Health
Protect your family and yourself from unforeseen medical costs and the financial impact it brings.
Hospitalisation
Ease your financial burden with Hospital Income Plan, and medical coverage plans for you and your family.
Critical Illness
Focus on your recovery with the Critical Illness Plan.
FAQs about Medical and Critical Illness Insurance
Medical insurance plan is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It can reimburse the insured for expenses incurred due to illness or injury, or pay the healthcare provider directly.
Critical illness insurance provides a lump-sum benefit if the insured is diagnosed with one of the specific illnesses listed in the policy, such as cancer, heart attack, or stroke. This is different from medical insurance, which typically covers a broader range of health-related expenses but doesn't provide a lump-sum payout.
Medical insurance often covers expenses for hospitalisations, surgeries, and post-hospitalisation treatments. Our medical insurance plans can also cover outpatient treatment, genomics tests for cancer and more.
Coverage for pre-existing conditions varies by policy and insurance provider. Some policies may exclude pre-existing conditions, while others may cover them after a waiting period. Some might not offer coverage at all if the risk is deemed too high.
Yes, you can have both. They serve different purposes: medical insurance covers a broad range of healthcare expenses, while critical illness insurance provides a specific benefit upon diagnosis of a critical illness. Having both would ensure a more comprehensive insurance coverage.
Consider factors like coverage needs, budget, policy exclusions, and any additional benefits. It's often helpful to consult with an insurance advisor to find the best fit for your situation.
