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What truly matters to you
Protect Yourself and Your Loved Ones with Critical Illnesses Insurance.
Why Do I Need Critical Illness Cover?
Critical illness insurance offers a lump sum payment when diagnosed with a critical illness. This amount can cover various expenses, including medical and lifestyle-related costs like your child’s school fees, groceries etc . Acting as a safety net during your inability to work, the policy provides peace of mind, allowing you to focus on a full recovery without the burden of accumulating bills and expenses.
“Focus on Recovery, Not Finances”
Comprehensive Protection
Covering Serious Illnesses
Lump-Sum Payout
Guaranteed Assurance
With a guaranteed plan, you have the certainty of coverage, giving you and your family peace of mind for the future.
Years is the youngest age of a child critical illness claimant
Years is the youngest age of critical illness claimant
Years is the average age of a critical illness claimant
Years is the oldest age of a critical illness claimant
How to choose a Critical Illness Cover?
Incident Coverage
Illnesses Protected
Duration of Cover
Additional Benefits
Incident Coverage
In conclusion, while both plans offer valuable protection,
our Premium Critical Illness Insurance stands out for
its comprehensive coverage, guaranteed benefits,
and long-term security. It’s an investment in
your health and peace of mind, ensuring
you and your loved ones are well-
protected against life’s
uncertainties.
Standard vs. Premium Critical Illness Cover
| Sr. No | Standard Critical illness Insurance | Premium Critical Illness Insurance | |
|---|---|---|---|
| 1 | Multiple payouts and claims | Single incident covered | Multiple incidents covered |
| 2 | Illnesses covered | 36 | 139 |
| 3 | Duration | Non-Guaranteed (Subject to Sustainability) Max till 95 years | Guaranteed up to 100 Years of age |
| 4 | Angioplasty, Pacemaker or Defibrillator, Surgeries for Carotid Arteries & Carcinoma-in-situ | Not Covered | Up to $50,000 or 25% of Sum Assured without reduction in Original Sum Assured |
| 5 | Early-Stage CI (Multiple payouts) | Not Covered | 25% of Sum Assured + Pro rata Bonus (Multiple claims on Early CI conditions |
| 6 | Cash value | Projective @ 5% growth (Non-Guaranteed) | Guaranteed Cash Value |
| 7 | Cash value | Account Value | Guaranteed Sum Assured + Bonuses |
Why Choose Continental Group for Critical Illness Cover?
01
Strategic Partnerships
02
Regulatory Compliance
03
Decades of Trust
04
Global Reach with a Personal Touch
05
Industry Expertise
06
Personalized Service
We believe in customizing insurance solutions to fit your unique needs.
07
Innovative Solutions
Staying ahead of industry trends, we offer cutting-edge insurance products.
08
Unwavering Integrity
Customer Testimonials
FAQs
What is critical illness insurance?
What illnesses are typically covered?
In a standard critical illness cover there are approximately 36 illnesses covered but in the premium cover one can get a coverage of 139 critical illnesses. Common illnesses covered may include heart attack, stroke, certain types of cancer, organ transplant, kidney failure, and other severe conditions. The specific illnesses covered can vary by policy.
How does critical illness insurance differ from health insurance?
Critical illness insurance provides a lump sum benefit upon diagnosis of a covered condition, regardless of the actual medical expenses incurred. Health insurance, on the other hand, typically covers medical expenses and may not provide a lump sum payout.
What is the waiting period before a claim can be made?
There is usually a waiting period, known as the “survival period,” during which the policyholder must survive after the diagnosis of a critical illness before a claim can be made. This period varies between policies.
Can I purchase critical illness insurance for my children?
Yes, many insurers offer critical illness insurance for children as a rider or as a standalone policy. The coverage can help with medical expenses and other costs associated with a child’s critical illness. And if there is no claim it acts as a saving plan for your child’s future education.
How much coverage do I need?
The amount of coverage depends on various factors, including your lifestyle, financial obligations, and the potential costs associated with treating a critical illness. It’s advisable to assess your specific needs and consult with a financial expert.
