You can’t control hospital bills, But you can get covered against critical illnesses. A critical illness insurance cover, often referred in laymen language as Critical Illness Insurance, refers to the insurance benefits you receive to deal with life-threatening critical illnesses and various lifestyle diseases.
Critical Illness Plan
Critical Illness Plan Service By Dhanalakshmi Securities
What Is A Critical Illness Plan
This plan is especially designed to treat certain specific illnesses. With lifestyle diseases on the rise, covering yourself against these illnesses has become imperative. As treating these can be an expensive affair, especially for a middle-class family buying critical insurance, you can mitigate those expenses up to an extent. On the detection of an illness, it pays a pre-decided amount towards treatment irrespective of pre-or post-hospitalization expenses The major diseases that are covered most of the critical illness plans include:
- Major organ transplant
- Multiple sclerosis
- Kidney failure
- Coronary artery bypass surgery
- First heart attack
What does Critical Illness Plan cover?
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How Critical illness plan works
Family Floater Plan
Policy to safeguard health of your entire family
Senior Citizens Health Insurance
Financial coverage for medical expenses for citizens over 60
Insurance that reimburses your treatment costs in the event of an illness
Unit Linked Health Plan
ULIP - Providing the benefits of both insurance and investment in a single plan
Importance of Critical Illness Plan
Due to the sedentary lifestyle, even younger people are suffering from life-threatening diseases or critical ailments. According to insurance estimates, 40% of heart patients in India belong to the age group of 25-35 years. The cases of critical illnesses like cancer, lung diseases, and other chronic health ailments are rising which are not only costly to treat but also lead to a financial loss in case the breadwinner of a family is diagnosed with a problem. Also, those who do have a health insurance are not adequately covered as the regular health insurance policy only takes care of hospitalization costs. What about household expenses, loan EMI, children school fees, which may also arise in case the patient takes a break from work? Here, a critical illness insurance policy helps. Contact us to know more.
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