We’re confident that this idea has crossed your mind numerous times. But do you have the right answer yet? No need to worry—we’re here to support you and help alleviate your concerns.

Having clarity is always preferable when it comes to investing your hard-earned money. We understand how crucial it is for you to grasp all the coverages, features, exclusions, and claims processes of a health insurance policy. With the right knowledge, you can make an informed decision about the best insurance plan for you.

To assist you, here’s a comparison table outlining the key differences between regular health insurance and critical illness cover, giving you a clearer understanding:

Regular Health Insurance vs. Critical Illness Cover

• Coverages:
  • Regular Health Insurance covers hospitalization expenses, doctor’s consultation fees, ambulance services, treatment charges, pre- and post-hospitalization costs, check-ups, investigations, and medicines.
  • Critical Illness Cover provides financial protection for 10 specific illnesses, including cancer, coronary artery bypass surgery, heart attacks, kidney failure, organ transplants, stroke, and more.
• Payout:
  • A standard health insurance policy reimburses medical expenses, adjusting the sum insured accordingly.
  • A critical illness policy provides a lump sum payment upon diagnosis of a covered illness, after which the policy terminates.
• Number of Claims:
  • Regular health insurance allows multiple claims and can be enhanced with additional covers like our Extra Care Plus policy.
  • Critical illness insurance permits only a single claim during the policy term, after which the policy expires.
• Policy Term:
  • Regular health insurance policies typically have terms of 1, 2, or 3 years, requiring renewal upon term completion.
  • A critical illness policy is renewed annually and offers a lifetime renewal option.
• Cashless Claims:
  • Regular health insurance enables cashless claims at network hospitals.
  • Critical illness insurance is renewed annually and also offers a lifetime renewal option.
• Premium Amount:
  • Regular health insurance premiums are higher due to their comprehensive coverage.
  • Critical illness insurance premiums are lower, as coverage is limited to the specified illnesses.

We hope this comparison clarifies many of your doubts. However, if you still have questions, feel free to reach out to us—online or offline—through our customer care representatives. You can also explore our brochures on our website to gain a more comprehensive understanding of different health insurance plans.

We trust this information will help you understand health insurance terminology and analyze critical illness insurance plans. This way, you can make a well-informed decision to secure both a standard health insurance plan and a critical illness cover—protecting yourself and your family from unexpected medical expenses.

Remember, we’re here for you and committed to your well-being. If you encounter any challenges, don’t hesitate to contact us.