Check the illness list
Names, stages, and medical definitions decide whether a claim is payable.
Insurance
Critical Illness Insurance
Get a fixed benefit for listed serious illnesses, subject to policy terms and medical conditions.
Before you start
Critical Illness Insurance Guide
Check the basic rules and keep the required records ready before starting this service.
Important before you apply
Key points to consider for Critical Illness Insurance
Check these points carefully before choosing an option or starting your application.
Read waiting rules
Check initial waiting, survival period, exclusions, and pre-existing-condition rules.
Choose a useful amount
Consider treatment, income loss, loan EMI, and recovery expenses.
14 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Underwriting
- Entry/exit age depends on policy.
- Applicant must fall within the insurer's accepted health/age/occupation criteria.
- Full disclosure of:
- current medical conditions,
- previous diagnoses,
- surgeries/treatments,
- medication,
- family history where asked,
- tobacco/alcohol/lifestyle,
- occupation.
- Existing critical illness or symptoms before policy can affect acceptance/exclusion/decline.
- Insurer can require pre-policy medical examination.
- Waiting periods, survival periods and pre-existing-condition rules are policy-specific.
- A diagnosis is payable only if it meets the policy's exact definition.
23 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Purchase Documents
- Proposal form.
- PAN.
- identity proof.
- address proof.
- age proof.
- photo/live KYC.
- nominee.
- bank/payment details.
- health declaration.
- medical reports/history if applicable.
- pre-policy medical test reports if requested.
- income proof for high sum insured where insurer requires financial underwriting.
Claim Documents
- Claim form.
- medical certificate confirming diagnosis.
- investigation/pathology/radiology reports.
- hospital discharge summary.
- consultation notes.
- prescriptions.
- original bills/payment receipts for indemnity component where applicable.
- policy copy.
- KYC/bank details.
- death certificate/death summary/legal-heir papers if relevant to benefit.
- any specific test/report required by the policy definition.
Buy critical illness cover in three steps
Follow these three simple steps.
- 1Check the coverReview what critical illness insurance covers, does not cover, and when the cover starts.
- 2Share correct detailsEnter the requested personal, health, vehicle, home, or risk information correctly.
- 3Buy and keep the policyPay only after checking the policy terms and keep the issued policy safely.
More insurance services
Open another service to read its own eligibility and document guide.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.