Buy Critical illness Term Insurance Online

Going through a critical illness can be daunting, both emotionally and financially.
That’s where a critical illness insurance policy comes in handy! Aapka Policywala  – a trusted online insurance company in India
provides term insurance plans that offer critical disease coverage and peace of
mind. This policy will ensure you have the support you need when you need it
most. Secure your health and financial status by opting for the safety net of
critical illness insurance today!

Buy critical illness insurance

Understanding Critical Illness Insurance

Critical illness insurance is a specialized form of coverage designed to provide
financial assistance in the event of a serious medical diagnosis. It offers a lump-sum payment upon the diagnosis of a covered condition. This payment can be
used to cover various expenses such as medical bills, ongoing treatment costs, or
even everyday expenses like mortgage payments or childcare.

With the best critical illness insurance plan, policyholders get additional support
to navigate the financial challenges that often accompany serious illnesses like
cancer. This allows them to focus on their recovery without worrying about
financial strain.

Why Buy a Critical Insurance Policy?

Health remains an invaluable thread, weaving through our aspirations and endeavors. Yet, amidst the unpredictability of existence, the spectre of critical illnesses looms large, threatening to unravel the fabric of our well-being and financial stability.*Enters critical illness insurance*

A beacon of hope, it offers not just protection but a lifeline during times of health crisis. Here are reasons to purchase this type of policy:

Comprehensive Coverage: Critical illness insurance policy offers a broad range of coverage. This includes major illnesses like cancer, heart attack, and stroke. It makes sure that you’re protected against life’s unexpected curveballs.

Lump Sum Payout: Upon diagnosis of a covered condition, critical illness insurance provides a lump-sum payment. It gives you immediate financial support to cover medical expenses, household bills, or any other needs that arise.

Flexibility in Use:Whether it’s medical treatment costs, rehabilitation expenses, or simply maintaining your lifestyle during recovery, the payout from critical illness insurance bought at Aapka Policywala can be used as you see fit. It will provide you with the flexibility you need during a challenging time.

No Restriction on Providers:Unlike some health insurance plans that limit you to specific providers or networks, critical illness insurance policy allows you the freedom to select your preferred healthcare professionals and facilities, ensuring you receive the best possible care.

Renewable Policies: With renewable policies, you have the option to extend your coverage beyond the initial term. Put simply, you will get long-term protection and peace of mind for you and your loved ones.

Tax Benefits:  Depending on your country’s tax laws, critical illness insurance premiums and payouts may offer tax benefits. They will help you save money while securing your financial future.

Added Security: Beyond financial assistance, critical illness insurance provides emotional security. Meaning, you will be aware that you have a safety net in place to support you and your family during times of medical emergency.

Why Us for Buying Critical Illness Insurance?

Embarking on the journey of selecting critical illness insurance can be daunting. But with Aapka Policywala, the path becomes clearer and benefits are more prominent! Here are some compelling reasons why buying critical illness insurance on our platform is a good decision:

 Diverse Selection: Aapka Policywala curates a comprehensive array of critical illness insurance plans from top-rated medical insurance companies. With a diverse selection at your fingertips, you can compare and choose the policy that best aligns with your needs and budget.

Expert Guidance:Navigating the intricacies of critical illness insurance can be overwhelming. But fear not! Aapka Policywala’s team of experienced POSP agents is here to assist you every step of the way. From understanding policy terms to clarifying coverage details, count on expert guidance to make informed decisions.

Transparent Comparison: Transparency is paramount at Aapka Policywala. Our platform empowers you with the tools to compare critical illness
insurance plans side by side. Meaning, you will have full idea about cheapest premiums, coverage limits, and additional benefits. Make confident choices backed by clear insights!

Customized Solutions: We understand that every individual’s critical disease insurance needs are unique. That’s why Aapka Policywala offers personalized solutions tailored to your specific requirements. Whether you’re seeking extensive medical coverage for a family or cheapest individual protection, find the perfect fit on Aapka Policywala.

Seamless Experience: At Aapka Policywala, convenience is key. Our user-friendly platform streamlines the entire insurance buying process. Enjoy a seamless experience from start to finish. That too backed by cutting-edge technology and unwavering support.

We are trusted across India for family health insurance and individual health insurance as well. Check them out as well!


