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Critical Illness Insurance

What is a Critical Illness Insurance Plan?

You might debate that as you are covered in a comprehensive health insurance plan and also under group medical policy offered by your employer, you do not require any additional coverage. Well, yes, but any critical illness calls for specialized treatment & care and as your comprehensive health plan has limitations on hospitalization, doctors' fees, etc. it will not cover the entire medical expense towards treatment.

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In simpler terms, there is a limit on certain expenses like prosthetic, intensive care or even medicines and your spending on such ailments is always more than what your health insurer will pay. In such cases, you'll have no option but you'll end up paying from your own pocket.

Examples of Critical Illnesses:

  • Heart attack
  • Stroke
  • Major Organ Transplantations
  • Kidney failure
  • Paralysis

Note: You can claim only once on your Critical Illness insurance policy and then it stands terminated.

Importance of Critical Illness Insurance

Any major sickness or illness can have a debilitating effect on the patient’s life. It leads to huge medical treatment costs and the same time leaves the family members shattered both emotionally as well as financially. At such circumstances, a Critical Illness Insurance comes as a real saviour, guaranteeing financial protection whenever there is shortage of funds for getting the patient treated. Here, the insurance company offers an amount in lump sum in case the insured gets diagnosed with any of the critical illnesses mentioned in the policy document. Covering the medical costs of the patient as well as the day-to-day expenses of the family members would be taken care by the Critical Illness Insurance Plan.

Critical Illness Insurance Plans from Top Insurers

Bharti AXA Smart Health Critical illness Policy

Bharti AXA Smart Health Critical illness plan offers coverage to an individual post first diagnosis of critical illness. Mentioned below are the features, benefits and coverages of this critical illness cover: Plan Variants:

Bharti AXA SmartHealth Critical Illness Insurance Policy offers two variants. They are

  • On diagnosis, the plans pays for treatment of critical illnesses
  • Pays compensation after survival for more than 30 days post diagnosis of critical illnesses

Features and Benefits:

  • Offers daily cash benefit for claims under Section I of the policy. With this benefit the insured is eligible for daily cash as follows:

Dreaded disease recuperation cover- In case you are diagnosed with any critical illness that is listed under this policy (list mentioned below), a daily cash of INR 500 per day up to a maximum of 45 days would be provided. Hospital Daily cash allowance- This insurance plan offers hospital daily cash allowance benefit that enables you with an allowance of INR 750 per day for a maximum of 30 days, in case the hospitalization exceeds 3 days.

  • This plan also offers a benefit to the person accompanying the insured by offering INR 250 for a maximum of 10 days
  • This plan does not have limit over room expense cover as well as co-pay option
  • This plan provides a premium discount of minimum 5% up to a maximum of 25% for each unclaimed year. However, once you register a claim, this cumulative discount is reduced to zero
  • Offers pre hospitalization expense for a maximum of 30 days and a maximum hospitalization for maximum of 60 days
  • Offers reimbursement of 50% of the amount spent on pre-policy health check-up.
  • Offer coverage for ambulance charges up to INR 2,500 for transportation to and from the hospital
  • This plan offers the cost of treatment for the organ if there is a need of major organ transplant for the insured.
  • This plan offers coverage for claims under Section I of this policy. Convalescence benefit up to INR 12,500 post hospitalization is offered if it exceeds 8 days.
  • This plan offers coverage for in-patient physiotherapy up to 2% of sum insured.
  • This benefit is provided under Section I of Smart Health Critical illness plan in the case of death of the insured due to critical illness covered under this policy. An allowance of up to Rs.5,000 for a maximum of two dependent children up to age 23 years pursuing education is provided. Survival period:

30 days

Waiting Period:

  • To claim for benefits under any Section (Sec. I or Sec. II), a waiting period of 60 days after commencement of policy is applicable. However, this period is waivered off after timely renewal.
  • Pre-existing conditions are covered only after 4 years of continuous coverage.
  • Specified illnesses have a waiting period of 2 years applicable in this plan.

