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These insurances pay a fixed benefit if you get any of the specified critical illnesses. The payment is not linked to actual costs incurred by you. Increasingly, these plans cover a large number of diseases some of which may not be covered under a regular mediclaim.
Critical illnesses can result in high incidental costs such as loss of wages, home nurses, and medical equipment. These costs are not covered under a regular mediclaim insurance. The benefit of a critical illness plan is that these costs are compensated for by the fixed benefit.
Medical inflation is reported to be increasing by over 20 per cent each year. A high sum assured critical illness plan provides an excellent way of safeguarding yourself against future increases.
When the claim is made, the lump sum amount is given to you for treatment, irrespective of what it is used for – specialist’s fees or medicines. This amount can also be used to pay off liability, support the dependents or any other financial purpose too.
Non-disclosure of important medical information may cause the Insurance Company to deny the claim. This can range from the client inadvertent omission of information, which the policy application did not expressly ask for, to a deliberate omission to save on premiums.
The insurance company will thoroughly check the veracity of your claim and if they find out that you have made a false claim, they will deny your claim. Also, they may “blacklist” you and this may affect any future applications to other insurance companies. You may also face charges due to your fraudulent claim.
Insurance companies will process the claims mostly based on the documents provided, although they may also opt to have independent tests done by their appointed physician to look into the diagnosis of the critical illness. If the Person insured fails to provide these documents, his claim will be denied.
Duly filled and signed claim form, Photocopy of ID card, a medical certificate confirming the diagnosis of critical illness from a doctor not less qualified than MD/MS, Investigation reports/ other related documents reflecting the critical illness diagnosis, original detailed discharge summary / day care summary from the hospital.
Some add on to cover include: Child education benefit, liability benefit, accidental death and partial or total disability due to accidents.
Any pre-existing conditions/ diseases/ injuries at the inception of the policy cover, Treatment received overseas, Medical treatment required following any criminal act of the insured.
We have specialized marine underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This ensures that your goods don’t sit idle at any stage.
We manage all aspects of your claim - from survey appointment to documentation to insurer follow-up.
We will advice you on risk management best practices.
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