What is critical illness insurance

Critical illness insurance is a kind of health insurance where a lump sum amount is provided upon diagnosis with some of the mentioned diseases. They include heart attack, cancer, stroke, kidney failure, major organ transplant, etc. Common health insurance pays for hospitalisation expenses, whereas critical illness insurance pays cash to cover the expenses of treatment, recovery, and lifestyle changes so that the policyholders are not concerned about money during recovery.

Cover in 2025: What's new

More critical illness policies have come on the market in 2025 to cover more forms of illnesses and provide greater flexibility. Some insurers now cover more illnesses such as early cancers, multiple sclerosis, and serious respiratory illnesses. Other insure

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