Coverage:

  • Offers coverage for hospitalisation expenses
  • Offers coverage for day care treatment
  • Offers coverage for pre and post hospitalisation expenses
  • Offers coverage for domiciliary hospitalisation
  • Covers pre-existing diseases post 4 continuous policy renewals
  • Policy covers 20 Critical Illness mentioned below
    • First heart attack
    • Stroke
    • Cancer
    • Kidney failure
    • Major burns
    • Coma
    • Terminal illness
    • Bacterial meningitis
    • Organ / bone marrow transplant
    • Fulminant hepatitis
    • Multiple sclerosis
    • Surgery to aorta
    • End stage liver failure
    • Coronary artery disease
    • Aplastic anaemia
    • End-stage lung disease
    • Primary pulmonary hypertension
    • Heart valve surgery
    • Coronary artery bypass surgery
    • Motor neuron disease

Exclusion:

  • Doesn’t offer Pre-existing diseases and related conditions for the first 4 years since the inception of the policy
  • AIDS, HIV and related diseases
  • Psychiatric and mental/ stress disorders
  • Any treatment undertaken post consumption of alcohol or drugs
  • Unani, cosmetic, aesthetic, Naturopathy, plastic surgery treatments
  • Congenital Diseases
  • Unrecognized or experimental treatment

Waiting Period:

  • To claim for benefits under any Section (Sec. I or Sec. II), a waiting period of 60 days after commencement of policy is applicable. However, this period is waived off after timely renewal.
  • Covers Pre-existing conditions only post completion of 4 policy years.
  • Specified illnesses have a waiting period of 2 years applicable in this plan.

Religare Care Insurance Policy

Critical illness insurance cover offered under Religare Care Insurance Policy along with an array of benefits ismentioned below. Let’s have a look at them: Features & Benefits

  • Offers coverage for around 170 procedures needs you to be hospitalized for 24 hours a minimum in case you want to register a claim.
  • Offers no-claim bonus that is equal to 10% of basic sum insured up to a maximum of 50 % is available. However, the moment you register a claim, the bonus amount is reduced by 10% of sum insured.
  • Offers additional no-claim bonus as an option that will provide an additional bonus which would be equal to 50% of sum insured. Thus, the total no-claim bonus would also increase to 60% of sum insured up to a maximum of 100%. However, this would also reduce the bonus amount to 60% post registering any claim.
  • Offers organ donation covers in case of any expenses related to organ donation in the range of INR 50,000 to INR 3,00,000.
  • Offers 30 days pre-hospitalization and 60 days post-hospitalization
  • Offers restore benefit that is equal to 100% of the sum insured.
  • Room rent limits which are equal to:
    • 1% of total sum insured between Rs.3 lacs and Rs.4 lacs
    • Single private room for sum insured between Rs.5 lacs and Rs.10 lacs
    • Single private room upgradable to next level for a sum insured between Rs.15 lacs and Rs.60 lacs

Eligibility

Exclusion:

Religare Care Plan does not offer any treatments due to the below mentioned conditions:

  • Any disease or illness that starts showing symptoms within 30 days of the policy period
  • AIDS
  • Attempted suicide
  • Congenital disease
  • Pregnancy, childbirth, miscarriage, and abortion
  • Any treatment that was under the influence of alcohol or drug
  • Infertility and IVF treatments
  • Hospitalization out of war, riot, strike and nuclear weapons

Waiting Period:

A 30 days cooling off period for all claims except the ones arising out of accidental injuries.

Apollo Optima Vital Health Insurance Policy

Apollo Health Insurance offers you a critical illness cover names Apollo Optima Vital Health Insurance with a higher coverage and at a lower premium. Let’s have a look at the features and the scope of cover that this plan offers: Features & Benefits:

  • Offers a lump sum amount if the policyholder is diagnosed with any Critical Illness that the plan covers or if a surgery is commenced in respect of the covered Critical Illness
  • Offers lifelong renewability
  • Offers an option of either policy term of 2 years or annual
  • Offers coverage for 37 Illnesses
  • Offers a discount of 7.5% for opting for a 2 year policy
  • E-opinion is available where the company’s panelled doctor offers expert advice if case of a Critical Illness
  • Offers addition of maximum 6 people that can be added in an Individual Policy with a maximum of 4 adults and 5 children
  • Offers Free Healthline Service offering primary consultation, individual referrals, health counselling, nutrition and diet.

