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Critical Life Insurance
Why Critical Life Insurance?
Critical illness insurance is a living benefit insurance policy that pays out a tax-free lump sum if you develop a specified illness, experience a major health event, or undergo treatment while under its coverage.
Like life insurance, critical illness or CI insurance is also available in term or permanent options. Term critical illness insurance covers you for a fixed period or “term”. Permanent critical illness insurance covers you until death ( typically over a duration of 10 or 20 years)
The lump-sum payout is also called a living benefit because it does not depend on whether you have recovered or not. Instead, it is paid out while you are living, once you have been diagnosed with a specified illness or gone through certain health incidents (e.g. a heart attack, etc).But depending on the health condition and the insurance provider, you may have to survive for a certain amount of time (known as the survival period) before you are eligible for the payout.
Most critical illness insurance or riders cover up to 26 conditions
Cardiovascular
- Aortic Surgery
- Coronary Artery Bypass Surgery
- Heart Attack
- Heart Valve Replacement or Repair
- Stroke (Cerebrovascular accident)
Neurological
- Dementia, including Alzheimer’s Disease
- Heart Attack
- Multiple Sclerosis
- Parkinson’s Disease
- Atypical Parkinsonian Disorders
Accident and Functional Loss
- Acquired Brain Injury, Blindness
- Coma, Deafness
- Loss of Independent Existence
- Loss of Limbs
- Loss of Speech
- Paralysis, Severe Burns
Cancers and Tumors
- Benign Brain Tumor
- Cancer (Life-Threatening)
Vital Organs
- Kidney Failure
- Major Organ Failure on Waiting List
- Major Organ Transplant
Features and Benefits
- Source of income
- Covers additional medical expenses
- Greatly beneficial for any medical emergencies
- Covers expenses of illnesses that a traditional policy won’t
- Will keep on financially a float
- Source of income
- Covers additional medical expenses
- Greatly beneficial for any medical emergencies
- Covers expenses of illnesses that a traditional policy won’t
- Will keep on financially a float
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