| Login | Sign Up
mansoorim
Occasional Contributor
Posts: 6
Registered: ‎12-04-2016

critical illness

If one detects a disease covered under CI policy, but dies. Will insured get a claim.
8 REPLIES 8
shradhapande
Contributor
Posts: 46
Registered: ‎14-09-2016

Re: critical illness

As far as I know, if someone is covered under the Critical Illness policy and is diagnosed with such illness, the claim will only be paid if that person lives for over 30 days from the date he has been diagnosed with the illness. 

Frequent Contributor
Posts: 96
Registered: ‎01-08-2016

Re: critical illness

Most insurance companies have CI policies with Survival period of 15 / 30 / 90 days which means post diagnosis of CI, insured will have to survive for specified number of days.

Frequent Contributor
Posts: 90
Registered: ‎02-08-2016

Re: critical illness

If a critical illness is diagonised within a month of taking a crticial illness plan , is it covered ?

Jack
Contributor
Posts: 73
Registered: ‎26-07-2016

Re: critical illness

Usually the policy will have a lock in period of three months. However please check your policy for details.

shradhapande
Contributor
Posts: 46
Registered: ‎14-09-2016

Re: critical illness

Each insurnace company has separate rules for this. Policy exclusions will mention this

sama
Contributor
Posts: 53
Registered: ‎31-03-2016

Re: critical illness

I already have a mediclaim. Should I go in for a critical illness plan as well?

Frequent Contributor
Posts: 90
Registered: ‎02-08-2016

Re: critical illness

It is advisable to go in for a critical illness plan for those with adverse family history.

Highlighted
shradhapande
Contributor
Posts: 46
Registered: ‎14-09-2016

Re: critical illness

While mediclaim reimburses hospital bills , the critical illness plan pays the entire sum insured upon the diagnosis of a specified illness. So it is wise to buy it