Coverage:

The plan offers coverage for 37 Critical Illnesses. The amount in lump sum is paid if the insured gets diagnosed with the illness of defined severity or during the time of undergoing surgery for the covered Illness. Mentioned below is the list of illnesses that are covered as follows:

  • Cancer of specified severity
  • Multiple Sclerosis with persisting symptoms
  • End stage Liver Disease with specified severity
  • Kidney Failure requiring regular Dialysis
  • COMA of specified severity
  • Bacterial Meningitis
  • First Heart Attack of specified severity
  • Major burns
  • Goodpasture’s Syndrome
  • Apallic Syndrome
  • Aplastic Anaemia
  • Systemic Lupus Erythematosis
  • Multiple System Atrophy
  • Progressive Scleroderma
  • Open Chest CABG
  • Major organ or Bone Marrow Transplant
  • Aorta Graft Surgery
  • Primary Parkinson’s Disease
  • Alzheimer’s Disease
  • Stroke resulting in permanent symptoms
  • Permanent Paralysis of limbs
  • Benign Brain Tumour resulting in permanent neurological symptoms
  • Cardiomyopathy
  • Open Heart Replacement or repair of heart valve
  • Pneumonectomy
  • Pulmonary Artery Graft Surgery
  • Motor neuron disease with permanent symptoms
  • Primary Pulmonary Arterial Hypertension
  • End stage Lung Disease
  • Creutzfeldt-Jakob Disease (CJD)
  • Major Head Trauma
  • Encephalitis
  • Brain Surgery
  • Progressive Supranuclear Palsy
  • Blindness’
  • Deafness
  • Total loss of speech

Eligibility:

Exclusions:

  • All treatments except within first 90 days
  • Pre-existing conditions for first 4 years
  • Maternity or pregnancy related treatment
  • Congenital internal and external disease, defects or anomalies
  • Hospitalization due to war
  • Any Critical Illness in presence of HIV or AIDS
  • Abuse of drugs, alcohol, hallucinogens, intoxicant
  • Hospitalization due to war

Waiting Period:

  • Covers pre-existing condition post completion of 4 years for certain diseases such as joint replacement, hernia, surgery of hydrocele, cataract, etc.

Max Bupa CRITICARE Policy

Max Bupa CRITICARE is a Critical Illness insurance cover offers a host of benefits. Let’s have a look at them: Plan variants:

Benefit Option 1: Sum insured payable as lump sum Benefit Option 2: Sum insured payable as lump sum plus additional 10% of the sum insured payable each year for subsequent 5 years. Features and Benefits:

  • Offers direct claim settlement
  • Offers lifelong renewability
  • Offers income tax benefit under Section 80D of the Income Tax Act, 1961 for the total premiums you paid Coverage:

The below mentioned illnesses are covered by Max Bupa Critical Illness:

  • Cancer
  • First Heart Attack
  • Open Chest Coronary Artery Bypass Surgery
  • Open Heart Valve Replacement or Repair
  • Coma
  • Kidney failure
  • Stroke
  • Major Organ Transplant
  • Paralysis
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Aplastic Anaemia
  • Bacterial Meningitis
  • Loss of Speech
  • End Stage Liver Disease
  • Deafness
  • End-stage Lung Disease
  • Fulminant Viral Hepatitis
  • Major Burns
  • Muscular Dystrophy

Eligibility:

Exclusions:

