A life‑threatening diagnosis drains savings faster than morale. Critical illness plans pay a lump‑sum on detection of major ailments—cancer, heart attack, kidney failure—so treatment decisions aren’t cost decisions.
Use the payout as you choose: surgeries, rehab, loan EMIs, or even a healing vacation. It’s financial oxygen during turbulent health storms.
“When health pauses, funds shouldn’t.”
Separate from hospitalization plans, critical cover cushions lifestyle and income while you focus on recovery.
Depends—often thirty‑plus.
Usually for higher sums.
Some plans allow reinstatement.
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