Critical Illness insurance is a benefit policy which covers 10 Critical Illnesses. A critical illness health insurance Policy targets terminal illnesses like Heart Attack Stroke, Organ Transplants, Cancer, Coronary Bypass.
Hospitalisation and medical bills often tend to drain the bank account of patients. This is especially true when the patient has conditions that require highly specialised techniques. Such conditions are put in the category of Critical Illness. The illnesses in such a category may include:
Critical Illness insurance is a benefit policy which covers 10 to 37 critical illness, depend on insurar to insurar Critical Illnesses. A lump sum amount would be paid on diagnosis of one of the listed critical illness subject to the policy terms and conditions:
- Cancer of specified severity.
- Kidney failure requiring regular dialysis.
- Multiple sclerosis with persisting symptoms.
- End Stage Liver Failure
- Myocardinal Infraction (First heart attack of specific severity)
- COMA of specified severity.
- Third Degree Burns. 8. Goodpasture’s syndrome.
- Apallic syndrome.
- Aplastic anaemia.
- Systemic lupus erythematosis.
- Bacterial meningitis.
- Multiple system atrophy.
- Progressive scleroderma. (Insured person must survive 30 days from the date of actual undergoing of the below procedures) KEY BENEFITS Today we live in a fast paced and progressive world that sometimes takes away more that it gives. Changing lifestyles are making Indians increasingly fall prey to the non-communicable critical illnesses such as cancer, heart stroke, hypertension, diabetes etc. These critical illnesses are always associated with an increased cost of treatment along with a long and expensive recovery process. A basic health insurance policy may not be sufficient to cover all medical costs, especially in case of critical illness or accident which require a long term treatment. This financial burden needs to be supported by a special financial protection plan, Optima Vital is our unique critical illness insurance policy that protects you financially in the event of any of the listed critical illnesses occurring. WHY YOU NEED IT ELIGIBILITY
- Open chest CABG.
- Major organ/bone marrow transplant.
- Aorta graft surgery
- Open heart replacement or repair of heart valve.
- Pneumonectomy.
- Pulmonary artery graft surgery. (Insured Person must survive 90 days from the date of confirmed diagnosis of below defined events)
- Primary Parkinson’s disease.
- Alzheimer’s disease.
- Motor neuron disease with permanent symptoms.
- Stroke resulting in permanent symptoms. 25. Permanent paralysis of limbs.
- Primary (idiopathic) pulmonary hypertension.
- Benign brain tumor.
- Cardiomyopathy.
- End stage lung Failure.
- Brain surgery.
- Progressive supranuclear palsy.
- Creutzfeldt-jakob disease. (CJD)
- Major head trauma.
- Encephalitis. (Insured person must exhibit permanent impairment for 6 months from the occurrence of the event)
- Blindness.
- Deafness.
- loss of speech.
