Critical illness cover pays a fixed amount straight to you on diagnosis of a covered condition — to spend on treatment, travel, or simply replacing the income you lose while you recover. No bills to submit.
Based on the income you'd need to replace. Takes 20 seconds.
A regular health plan reimburses hospital bills. But a serious illness like cancer or a heart attack brings costs a hospital bill never captures — months away from work, travel for treatment, home care, and everyday expenses that don't pause. Critical illness cover fills that gap.
On diagnosis of a listed condition, it pays a fixed lump sum directly to you, with no bills to submit and no restriction on how you use it. It works alongside your mediclaim, not instead of it. As an IRDAI-licensed advisor in [City], I'll help you choose a sum that reflects what your family would actually need to stay afloat.
Critical illness cover comes in several shapes. Here's how the main options compare — I'll help you choose.
A dedicated policy covering a defined list of major illnesses, paying a lump sum on diagnosis independent of any hospital costs.
Attach the benefit to an existing life or health policy — a cost-effective way to add protection without a separate plan.
Focused cover with benefits that can pay at both early and advanced stages of a cancer diagnosis.
Targeted protection for heart attack, bypass and related cardiac conditions and procedures.
A single plan spanning many major conditions — cancer, stroke, kidney failure, major organ transplant and more.
Prioritise the family's main income-earner, whose illness would hit the household finances hardest.
A fixed amount paid on diagnosis — not tied to your actual hospital bill.
Spend it on treatment, travel, home care, loan EMIs or daily expenses — your call.
The policy names exactly which conditions are covered, so there's no ambiguity.
A short defined period after diagnosis must pass before the benefit pays — know it upfront.
Runs alongside your hospitalisation cover rather than replacing it.
I guide your family through documentation so the payout comes through when it's needed most.
Critical illness premiums generally qualify for a health-related tax deduction. I'll make sure it's claimed correctly.
Premiums for critical illness / health cover are generally deductible under Section 80D.
The benefit is paid directly to you on diagnosis, with no bills to submit.
It replaces the earnings a long recovery takes away — the cost mediclaim doesn't cover.
Tax benefits are subject to prevailing tax laws and may change. Please consult your tax advisor.
No cold sales calls. Just a clear path from confusion to confidence.
We talk about your family, your budget, existing cover and what you're worried about.
I show you the right plans for your goal — with the trade-offs laid out plainly.
You choose what fits. I handle paperwork, medicals and a smooth, paperless purchase.
I stay your point of contact for renewals, changes and claims for as long as you hold the policy.
Mediclaim reimburses hospital bills up to your sum insured. Critical illness cover pays a fixed lump sum on diagnosis, regardless of your actual bills, and you can use it for anything — including replacing lost income. Most families need both: one pays the hospital, the other pays you.
Each policy lists the exact conditions — commonly cancer, heart attack, stroke, kidney failure and major organ transplant, among others. Broader plans cover more conditions. I'll walk you through the specific list before you commit, so there are no surprises.
Most plans require you to survive a short defined period after diagnosis — often a couple of weeks — before the benefit is paid. It's a standard condition, and I'll tell you exactly what applies to the plan you choose.
Often yes — a critical illness rider can attach to an existing life or health policy, which is usually cheaper than a standalone plan. If a rider isn't available or enough, a separate plan is the alternative. I'll compare both for you.
A useful starting point is a few years of your income, so your family can manage while you recover without touching long-term savings. Add any big liabilities like a home loan. The estimator above gives a quick figure to refine together.
Generally yes, under Section 80D as health-related cover, subject to the applicable limits. The exact treatment depends on how the cover is structured, and tax rules can change — I'll set it up correctly for your case.
Tell me a little about yourself and I'll get back within one working day — on call, WhatsApp, or in person.