  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)
  • The Insured Persons attempted suicide or self-inflicted injuries while sane or insane
  • Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or the Insured Person’s abuse of drugs and/or consumption of alcohol
  • Failure to seek or follow Medical Advice
  • War (whether war be declared or not), invasion, act of foreign enemy, hostilities, armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
  • Taking part in any naval, military or air force operation during peace time
  • Participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports
  • Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
  • Participation by the Insured Person in a criminal or a breach of law with criminal intent
  • Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature

Waiting Period:

  • Any pre-existing disease or a condition would be covered post completion of 4 policy years

HDFC ERGO Critical Illness Policy

Plan variants:

  • Silver and Platinum Features & Benefits:
  • Safeguards your finances
  • Ensures quality medical treatment
  • Offers free look period of 15 days beginning from the policy issuance date
  • Doesn’t require medical check-ups till the age of 45 years
  • Offers lifetime renewability
  • Offers income tax benefit under Section 80D of the Income Tax Act, 1961 for the premiums paid

Coverage:

The List of Ailment Covered Under Critical Illness Plan Are:

  • Heart Attack (Myocardial Infraction)
  • Coronary Artery Bypass surgery
  • Kidney Failure
  • Major Organ / Bone Marrow Transplant
  • Multiple Sclerosis
  • Stroke
  • Cancer
  • Primary Pulmonary Arterial Hypertension
  • Paralysis
  • Aorta Graft Surgery
  • Heart Valve Replacement
  • Benign Brain Tumor
  • Parkinson’s Disease
  • Alzheimer’s Disease
  • End Stage Liver Disease

Eligibility Criteria:

Silver - Entry Age - 5 to 65 years.

Sum Insured Options – Rs. 5 Lakh, Rs. 7.5 Lakh and Rs. 10 Lakh

Platinum - Entry Age - 5 to 65 years.

Sum Insured Options – Rs. 2.5 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh and Rs. 10 LakhGold - NA (this plan is discontinued and there is no information available on the eligibility criteria). Exclusions:

  • A waiting period of 90 days will apply to all claims unless the Insured Person has been insured under this policy continuously and without any break in the previous Policy Year.
  • War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind.
  • Insured Person committing or attempting any breach of the law with criminal intent or Arising out of or as a result of any act of self-destruction or self-inflicted injury, attempted suicide or suicide.
  • Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
  • The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as drugs and alcohol, including smoking cessation programs and the treatment of nicotine addiction or any other substance abuse treatment or services, or supplies.
  • Venereal disease, sexually transmitted disease or illness; “AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human immunodeficiency virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS related complex), Lymphomas in brain, Kaposi’s sarcoma, tuberculosis.
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section), congenital internal and external diseases, defects or anomalies. 2
  • Any exclusion mentioned in the Schedule or the breach of any specific condition

Waiting Period:

  • A waiting period of 90 days will apply to all claims unless the Insured Person has been insured under this policy continuously and without any break in the previous Policy Year.

Important Aspects to Look for Critical Illness Insurance

Once you have decided to buy a critical Illness plan, it is important to evaluate what’s on offer. Below are few checkpoints you might want to consider.

Survival Period: Typically, a critical illness policy is bundled with a survival clause of 30 days; some health insurance companies, depending upon the illness, may extend it beyond 30 days—that signifies that the insured should survive for 30 days post diagnosis of the ailment to claim the policy. This is different from the waiting period that most insurers impose on the policy holders after the purchase of a health insurance plan.

Total Ailments Covered: One of the first few things you need to consider before freezing on any Critical Illness insurance is to check the total critical ailments covered by the policy. While some plans like HDFC Ergo Critical Illness Insurance covers 8 critical ailments, Religare Assure plan covers as many as 20 major illnesses. Hence, it’s imperative to properly research the plans before finalizing on one.

Built-in Coverage: While the critical Illness plan is aimed to provide financial armor against the detection of any major life threatening disease, some insurance companies offer several built in coverages. Personal Accident Cover, Child Education Benefit, Hospital Cash, Complementary Health Checkup, etc. are some of them so that your loved ones are least affected in situations you are incapable of supporting them financially, as the illness strikes.

