A critical illness could hit hard on the pocket for an individual due to hospitalisation and other expenses. Also, treatment for such illnesses might require the person to absent himself/herself from work. The Critical Healthline Insurance is a health insurance cover that provides a lump sum benefit if the insured individual is diagnosed with one of the critical illnesses mentioned in the policy. The plan also includes coverage for hospitalisation for regular illnesses as well. However, it is best to purchase the Critical Healthline Insurance plan along with a basic health insurance plan to enjoy complete protection for one’s health.
The insurer lays down certain eligibility criteria which should be met in order to purchase the policy. The eligibility criteria are as follows:
The key features of the health insurance plan are listed below:
Given below are the benefits offered by the plan:
|Critical Illness Benefit||On diagnosis of any of the critical illnesses mentioned earlier, the policyholder will receive a lump sum benefit which is equal to the sum insured chosen by him/her.|
|Ambulance charges||An amount up to Rs.1,000 is offered as ambulance coverage if the policyholder has opted for the Advanced option under the plan.|
The health cover lists certain exclusions from the policy. The major exclusions that apply to the policy are:
The insurer mentions the procedure for making a claim under the policy as mentioned below:
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