Critical Illness Health Insurance

PolicyandFunds.com we are one of the top Health Insurance Agent in Chennai, India. We are helping to choose perfect and best Critical Illness Insurance Plan & Policy in India for our clients.

Critical Illness Insurance Plan & Policy in India

Do Anybody think that we will stay healthy ever? There is some situation where critical health ailments will occur and we will be in need of some financial help. Worrying about thing at the end will not make any change rather will make situation worse. So we have to plan for the financial help by selecting or taking any health policy that will help in our critical situation.

Critical illness occurs unexpectedly to someone and end up swallowing the money to the core. To avoid such situations, we have to make sure in selecting the critical illness policy from an insurance company. But the main problem is not about taking the policy but about selecting the insurance company and more appropriate policy for critical illness. Best thing about Critical health plan is that we need not have to save to help us when we fall sick.

First and foremost, for every person is to know about the difference between the health insurance and the Critical illness insurance. They both are completely different from one another. Also we have to know why we are to opt for critical illness plan? We have got a data from WHO that 7 lakh people who will die due to cancer by end of 2015. We can’t predict some critical ailments occurrences like AIDS, Cancer and Paralysis attack.

Even though we know that critical illness policy has more benefits, It will not cover some situations like illness occurring due to smoking, tobacco, alcohol or drug intake, Infertility treatment, hormone replacement treatment etc. To know more about the advantage and disadvantage of the critical illness health plan do visit us or call us. We assure you to give a fabulous service and suggestion in terms of critical illness plan.

Coverage

• Sum Insured (SI) 1,00,000 to Rs. 50,00,000 – Company to Company SI may vary

Eligibility

• Entry Age 18 – 65
• Sum Insured Individual member are covered under this insurance policy

Illness Covered under Critical Illness Policy

• Cancer
• Coronary Artery Bypass Surgery
• First Heart Attack
• Major Organ Transplant
• Stroke
• Kidney Failure
• Aorta Graft Surgery
• Primary Pulmonary Arterial Hypertension
• Permanent Paralysis of Limbs
• Multiple Sclerosis (MS) – Symptoms

Highlights of Critical Illness Policy

• Coverd specified critical illness under this policy.
•  Lumpsum amount while on diagnosis of critical illness by the doctor.
•  Regular hospitalization are covered
•  Also c overed for non allopathic treatment (specified limit)

Critical Illness Insurance Policy Providing Companies in India

• Bajaj Allianz Critical Illness
• HDFC ERGO’s Critical Illness
• Reliance Critical Illness
• SBI Critical Illness
• Apollo Munich Optioma Vital
• Max Bupa CritiCare
• Religare Assure
• Star Criticare Plus
• National Insurance Critical Illness
• United India Criticare

How to Register Claim for Critical Illness policy?

If there is a need to file a claim, contact your insurance company and register your claim. Usually, following documents are required to file a claim:

• Claim form which is Duly filled
• Photocopy of ID card
• From the doctor to be get the Medical certificate which is diagnosed that is critical illness, and discharge summary details. Then along with these documents insured one to be submitted to Insurance Company. Claim department will be checked and ensure their authenticity. Finally written communication will be send to client regarding the claim is approval or disapproval.

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