insurers in India that offer great critical illness insurance policies. Some of them are as follows:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Health Insurance Reviews

  • Page 1 of 9 1 2 3 4 5
    • National Insurance Health Insurance
      0.5 5.0/5 "Blown Away!"
      I have a health insurance in National Insurance for me and my family. The policy covers minor disease and critical illness. The customer service is excellent. Am paying yearly 16K as a premium. Last year have applied for claim, the refund was 100% excluding food. The policy coverage is 10L, I have taken in the year of 2005 or 2006. Am getting good benefits on this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 03, 2018
    • Apollo Munich Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      From APOLLO MUNIC i have a corporate health insurance and they provide a coverage for 10 lakhs. I have not done any claim with this policy. The provide treatment coverage for accident , critical illness. Its a cashless facility.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 27, 2018
    • New India Health Insurance
      "Health insurance "
      0.5 5.0/5 "Blown Away!"
      For my health insurance i get both cashless and reimbursement facility. Even though here is no claim have been done. The yearly policy premium is 12000. The policy with New India will give coverage for critical illness accidental and trauma.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 25, 2018
    • ICICI Lombard Health Insurance
      " ICICI Lombard health insurance"
      0.5 3.5/5 "Pretty good"
      From ICICI Lombard i have taken a health insurance and the policy coverage is for 3 lakhs. The yearly premium is 38000 and if there is no claim experience then i can extend the policy up to 5 lakhs.Yearly i have to renew the policy with ICICI.They do the coverage for general and critical related health issues.
      Was this review helpful? 0
      , bhopal
      Reviewed on May 14, 2018
    • Bajaj Allianz Health Insurance
      "Its good"
      0.5 5.0/5 "Blown Away!"
      I have not much interacted with Bajaj Allianz customer care, but they have explained it clearly about the health insurance. Many time I have claimed my policy for my regular check up, they got tie up with good hospital. They are providing medical coverage including critical disease. They gave me coverage of Rs. 5 lakhs. for annual premium.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 29, 2017
    • Cigna TTK Health Insurance
      "Good Protection for Family"
      0.5 4.0/5 "Great!"
      Cigma TTK gave me some Pro plus health insurance, they were covering every thing, and it gives cover for critical diseases and they have cashless facility they got tie almost many hospital. I got medical cover of Rs.5.5 lakhs includes my spouse, I paid the premium around Rs. 11,200 on yearly basis.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 21, 2017
    • Apollo Munich Health Insurance
      "Good Protection for the family"
      0.5 5.0/5 "Blown Away!"
      Apollo Munch got tie up with Canara bank, I make Rs. 3600 for the policy cover 3 lakhs, it covers my entire family. It has the tenure of three years, it gives cover for all critical disease, cancer, dental etc. They got tie up with good hospitals.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 09, 2017
    • HDFC Ergo Health Insurance
      "Good Health Cover"
      0.5 4.0/5 "Great!"
      I received call from HDFC Ergo for health insurance, I paid the premium around Rs.10,500 it has medical coverage of Rs. 3 lakhs for two years. Its covers only for me, they tie up with good hospital, they are giving critical diseases cover expect plastic surgery and dental unless the accidental.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 25, 2017
    • Religare Health Insurance
      "Good Protection"
      0.5 4.0/5 "Great!"
      I like medical coverage of Religare health, they are connected with good hospitals in my location. I make the premium of Rs. 8000 per annum, its covers only for me. Its gives the medical cover of Rs. 5 lakhs, I make the payment through online. They are extra benefits are available for the critical illness.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 13, 2017
    • HDFC Ergo Health Insurance
      0.5 3.5/5 "Pretty good"
      HDFC ERGO, I had used the online portal after analyzing all the details online decided to invest in HDFC ergo. It provides coverage for critical illness . Premium what I pay is 12k per year. It is very much reasonable this one is closed now and no reason for closing this insurance. This was taken before one year. Lastly I make the payment through online.
      Was this review helpful? 0
      , bahadurgarh
      Reviewed on Nov 08, 2017
    • ICICI Lombard Health Insurance
      "Good coverage amount"
      0.5 4.0/5 "Great!"
