|Chennai||Rs. 27580.00 (0.18%)|
|Mumbai||Rs. 28700.00 (0%)|
|Delhi||Rs. 27700.00 (0.73%)|
|Kolkata||Rs. 28270.00 (0%)|
|Kerala||Rs. 27050.00 (0.74%)|
|Bangalore||Rs. 27350.00 (1.11%)|
|Hyderabad||Rs. 27660.00 (1.21%)|
Siddharth buys a car and even before he leaves the showroom, he has his insurance papers in hand. Not only the mandatory basic car insurance, Siddharth has also invested in additional policies and riders to make sure that every inch of his precious possession is insured. He wants his car to be protected from unforeseen mishaps.
However, does Siddharth think of protecting himself in such a way? If yes, then why doesn't he have a critical illness plan yet? Like Siddharth, many of us just buy a basic life insurance cover and think it to be sufficient. But did you know, that just like your car can get hit suddenly without any prior notice, your body can also face a similar 'attack' from a number of critical illnesses like stroke and heart attack? As a result, it becomes extremely important to get a critical illness plan that wholesomely protects you from a host of critical illnesses, just like a motor insurance protects a vehicle against unforeseen happenings.
Diseases covered by a critical illness plan
While the number of diseases sometimes varies from company to company, some diseases find a permanent place in most plans across insurers. They are:
Exclusions in a critical illness planThere are some exclusions in a critical illness plan that you should be aware of. You will not be eligible for a reimbursement:
Need for the additional planMany people may ask why they require a critical illness plan if they already have a health insurance plan. The answer is quite simple. The critical illnesses mentioned above are very expensive to treat and more often than not, a regular policy fails to cover the costs. And since we live in a world so exposed to health threats, it makes a lot of sense to stay protected against these very commonly occurring critical illnesses.
So get yourself a critical illness plan if you haven't already. Insurance experts quite rightly call it a necessity in today's day and age where stress, pollution and competition lead to multiple health problems frequently.
The author is the CEO of MyInsuranceClub.com, an online insurance price & features comparison portal
For more articles by Deepak Yohannan, please visit MyInsuranceClub.com
You may write to the author at Deepak@myinsuranceclub.com