Critical Illness Insurance
A serious diagnosis shouldn't become a financial one.
Critical illness cover pays a tax-free lump sum the moment a listed illness — cancer, heart attack, stroke, kidney failure and more — is diagnosed. Use it for treatment, to replace lost income, or to clear loans, with no hospital bills to submit.
Why choose this plan
Cash in your hands
Get the full sum insured on diagnosis — spend it however you need to.
Covers major illnesses
Cancer, heart attack, stroke, organ failure, paralysis and dozens more.
Income protection
Replaces lost earnings during long recovery when you can't work.
Works alongside health cover
Pairs with your hospitalisation policy — one pays bills, this pays for life.
What's covered
- Lump-sum payout on diagnosis of a listed critical illness
- Cancer of specified severity
- First heart attack and open-chest bypass surgery
- Stroke, kidney failure and major organ transplant
- Paralysis and other listed conditions
What's not covered
- Illness diagnosed during the initial survival/waiting period
- Pre-existing critical illnesses at the time of purchase
- Conditions arising from alcohol or drug abuse
- Illnesses not named in the policy schedule
Exclusions vary by insurer and plan. Always read the policy wording — our advisor will explain the fine print.
Available from
How it works
Share a few details
Tell us who to cover and your budget — takes under 2 minutes.
Get matched
Our advisors shortlist the best-fit plan from our partner insurers.
Buy in minutes
Review, pay online and get your policy document instantly.
We stay with you
Free renewal reminders and hands-on claim support, always.
Get an exact quote in minutes — free & no obligation.
Frequently Asked Questions
Common questions about Critical Illness Insurance.
Ready to secure critical illness cover?
Talk to an IRDAI-certified advisor for free, honest guidance tailored to you.