When does Critical Illness Cover come in handy, and what diseases are covered in it?

Nowadays, people are becoming aware of health insurance. By taking health insurance, in case of all kinds of common diseases, the expenses from hospitalization to doctor's fees, medicines, and tests are covered. But in case of any serious disease, it will not be of full use to you. Critical Illness Cover is required for this. Critical Illness Insurance Plan gives coverage to serious problems like cancer, heart attack. Know why it is important and what kind of diseases are covered in it.

Understand why critical illness insurance is important

In today's time, critical illness insurance is important for everyone because due to bad lifestyle, people are getting serious problems even at a young age. In such difficult situations, this policy ensures that your savings are not affected during any kind of emergency. Critical illness insurance provides coverage to serious problems like heart attack, cancer, kidney failure, paralysis, tumor, coma, organ transplant, these are diseases that usually affect the major organs of your body and require long-term treatment.

What are its benefits

Critical diseases that can take a toll on your finances and whose treatment is very expensive, get coverage, this provides a huge financial help in difficult times.

It provides treatment for those critical diseases which are not covered in health insurance.

If you have this insurance cover, then in case of treatment, you can easily meet the medical expenses of even the best hospitals.

You can avail tax benefits in this under section 80D. The process of claiming is very easy.

In case of serious illness, you are paid lump sum or separately by the company. This eliminates the hassle of getting money from the insurance company.

How to choose a critical illness plan

If you are going to buy a critical illness insurance policy, then read its terms and conditions carefully. Along with this, first understand your family's medical history, personal health condition and the risk of getting the disease properly and choose the policy only after analyzing all the situations.

Which diseases are covered

Critical illness insurance provides coverage for all critical conditions like heart attack, brain stroke, paralysis, kidney failure, organ transplant, cancer, coronary artery bypass surgery, heart valve replacement etc.