{"id":510,"date":"2020-10-01T11:43:44","date_gmt":"2020-10-01T11:43:44","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=510"},"modified":"2025-03-27T10:32:48","modified_gmt":"2025-03-27T05:02:48","slug":"why-is-critical-illness-cover-important-and-what-is-critical-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/why-is-critical-illness-cover-important-and-what-is-critical-insurance\/","title":{"rendered":"Why is Critical Illness Cover Important and What is Critical Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-is-critical-illness-cover-important-and-what-is-critical-insurance\/#What_documents_would_you_have_to_submit_for_Critical_Insurance_Cover\" >What documents would you have to submit for Critical Insurance Cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-is-critical-illness-cover-important-and-what-is-critical-insurance\/#Coverage_of_Critical_Insurance\" >Coverage of Critical Insurance<\/a><\/li><\/ul><\/nav><\/div>\n\r\n<p>Critical illnesses like cancer, heart diseases, polio, etc cost a hefty amount to get treated for. A normal medical would not be sufficient to cover even 10% of the treatments.<\/p>\r\n\r\n\r\n\r\n<p>A person above the age of 35 should invest in a normal mediclaim policy with a critical illness rider. These riders are meant to help a working professional regain their lost income during his\/her treatment.<\/p>\r\n\r\n\r\n\r\n<p>For instance, you get admitted to the hospital and the bill of 6 lakhs is cleared by your 10 lakh mediclaim, but your doctor asks you to rest at home for the next three months. But you are going to need money to survive those non-working for three months.<\/p>\r\n\r\n\r\n<center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog_banner&amp;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" \/><\/a><\/center>\r\n\r\n\r\n<p>This is where\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/critical-illness-insurance-policy-benefits-in-india\/\">critical insurance<\/a>\u00a0will help you and make sure you invest in one according to your earning capacity.<\/p>\r\n\r\n\r\n\r\n<p>PS- The money given to you by your insurer is termed as a defined benefit plan and is for defined critical insurance.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_documents_would_you_have_to_submit_for_Critical_Insurance_Cover\"><\/span>What documents would you have to submit for Critical Insurance Cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>The only proof of allopathic diagnosis is needed to claim you&#8217;re critical insurance<\/p>\r\n\r\n\r\n\r\n<p>No treatment paper, hospitalization papers are needed in critical insurance. \u00a0<\/p>\r\n\r\n\r\n\r\n<p><strong>Does critical illness cover all kinds of treatment?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>Yes, it does!<\/p>\r\n\r\n\r\n\r\n<p>For instance, you land up with heart problems and the doctor has told you not to do an allopathic treatment but to do a naturopathy one,<\/p>\r\n\r\n\r\n\r\n<p>With critical illness insurance, you can get treated in any method you like, India, or abroad, this is a diagnostic-based benefit and can be claimed once the illness has been diagnosed.<\/p>\r\n\r\n\r\n\r\n<p><strong>PS-\u00a0<\/strong>All methods are not covered by medical<\/p>\r\n\r\n\r\n\r\n<p><strong>Who should take this?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>The ones who are the sole bread earner or who have a business of their own or even employed<\/p>\r\n\r\n\r\n\r\n<p><strong>Who sells them?<\/strong><\/p>\r\n\r\n\r\n\r\n<p><strong>1.<\/strong>\u00a0Life\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-insurance-samadhan-help-covid-patients-in-settling-insurance-claims\/\">insurance companies<\/a>\u00a0sell them as a rider and not a separate \u00a0 \u00a0 \u00a0plan.<\/p>\r\n\r\n\r\n\r\n<p>12 to 16 critical diseases are covered and since they cover limited diseases, they are comparatively reasonable.<\/p>\r\n\r\n\r\n\r\n<p><strong>2.\u00a0<\/strong><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/keyman-insurance-policy-in-india\/\">Health insurance<\/a>\u00a0companies sell it as independent plans, as a \u00a0 \u00a0 \u00a0renewal contract. Approximately 32 diseases are covered by them. And since \u00a0 \u00a0 \u00a0a lot of diseases are covered, this will be comparatively priced a bit \u00a0 \u00a0 \u00a0higher. \u00a0<\/p>\r\n\r\n\r\n\r\n<p><strong>3.<\/strong>\u00a0General insurance companies also sell them as independent products \u00a0 \u00a0 \u00a0although they have only limited illnesses<\/p>\r\n\r\n\r\n\r\n<p><strong>PS &#8211;\u00a0<\/strong>A lot of people misunderstand critical insurance as a medical, it&#8217;s a supplementary product that needs to be taken with a mediclaim.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coverage_of_Critical_Insurance\"><\/span>Coverage of Critical Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>You will receive one claim for one disease, you cannot request for a claim twice for the same disease.<\/p>\r\n\r\n\r\n\r\n<p>If later on, you have another disease, you will receive your claim with a reduced sum assured.<\/p>\r\n\r\n\r\n\r\n<p>For insurance, you have a 50 lakh policy and your heart problems cost you 25 lakhs. If you have to get treated again for heart problems you will not receive a claim. However, your policy will continue with a reduced sum assured.<\/p>\r\n\r\n\r\n\r\n<p><strong>Does it cover pre-existing disease?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>No, it doesn&#8217;t.<\/p>\r\n\r\n\r\n\r\n<p><strong>PS &#8211;\u00a0<\/strong>You will get a Critical insurance claim only if you survive 30 days, if you have a heart problem and die after 60 days, then you will get the claim.<\/p>\r\n\r\n\r\n\r\n<p><strong>PS &#8211;<\/strong>\u00a0Usually, investing in one critical plan is more than enough, as even if you have 2 plans from 2 different companies, you will anyway receive only one claim.<\/p>\r\n\r\n\r\n<center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog_banner&amp;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" \/><\/a><\/center>\r\n\r\n\r\n<p>Are you struggling with a missold policy or a claim rejection? Or Are you trying to revive a lapsed policy? Leave all your insurance-related issues to Insurance Samadhan. Our experts are here to help you through it all! Register here and we will be right there with you!<\/p>\r\n\r\n\r\n\r\n<p>To reach us at InsuranceSamadhan.com \u2013<\/p>\r\n\r\n\r\n\r\n<p>Call us at \u2013 844 844 0626<\/p>\r\n\r\n\r\n\r\n<p>Mail us at \u2013\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\r\n\r\n\r\n\r\n<p>Register your insurance complaint\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog\">here<\/a><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Critical illnesses like cancer, heart diseases, polio, etc cost a hefty amount to get treated for. A normal medical would not be sufficient to cover even 10% of the treatments. A person above the age of 35 should invest in&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-is-critical-illness-cover-important-and-what-is-critical-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":511,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding the Importance of Critical Illness Insurance<\/title>\n<meta name=\"description\" content=\"Learn why critical illness coverage is essential and how Insurance Samadhan guides you in selecting the right policy for 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Rajpal","author_link":"http:\/\/www.insurancesamadhan.com\/blog\/author\/raina-rajpal\/"},"uagb_comment_info":0,"uagb_excerpt":"Critical illnesses like cancer, heart diseases, polio, etc cost a hefty amount to get treated for. A normal medical would not be sufficient to cover even 10% of the treatments. A person above the age of 35 should invest in&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/510","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=510"}],"version-history":[{"count":2,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/510\/revisions"}],"predecessor-version":[{"id":4963,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/510\/revisions\/4963"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/511"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=510"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}