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What is Critical Illness benefit?

In addition to the benefits under the Life option, you are also covered for the Critical Illness (CI) benefit under Life and Health and All in One option. The CI benefit offers you coverage against 34 critical illnesses.

  • When a major illness strikes, it can place a huge burden on your family, not only because of the cost of medical care but also because you may not be able to work. To protect you against this, we will pay you the CI benefit, as a lump sum to meet your financial needs.
  • The benefit is payable irrespective of the actual expenses incurred by the policyholder. This benefit is payable on first occurrence of any of the covered 34 illnesses.
  • The CI benefit, is accelerated and not an additional benefit which means, the policy will continue with the Death benefit reduced by the extent of the CI benefit paid.
  • Premium payment on account of CI benefit will cease after payout of CI benefit and the future premiums payable under the policy for death benefit will reduce proportionately.
  • If CI benefit paid is equal to the Death benefit, the policy will terminate on payment of the CI benefit.
  • In case of incidences covered under accidental Permanent Disability as well as Cl, benefits shall be paid out under both the options

To get your quote for Critical Illness Benefit, please click here