      I have a Critical Health Assurane scheme set up for myself. The coverage is around Rs.5 Lakhs for Critical Illness. They provide you with good amount of Hospitals covered under thieir policy. The Cashless option is pretty good too in this Insurance.
      Was this review helpful? 0
      , meerut
      Reviewed on Nov 01, 2017
    • Reliance General Health Insurance
      "Good protection"
      0.5 4.0/5 "Great!"
      I do have Reliance General insurance I used to make some premium for my health insurance. They gave me Rs. 4 lakhs as medical cover for my entire family. I have received the medical card, they do have good cash less treatment in hospital. They providing coverage for all critical illness too.
      Was this review helpful? 0
      , vadodara
      Reviewed on Oct 31, 2017
    • Bajaj Allianz Health Insurance
      "Its Average"
      0.5 3.5/5 "Pretty good"
      Every month I pay Rs.920 for health insurance with Bajaj Allianz, my company gave this policy it covers only for me not for my family member, Medical cover around 1.75 lakh. So far I don't face any claim but I have received the medical card it has cash less treatment, it has cover for critical disease.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 24, 2017
    • review Health Insurance
      "Good Health policy"
      0.5 4.0/5 "Great!"
      Feature of Aviva is good, it gives good benefits, including all critical major diseases, including major accidents. I am making the premium around Rs.3400 it has tenure of one year, they gave me the medical coverage around Rs.15 lakhs, it covers only me.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 04, 2017
    • Religare Health Insurance
      "Good for health coverage"
      0.5 5.0/5 "Blown Away!"
      I done a search about Religare health policy its good , they got a tie with good hospital so they giving coverage for all critical illness and hospitalization. Religare gave me the medical cover Rs.10 lakhs its a good coverage, so far I don't have any claim experience.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 02, 2017
    • HDFC Ergo Health Insurance
      "Good coverage"
      0.5 4.0/5 "Great!"
      To the best of my knowledge HDFC ERGO provides good cover on life and accidental. I am holding this health insurance and this was renewed before one year. Premium is very much reasonable it is 9000. It does not provide coverage for critical illness however it provides accidental coverage .
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 14, 2017
    • Religare Health Insurance
      "Very Good"
      0.5 4.0/5 "Great!"
      I have health insurance policy with the Religare and I had been with them for every insurance product because the things are going fine way. Its the critical insurance policy and totally am paying around 11000 Rupees for the tenure is for one year of time. Till now, I do not have any claim experience.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 15, 2017
    • Max Bupa Health Insurance
      "Poor response from max bupa"
      0.5 0.5/5 "Unacceptable"
      I have 2 critical illness policies from max bupa one in my name and other in my spouse name..we had 3 lacs sum assued limit on each spouse had gall bladder laproscopic surgery few months back which is not covered nor claimed from this critical illness policy..the insurance was claimed from mediclaim with a diffrent insurance . But surprising ..when we requested for enhancing the sum assured with max bupa for critical illness policy..they not responding properly and forcing us to renew the policy without enhancing sum assured..i really dont understand why they are linking some treatment taken which is not of critical illness on nature and also which is not covered or part of critical illness. Iam totally dissatisfied with the max bupa services and responses.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 24, 2017
    • United India Health Insurance
      "Good insurance cover"
      0.5 2.0/5 "Expected more"
      United India Medical insurance is very good at times. It provides a cover for critical illness. I am using this for the past 5 years. It is basically covered by my company no medical test taken for the same. I had got all my documents from them and anyone can got for it.
      Was this review helpful? 0
      , varanasi
      Reviewed on Nov 24, 2016
    • ICICI Lombard Health Insurance
      "Never used the same"
      0.5 4.0/5 "Great!"
      The major benefit that I get from ICICI Lombard is the health benefit. It majorly provides a cover for health issues like critical illness to the normal sickness. I am holding this ICICI Lombard insurance for a period of 2 years. It provides a medical coverage for an amount of 3 lakhs.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 28, 2016
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