Critical Illness Cover
How Much CI Do You Need?
Lump Sum on Diagnosis
Calculate your critical illness cover requirement — treatment costs plus income replacement. See why CI insurance is separate from health insurance and how much is enough.
Critical Illness Cover Calculator
How much CI cover do you really need?
Critical Illness at a Glance
Why every working Indian needs CI cover
Critical Illness Guide
Why CI insurance is not optional for working Indians
CI vs Health Insurance
Health insurance pays hospital bills. CI insurance pays YOU a lump sum on diagnosis — regardless of hospital bill. Use it for treatment abroad, paying EMIs during recovery, replacing income loss, or home modifications for disability.
How Much Cover You Need
Diseases to Watch For
- Cancer: 1 in 9 lifetime risk
- Heart attack: Leading killer in India
- Stroke: 1.8M new cases annually
- Kidney failure: High dialysis cost
- All covered under standard CI plans
Choosing a CI Plan
- Number of diseases covered (more = better)
- No sub-limits on any disease
- Shorter survival period (ideally 0–15 days)
- All stages of cancer (not just advanced)
- Single premium or regular premium option
Frequently Asked Questions
Critical illness cover questions answered
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