Pre-existing Disease: While some plans will cover any pre-existing diseases after a waiting period of 48 months, plans like Religare Assure does not cover them at all. Hence, one need to do a careful assessment on what’s covered in pre-existing clause.

Free-look: Mostly, all insurance companies offer a free-look period of 15 days to review your decision. During this period, if you find the plan unsuitable to your needs, you can request for cancellation and subsequent refund.

Tax Benefit: As per the prevailing rates of the Income Tax Act, 1961 (u/s 80D), you can avail the tax benefit on the premium you pay towards the premium.

How to Choose the Best Critical Illness Insurance?

Mentioned below are the factors that you need to keep in mind to select the best critical illness insurance:

Coverage: It makes sense to opt for a product that provides maximum coverage. Here, it is important that you figure out the number of critical illnesses that are covered under the plan. The more coverage for illnesses, the better the insurance policy.

Survival & Waiting Period: Usually critical illness policies have a survival clause of 30 days from the date of diagnosis for the person who is insured. A waiting period of 90 days too should be adhered from the beginning of the insurance policy. Also, there is a waiting period for the pre-existing diseases which is around 3 to 4 years. Opt for the critical illness cover that has a limited waiting and survival period.

Sum Assured: Opt for a critical illness cover that offers a cover of that sum assured you wish to opt for in case of an emergency.

Incurred Claim Ratio: Insurer’s keeping up their promises to settle your claim on-time and hassle-free is what you should be looking for. Incurred Claim Ratio is what you should look out for while opting for a good critical illness health insurance.

How to Choose the Sum Insured?

The above chart demonstrates an alarming growth in cost of treatments over years. With this upsurge, it is practical to choose a sum insured basis a systematic research involving the cost of treatments, ensuing recuperative aids, potential financial liabilities in case of income loss, etc. Most insurance companies offer vast range of sum insured ranging from Rs.5 Lac to as high as Rs.1 Crore.

Million Dollar Question: Standalone or as a part of health plan? You are blessed with a choice there. You can either opt for a standalone policy or can combine it to form a part of your base health plan. There are no major changes in the policy terms and conditions in both the options. The choice between a standalone policy or as an add-on feature purely depends on your individual needs. By and large, a standalone policy provides more flexibility in the sum insured and extensive cover in comparison to an add-on. The cap on sum insured for an add-on is mostly the same as the base plan. Hence, if you have invested in a health plan of Rs.3 lakh and opt for a critical illness add-on with it, it is very unlikely that the insurance company will offer you a sum insured in excess of Rs.3 lakh for the add-on cover.

Exclusions of Critical Illness Insurance

Every insurance policy has its own terms and conditions and similarly, Critical Illness Insurance Plan comes with its own restraints. Some of the conditions mentioned below are not covered under the plan:

  • Critical Illnesses as a result of self-inflicted injury
  • Critical illnesses arising due to alcohol or drug use/misuse/abuse
  • Critical Illnesses acquired due to Human Immune-deficiency Virus (HIV) infection
  • Critical Illness caused due to any cosmetic & aesthetic and obesity related treatment
  • Critical illnesses attributed to congenital diseases

For details on what's excluded in the coverage of critical Illness Plan, kindly refer to the policy wordings.

Who Should Buy Critical Illness Plan?

Critical Illness Insurance Plan is intended to shield you with a strong financial backup in case you’re diagnosed with any of the major illnesses. The money you claim on your policy can be used to pay off mortgage, children’s education, home improvement, medical treatment, etc. – just the way you want. Opting for a critical Illness cover will be an ideal choice for you, if –

  • You have not suitably arranged to save for the rainy days
  • Your health plan or the employer insurance cover isn’t sufficient to cope with any expensive medical care

Documents Requirement for Critical Illness Insurance Plan

The Below Documents Would Be Required For Applying For A Critical Illness insurance Plan:

Age Proof: The age proof can be any of these – Driving license, School/college certificate, Passport, PAN card, Birth Certificate.

