critical illness

[mansoorim]

If one detects a disease covered under CI policy, but dies. Will insured get a claim.

[shradhapande]

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. 

[kelvindsouza1]

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.

[rajeshsharma]

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

[Jack]

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

[shradhapande]

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

[sama]

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

[rajeshsharma]

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

[shradhapande]

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