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Critical Illness Insurance

Critical illness insurance is a type of insurance that provides a lump-sum payment if the insured individual is diagnosed with a covered critical illness. Unlike disability income insurance, which replaces lost income due to disability, critical illness insurance pays a one-time benefit that can be used to cover medical expenses, treatment costs, mortgage payments, debt repayments, or any other financial obligations.


This insurance is designed to provide financial support during a challenging time when facing a serious illness. The lump-sum payment can help alleviate financial stress and allow the insured to focus on recovery without worrying about financial burdens. Critical illness insurance is especially valuable for individuals who may not have sufficient savings or other forms of insurance coverage to handle the high costs associated with critical illnesses and medical treatments. It provides a financial safety net and peace of mind, ensuring that the insured and their loved ones are protected against the financial impact of a serious illness.


Covered illnesses:

  1. Heart Attack

  2. Stroke

  3. Cancer (including specified types such as breast cancer, prostate cancer, lung cancer, etc.)

  4. Coronary Artery Bypass Surgery

  5. Kidney Failure

  6. Major Organ Transplant

  7. Multiple Sclerosis

  8. Parkinson's Disease

  9. Alzheimer's Disease

  10. Paralysis (loss of limbs or use of limbs)

  11. Severe Burns

  12. Coma

  13. Deafness (total and irreversible)

  14. Blindness (total and irreversible)

  15. Loss of Speech

  16. Motor Neuron Disease

  17. Aortic Surgery

  18. Benign Brain Tumor

  19. Loss of Independent Existence (requiring permanent care and assistance)

  20. Loss of Limbs

  21. Major Organ Failure on Waiting List

  22. Occupational HIV Infection

  23. Loss of Use of Limbs (paraplegia or quadriplegia)

  24. Primary Pulmonary Hypertension

  25. Third-Degree Burns

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