Critical Illness Cover
Money when you need it most, to use as you need it.
Critical illness cover pays a fixed amount as soon as you are diagnosed with a covered illness. Use it for treatment, to replace lost income, or for any expense you choose, on top of your regular health insurance.
- Illnesses covered
- Up to 30 to 60+
- Payout
- Lump sum on diagnosis
- Survival period
- Usually 15 to 30 days
- Tax benefit
- Sec 80D
Choose the critical illness cover that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Standalone CI plan
A separate policy with a lump sum on diagnosis.
CI rider
Added to a term or health plan at a low extra premium.
Cancer-specific plan
Staged payouts for early and major cancer diagnoses.
Why people choose our critical illness cover advice
- Lump sum regardless of actual bills
- Covers 30 or more critical illnesses
- Works alongside health insurance
- Helps replace lost income during recovery
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Cancer of specified severity
- Heart attack and bypass surgery
- Stroke and paralysis
- Kidney failure and major organ transplant
- People with a family history of serious illness
- Sole earners
- Anyone wanting income protection
- Initial waiting period of 90 days
- Illnesses not on the covered list
- Death within the survival period
Critical Illness Cover premium: what decides it?
Two people buying the same critical illness cover can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Critical Illness Cover
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
7 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Medical Reports (if asked by insurer)
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
8 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Medical Reports (if asked by insurer)
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Choose cover of 3 to 5 times your annual income.
- 2Check how each illness is defined; definitions differ between insurers.
- 3A CI rider on your term plan is often the cheapest way to add this cover.
Critical Illness Cover: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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