Top 10 Diseases Covered Under Critical Illness: A Quick Overview

Top 10 Diseases Covered Under Critical Illness: A Quick Overview

With the rapid change in lifestyle, work stress, and unhealthy food habits, several people are being diagnosed with critical illnesses. Whether it’s cancer, heart attack, or HIV, these ailments can affect you physically, mentally, and financially. 

Since these conditions can be alarming and possibly threaten your life, it is better to get critical illness insurance. Critical illness insurance covers numerous medical conditions that are becoming common among Indians nowadays. 

If you do not have any critical illness insurance yet, get yourself one today. You can get in touch with the best health insurance company in India to buy the same. As treatment of critical illness can be expensive, your insurer will cover all the requisite costs.

What is Critical Illness Insurance?

Critical illness insurance provides coverage against life-threatening diseases like cancer, kidney failure, etc. Since these diseases require a lengthy treatment procedure, expenses may go up. So eventually, it will have a significant impact on your finances, therefore can drain your life savings completely. 

Treating diseases like brain tumours, paralysis, heart condition, cancer, etc., can be extremely pricey. But with critical illness insurance, you can handle expenses related to life-threatening critical illnesses. In other words, you need not to pay anything from your pockets as your insurance provider will do the needful.

What are the Features of Critical Illness Insurance Plans?

Like any other insurance plan, a critical illness policy also has significant features. Here, we have listed down the features of a critical illness insurance plan. Check them out.

  • Lump-Sum Payment

When you are diagnosed with a critical illness, your insurer will provide you with a lump sum. This money will help you cover all the expenses for treating your critical illness.

  • Coverage of All Critical Ailments

Niva Bupa, the leading health insurance company in India, provides coverage for 20 acute diseases. They include cancer, coma, stroke, heart attack, etc.

  • Waiting Period

The waiting period differs from insurer to insurer. In most cases, you will be granted your coverage after the waiting period is over. Thus, it is advisable to check policy details before buying one.

  • Easy Claiming Procedure

The claim can be easily and processed made after the treatment. You need to provide your diagnosis report to your insurer and claim your deserved sum. 

  • Making Up the Loss of Income

A serious or critical illness may lead to a loss of income. A critical illness cover will provide you with lump-sum money which can be used as an option for income replacement.

Know About the Top 10 Critical Diseases 

The best health insurance company in India, Niva Bupa, provides coverage against as many as 20 acute diseases. Here’re the 10 most common critical illnesses that are covered under Niva Bupa critical illness plan:

  • Open chest CABG
  • Cancer of certain specified severity
  • First heart attack of specified severity
  • Permanent symptoms resulting out of stroke
  • Repair of heart valves or open heart replacement 
  • Coma of certain specified severity
  • Paralysis of limbs
  • Regular dialysis for kidney failure
  • Permanent symptoms resulting out of Motor neurone disease
  • Major bone marrow or organ transplant

Importance of Critical Illness Insurance

Apart from offering a lump sum amount that is used to cover the treatment cost arising from specific illnesses, it offers other benefits as well. Critical illness insurance increases your chances of survival as it covers all kinds of acute diseases. So with more considerable funds, you can get the proper treatment for yourself. And in return, your chances of survival will automatically increase.

About the author


Mike K. Watson

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