A lump sum when life changes overnight
Health insurance pays the hospital. Critical illness cover pays you, a lump sum on diagnosis that replaces lost income, covers what the hospital bill doesn't, and buys your family time.
Cover that actually works for you
Paid on diagnosis, not on bills
You get the full amount when the illness is diagnosed and the survival period is met, regardless of what treatment costs.
Replaces lost income
Serious illness often means months away from work. This cover keeps the household running while you recover.
Covers what health plans don't
Travel for treatment, home modifications, a caregiver, or simply the EMIs, spend it however your family needs.
Works alongside health cover
It doesn't replace health insurance. Your health plan pays the hospital; this pays you. Together they close the gap.
Tax benefits
Premiums generally qualify under Section 80D, subject to prevailing tax rules.
Definitions compared honestly
Payouts hinge on how each illness is defined in the wording. We compare the fine print, because that's what decides your claim.
Find the right fit
Not sure which one suits you? That's exactly what our free call is for.
Standalone policy
A dedicated critical illness plan with a wider list of covered conditions.
Comprehensive cover
Rider on term plan
Added to your term insurance, cheaper, but usually a shorter list of illnesses.
Budget-friendly
Rider on health plan
Bolted onto your health policy so hospital and lump-sum cover sit together.
Simplicity
Cancer-specific cover
Focused cover with staged payouts through the course of the illness.
Family history
What to check before buying critical illness cover
- How many illnesses are covered, and how each one is defined in the wording
- The survival period you must complete after diagnosis for the claim to pay
- Whether the policy ends after one claim or continues for other illnesses
- A cover amount that replaces at least a year or two of your income
- Waiting period before the cover starts (usually around 90 days)
- Honest disclosure of family history and health, to keep the claim safe
Advice with zero spam
Talk to IRDAI-certified advisors who get paid to help you, not to push a product. No call-centre scripts, no endless follow-ups.
We handle the paperwork
From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.
Claims support for life
When you need to claim, our team helps you file, follow up and get paid, for as long as you hold the policy.
Critical Illness Insurance FAQs
They do different jobs. Health insurance reimburses the hospital; critical illness pays you a lump sum for everything else, lost income, travel, EMIs. If your savings couldn't absorb a year off work, it's worth considering.
Most policies require you to survive a set number of days after diagnosis (often 14 to 30) before the lump sum is paid. It's standard, but worth knowing about upfront.
Many plans end after the first claim; some multi-payout plans cover further illnesses from different groups. We'll show you the difference in cost and cover.
A common benchmark is one to two years of your annual income, adjusted for loans and how long you might realistically be off work.
Not automatically, very early-stage conditions are often excluded or paid at a reduced rate. The exact definitions in the wording decide this, which is precisely what we read for you.
Insurers we place critical illness insurance with
Health insurance
Get critical illness insurance advice you can trust
Book a free, no-obligation call. We'll help you choose the right cover, and nothing you don't need.