A general health insurance cover does not cover the expenses for critical illness. Hence, a critical illness cover is must. Some of the selective health insurance providers in the market offer critical care insurance policies. It is undoubtedly a pure benefit policy. Your savings would be utilized in a proper way you can meet your medical expenses during the hard time.
The tenure of the policy and the amount to be paid vary from companies to companies. The insured one may opt for the premiums like 3 lakh, 6 and 12 lakh. It is critical illness cover hence it covers some of the critical disease such as cancer, major organ transplant, stroke, paralysis, renal failure, hearth attack, heart valve replacement surgery, etc. The illness that is diagnosed after 90 days of the policy opening is only covered.
Some insurers offer accidental death cover in which the beneficiary gets the sum insured if the policyholder dies within the policy period. There are also accidental permanent total disablement covers which cover expenses against total loss of limbs and sight due to an accident.
If the illness occurs within the 90 days of the policy it is not covered. However, it may be not applicable to some insurance providers. The diseases that are not covered in critical cover of some companies are Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of Malignancy, Hernia, Hydrocele, Fistula in Anus, Piles, Arthritis, Gout, Rheumatism, etc.
Critical illness care policy is a comprehensive package the insured one gets the benefits for offering lump sum amount. It offers financial security while a critical illness of high expense occurs. Generally no medical tests are required. Some insurers offer coverage for pre-existing disease. However, some insurers ask for health check-up some policies offer tax benefits also.
Choosing the right critical illness insurance is a difficult task as it is different from general health insurance. So take the help of us and purchase the best one.
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