Identity Proof: Voter ID, driving license, PAN card or Aadhar card can be used an identity proof.

Address Proof: Electricity bill, Bank account statement can be presented as the proof of address.

Income Proof

Duly Filled Proposal Form

Documents Requirement to Claim under Critical Illness Insurance Policy

To Initiate The Claim, The Insured Should Offer The Below Documents For The Initial Assessment Of The Claim:

  • Duly filled and signed claim form
  • Medical Certificate confirming the diagnosis of Critical Illness
  • A medical certificate, investigation test report, etc. from an attending Medical Practitioner authorising that the claim does not relate to any Pre-existing conditions or any Illness or Injury which was diagnosed within the first 90days of the inception of the Policy.
  • Discharge Card/ Death Summary from the hospital, if applicable
  • First Consultation letter and subsequent prescriptions
  • Specific documents listed under the respective critical illness
  • Know your client doc (KYC)
  • In the case critical illness arises due to an accident, FIR copy would be required.
  • Other medical or Pharmacy Bills along with the required prescriptions

Customer Reviews on Critical Illness Insurance Plan

  • Critical illness insurance cover offers you a lump sum amount in case of the diagnosis of the critical illness that is mentioned in the particular policy document. It covers an array of diseases such as kidney failure, heart attack, multiple sclerosis, coma, paralysis, stroke, etc.

  • The costs and time to treat these critical illnesses is sky high and therefore having a separate critical illness insurance plan in place would take care of all these costs and also help your family to manage their day-to-day expenses. Therefore, it is better you compare the critical illness covers of different insurers and then zero down on the best one.

Frequently Asked Questions

Q. Is Critical Illness Rider Available On Edowment Plans And Money Back Policies?

Ans: Riders may be attached to your insurance plans such as term plan, endowment plan, money back plan. The critical illness rider helps customize your life insurance policy.

This rider covers 4 critical illness conditions: cancer, first heart attack, stroke, and open chest CABG. If you are diagnosed with any of these 4 critical illnesses, future premiums payable under the plan and riders (if any) are waived off while your life cover as well as other rider covers continue.

Q. Why Should I Buy Critical Illness Insurance? Is It Important?

Ans: Life can throw bouncers at you when you’re least expecting them. You should buy a critical illness plan for yourself and your family members to battle financial challenges if diagnosed with a critical illness. With a critical illness plan you can receive a lump sum amount that:

  • Pay off debts
  • Takes care of treatment cost
  • Covers loss of income due to inability to earn

Q. Can I Make Multiple Claims For The Same Illness Or Any Other Critical Illnesses That Are Listed?

Ans: During the policy period, you are allowed to make only one claim on any of the listed critical illnesses mentioned in your policy document.

As soon as you make a claim, the lump sum amount shall be paid out for the particular critical illness. The policy would be automatically terminated and subsequent renewals would be allowed in the policy of the particular insured person. If at all the policy has been issued to more than one individual then the policy shall still remain active for the other policy members.

Certain insurance policies continue other benefits except for the one which you already made the claim.

If you are making a critical illness claim then the hospitalization expenses incurred will be paid under Health Insurance. The Lump sum benefit will be paid after the survival period under Critical Illness cover. It is always better to speak to your insurance company about this clause as some insurers may allow you to make more than one claim.

Q. I Wanted To Understand How Is The Pemium Determined For Critical Care plans?

Ans: Premiums for critical care insurance are determined on the sum insured stated in the policy document, the complete policy tenure, gender and health status of the insured person. The premiums vary from one individual to another depending on all these factors mentioned above.

**Q. Is it better to take critical illness cover or health insurance?

Ans: A critical illness cover offers you a lump sum amount in case of diagnosis of the critical illness that is mentioned in the policy document. However, a health insurance reimburses the medical expenses borne by you. Hence, it is better that you buy a separate critical illness cover.

**Q. Can I purchase a critical illness insurance policy online?

Ans: Yes, you can purchase a critical illness insurance policy online. You can go on the particular insurer’s website to get the needful done.