Top 3 Critical Illness Plans of Life Insurers on Coverage (2012)

1- ICICI Pru – Crisis Cover
(a) Diseases Covered – 35
(b) Who can buy – Any person aged between 18 years to 60 years
(c) Minimum Sum Insured –3 lakh
(d) Maximum Sum Insured –20 lakh
(e) Survival Period – N/A
(f) Waiting Period – No
(g) Policy Term – 50 Years
(h) Other Points –
i – Your cover under the policy continues even after claiming benefit on selected critical illnesses
ii – No health check-up required for policy issuance

2- HDFC Life – Critical Care
(a) Diseases Covered – 30
(b) Who can buy – Any person aged between 18 years to 55 years
(c) Minimum Sum Insured –2 lakh
(d) Maximum Sum Insured –20 lakh
(e) Survival Period – 30 Days
(f) Waiting Period – 180 Days
(g) Other Points –
i – Cover continues even after benefit payment on selected illness.
ii – Large Sum Assured discount – Contracts with Sum Assured greater than Rs. 10 Lakh will be entitled to a premium discount of 15%.

3- Bharti AXA – Life Triple Health
(a) Diseases Covered – 13
(b) Who can buy – Any person aged between 18 years to 50 years
(c) Minimum Sum Insured –2 lakh
(d) Maximum Sum Insured –10 lakh
(e) Survival Period – 30 Days
(f) Waiting Period – 90 Days
(g) Other Points –
i – Cover for up to three unrelated critical illnesses with premium waiver after the first claim
ii – Maturity Benefit and Death Benefits available with the return of Premium option

Other Plans
Aviva – Health Secure
(a) Diseases Covered – 12
(b) Who can buy – Any person aged between 18 years to 55 years
(c) Minimum Sum Insured –5 lakh
(d) Maximum Sum Insured –50 lakh
(e) Survival Period – 30 Days
(f) Waiting Period – 90 Days
(g) Policy Term – 30 Years
(h) Other Points –
i – Rebate – If you opt for a Sum Assured of 10 lacs and above.
ii – Available online.