Cancer, Heart Attack, Stroke, Kidney Failure, Organ Transplant — critical illness diagnosis tarvata treatment cost plus income loss kuda cover avvaali. DSA Loan Agent best critical illness plan select cheyyadaniki free gaa help chestadu. One diagnosis — full sum insured payout.
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Critical illness is not just an insurance product — it's your family's financial safety net. We make sure the right plan reaches you at the right price.
Star Health, HDFC ERGO, ICICI Lombard, Max Bupa, Bajaj Allianz, Tata AIG — we compare all plans and pick your best match.
Cancer cover, cardiac cover, multi-organ cover — we know which insurer's policy covers the most illnesses at the best price for your age and health.
Same cover, different premiums across insurers. Agent compares 15+ plans and finds you the lowest premium for maximum sum insured.
We never charge policyholders. Insurers pay us commission — plan comparison, documentation, claim support, zero cost to you.
Most critical illness plans issued digitally within 24–48 hours after medical underwriting. Agent tracks every step until policy in hand.
When illness strikes — that's when you need us most. Agent assists with claim documentation and follow-up so family can focus on recovery.
Complete overview of what critical illness insurance covers and what policyholders can expect on diagnosis.
Choose cover based on treatment cost + income replacement need
Full lump sum paid on first diagnosis — no hospital bills needed
Cancer, heart attack, stroke, kidney failure, organ transplant & more
Must survive 30 days after diagnosis for payout
Initial waiting period from policy start date
Annual renewable or long-term options available
Premium fully deductible under Section 80D
Lifetime renewable with no exit age
Any Indian resident between 5 and 65 years of age can purchase critical illness insurance, subject to medical underwriting.
Indian resident. NRIs also eligible with some insurers — separate plans available.
Typically 5 to 65 years. Some insurers allow up to 75 years with medical underwriting.
Must not have been diagnosed with the covered illnesses prior to policy purchase. Pre-existing CI conditions excluded.
Medical examination may be required above certain sum insured or age — insurer-specific. Agent arranges home sample collection.
Smoking, tobacco, alcohol habits must be disclosed honestly. Non-smokers get lower premium rates.
💡 Family History of Cancer / Heart Disease? Some insurers load premium for family history. Agent identifies insurers who do not penalise family medical history — saving you 15–25% on premium.
90 days initial waiting period from policy start date — no claims during this window. Accident-related CI may be exempt.
Policyholder must survive 30 days post-diagnosis. Some plans now offer 0-day survival for specific conditions.
Illnesses diagnosed before policy purchase are excluded. Honesty in declaration is critical — undisclosed conditions lead to claim rejection.
Recommended: minimum 5x annual income or ₹25 Lakhs — to cover treatment cost and 2 years income replacement.
💡 Already have Health Insurance? Critical illness works differently — health insurance reimburses hospital bills; critical illness gives a lump sum regardless of actual bills. Both are needed for complete financial protection. Agent explains how to combine both optimally.
Minimal documentation needed. Agent helps compile everything and submits digitally to insurer for fastest policy issuance.
📱 All documents can be submitted digitally via WhatsApp. Agent will verify completeness and submit to insurer on your behalf.
30+ critical illnesses covered across leading plans. Coverage varies by insurer — agent ensures you pick the plan with maximum relevant coverage for your health profile.
🏢 Top insurers offering comprehensive Critical Illness cover:
From quote to policy in hand — agent handles everything. Digital process, doorstep support.
Call or WhatsApp Agent with age, existing health conditions, family medical history, and desired sum insured.
Agent compares 15+ insurers — illnesses covered, exclusions, survival period, premium, and claim settlement ratio.
Agent collects KYC and health documents digitally. Proposal form filled and submitted to chosen insurer on your behalf.
Insurer reviews application — medical tests (if required) arranged by agent at home. Usually completed in 2–5 working days.
Policy document sent to your email and WhatsApp. Agent explains key clauses, exclusions, and claim process before closing.
A serious illness doesn't just affect your health — it wipes out savings, disrupts income, and burdens family. This plan protects all three.
Unlike health insurance, CI pays a fixed lump sum on diagnosis. Use it for treatment, experimental therapy, overseas treatment, home modification, or debt repayment — no restrictions.
Critical illness treatment often means months away from work. Lump sum replaces lost income during the long recovery period — no EMI default, no family hardship.
Premium paid for self and family is 100% deductible under Section 80D — up to ₹25,000 for self/family, ₹50,000 if parents are senior citizens. Real savings every year.
