A diagnosis should be a medical problem, not a financial one
Critical illness cover pays a lump sum on diagnosis of major illnesses, giving you money for treatment without touching your savings.
What if cancer, stroke, or heart disease strikes?
average cancer treatment cost in private hospitals
have to borrow money or sell family assets for treatment
average recovery period with zero monthly income
How Critical Illness Protection Works
Assess
We evaluate critical illness riders and stand-alone cover options.
Design
We configure lump-sum payout benefits triggered on primary diagnosis.
Protect
Your recovery fund is secured, preserving your family savings.
Recommended Critical Illness Plans
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Check Your Health Plan Premium
Find out the exact premium for critical illness and health plans.
“I purchased a critical illness rider with my LIC policy. It paid the lump sum on my cardiac procedure, keeping my family stable.”
Common Questions About Critical Illness
It is an insurance plan that pays a fixed lump sum on diagnosis of serious illnesses like cancer, heart attack, or stroke.
Health insurance pays actual hospital bills. Critical illness cover pays a fixed lump sum directly to you, regardless of hospital bills.
Once diagnosed with a covered illness, you submit the doctor's report. LIC pays the entire sum assured as a lump sum.
It covers major illnesses like cancer, heart attack, stroke, kidney failure, major organ transplant, and paralysis.
Yes, standard critical illness plans have a survival period of 28 to 30 days after diagnosis before the claim is paid.
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