Health insurance pays the hospital bill. CI insurance pays YOU directly. Having both ensures zero out-of-pocket expenses even for the most expensive treatments like cancer chemotherapy.
Lump sum can be used for treatment at any hospital globally — including USA, UK, Singapore. No insurer approval needed for where you spend the claim amount.
₹25 Lakhs CI cover for a healthy 35-year-old costs approximately ₹500–₹700/month. That's less than a Netflix subscription protecting your family from financial ruin.
Compare top critical illness plans and understand what you pay versus what you get covered for.
| Insurer / Plan | Illnesses Covered | Max Sum Insured | Approx. Premium* |
|---|---|---|---|
| Star Critical Illness Multipay | 37 Illnesses | ₹1 Crore | ₹550/month (₹25L, age 35) |
| HDFC ERGO Critical Illness | 15 Illnesses | ₹50 Lakhs | ₹480/month (₹25L, age 35) |
| ICICI Lombard Critical Illness | 9 Illnesses | ₹50 Lakhs | ₹390/month (₹25L, age 35) |
| Tata AIG Criticare Plus | 11 Illnesses | ₹50 Lakhs | ₹420/month (₹25L, age 35) |
| Bajaj Allianz Critical Illness | 10 Illnesses | ₹50 Lakhs | ₹410/month (₹25L, age 35) |
| Aditya Birla Activ Secure CI | 64 Illnesses | ₹1 Crore | ₹680/month (₹25L, age 35) |
| Care (Religare) Critical Illness | 32 Illnesses | ₹75 Lakhs | ₹510/month (₹25L, age 35) |
| Manipal Cigna CritiCare | 30 Illnesses | ₹1 Crore | ₹570/month (₹25L, age 35) |
⚠️ *Premiums indicative for healthy non-smoker male age 35, ₹25L sum insured. Actual premium depends on age, health, tobacco use. Agent provides exact quote for your profile.
Full sum insured paid as a single lump sum when covered illness is diagnosed and 30-day survival period is completed. No bills, no reimbursement process — direct bank transfer.
100% Sum Insured PaidSome plans (Star Multipay, Aditya Birla) allow multiple payouts for multiple illness diagnoses — sum insured reinstated after each claim. Best for comprehensive long-term protection.
Multiple Claim OptionsPremium paid is deductible under Section 80D — ₹25,000/year for self and family under 60. ₹50,000 if parents are senior citizens. Over ₹15,000 annual tax saving possible.
Up to ₹50,000 DeductionBuying 2-year or 3-year policy upfront gives 5–10% premium discount. Also avoids annual renewal hassle and rate increases. Agent recommends best tenure for your situation.
Up to 10% Multi-Year DiscountSome plans increase sum insured by 10% every claim-free year at no extra cost — up to 50% increase. Your cover grows as you age without paying more premium.
Sum Insured Grows Each YearCritical illness insurance lo common doubts — clear, honest answers.
Naa uncle ki kidney failure diagnosis vacchindi — chala shock ayyindi. But thank god agent 2 years back ₹25 Lakhs CI policy teesukunnadu. Diagnosis tarvata 12 days lo ₹25 Lakhs lump sum payment ayyindi. Dialysis costs, medicines, income loss anni cover ayyindi. Agent claim process ki kuda full help chesadu. Invaluable!
Age 38 lo breast cancer diagnose ayyindi. Naa husband ki chala tension ayyindi financially. Agent 3 years before ₹50 Lakhs Aditya Birla CI plan teesukogottadu. Policy undaada ani antha panic lo kuda remember chesam — agent call chesadu, documents collect chesadu, 10 days lo ₹50 Lakhs bank account lo vacchindi. Treatment, rest anni peacefully chesam.
Heart bypass surgery ki ₹8 Lakhs hospital bill vacchindi — health insurance cover chesindi. But 6 months work cheyyaleka potee EMI, rent, children schoolfees — ₹30 Lakhs CI payout avi anni handle chesindi. Agent rendu policies combination suggest chesadu — health insurance + CI. Perfect combination. Agent fee emi cheyyadam ledu. Chala greatful!
Fill the form and Agent will call back within 30 minutes — compare 15+ insurers, understand what's covered, and get the best critical illness plan for your age and health profile.
Mon – Sat: 9:00 AM – 7:00 PM
Andhra Pradesh & Telangana
🔒 Your health data is confidential. Agent will call within 30 minutes during business hours.