Tips for Choosing a Critical Illness Plan

In the labyrinth of critical illness insurance options, finding the perfect fit requires a strategic approach tailored to your unique circumstances. Here’s a roadmap for selecting the most suitable plan:
  1. Coverage Spectrum:
      Survey the landscape of covered critical illnesses within each plan. Make sure that the spectrum aligns with your individual health risks and familial medical history. A thorough examination here lays the groundwork for comprehensive protection.
  2. Sum Insured Selection:
      Set sail with an ample sum insured that accounts for not only medical expenses but also living costs and potential income disruptions during the recovery phase. The right sum ensures smooth sailing even amidst the storm of illness.
  3. Patience Pays:
      Delve into the depths of waiting periods associated with different critical illnesses. Try to understand these timeframes. Because by doing so, you will be equipped with the foresight needed to assess the policy’s efficacy in scenarios of early diagnosis. Remember, patience is indeed a virtue!
  4. Exclusions Unveiled:
      Illuminate the shadows of critical health policy exclusions to preempt any surprises when the time comes to file a claim. Familiarizing yourself with what’s not covered is just as crucial as knowing what is.
  5. Premium Parity::
      Plot a course through the seas of premium costs. Compare the offerings of various plans while evaluating their value proposition in terms of coverage and benefits. We have partnered with companies that have the cheapest insurance premiums for critical illness plans!

Health Insurance vs. Critical Illness Insurance

While both health insurance and critical illness insurance serve as pillars of financial protection against medical expenses, they diverge significantly in coverage, payout mechanisms, and overarching purposes. Here’s what sets these two vital forms of insurance apart:

Coverage: The comprehensive shield of health insurance encompasses an extensive array of medical expenses, spanning hospitalization costs, doctor consultations, diagnostic procedures, surgeries, and treatments for diverse illnesses and injuries.

Critical illness insurance, on the other hand, hones in on specific critical illnesses delineated within the policy. These typically encompass grave conditions like cancer, heart attacks, strokes, kidney failure, and major organ transplants, offering a lump sum payout upon diagnosis.

Purpose:The primary aim of health insurance is to furnish financial security against the hefty burden of medical treatments and hospital stays. It ensures individuals can
access quality healthcare without grappling with exorbitant expenses.

About critical illness insurance, well, it is a tailor-made policy that extends a financial safety net, especially when the harrowing diagnosis of a critical illness strikes. The lump sum payout empowers policyholders to manage medical costs, explore alternative therapies, and sustain their livelihoods during the recovery phase.

Claim Payout:  Claim reimbursements in health insurance are contingent upon the actual medical expenses incurred by the insured. The insurer reimburses these costs, subject to policy limits and exclusions. In stark contrast, critical illness insurance offers a lump sum payout upon the diagnosis of a covered critical illness, irrespective of
the incurred medical expenses. This lump sum serves as a lifeline, affording immediate financial relief to navigate the challenges ahead.

Policy Term: Typically, health insurance policies operate on an annual basis, necessitating renewal each year to sustain coverage. Critical illness insurance may be procured as standalone policies or appended as riders to a health insurance plan. They may feature specific terms or remain effective until the diagnosis of a critical illness.

Scope of Coverage: With its expansive scope, health insurance blankets a broad spectrum of medical conditions, accidents, and injuries, furnishing holistic protection against myriad healthcare needs. Conversely, critical illness insurance zooms in on a targeted list of critical illnesses. Meaning, this type of policy furnishes specialized financial assistance tailored to these severe health afflictions.

Other than critical illness insurance, Aapka Policywala is also offers mosquito bite insurance and cancer health insurance at very affordable prices.


Purchasing Critical Illness Insurance Online

When it comes to securing critical illness insurance policy online, Aapka Policywala stands as your trusted ally. We offer a seamless pathway to finding the perfect policy amidst a plethora of options.

Here’s a step-by-step guide to acquiring critical illness insurance through our

Exploration Phase:Begin your journey by visiting the Aapka Policywala’s website. Explore the diverse array of critical illness insurance plans listed from reputable third-party insurers. Looking for the cheapest critical illness plans? We have got them!

Comparison Tools: Utilize our intuitive comparison tools to juxtapose the features, coverage, and premiums of various plans side by side. Filter options based on your specific requirements such as coverage amount, waiting period, or premium affordabilit

Informed DecisionMaking: Armed with comprehensive insights, make an informed decision that aligns with your unique needs and preferences. Leverage expert advice from our team of insurance advisors to clarify any queries or uncertainties.

Seamless Purchase Process: Once you’ve identified the ideal critical illness insurance plan, initiate the purchase process effortlessly through our platform. Complete the necessary documentation and payment steps securely and conveniently online

Policy Issuance and Confirmation: Upon successful completion of the purchase process, receive instant confirmation of your policy issuance. Access your policy documents and details through our user-friendly interface for future reference.

PostPurchase Support: Rest assured knowing that Aapka Policywala is committed to providing ongoing support throughout your critical illness insurance policy journey. Stay informed about policy updates, renewal reminders, and other relevant information to ensure continuous coverage

How to Claim Critical Illness Insurance?

When facing the challenging diagnosis of a critical illness, understanding the claim process can provide much-needed clarity and assurance. Here’s how the claim process will unfold for critical illness insurance online at Aapka Policywala:

Critical Illness Diagnosis: Upon receiving a diagnosis of a critical illness covered by your policy, promptly notify Aapka Policywala as well as the insurance company. Gather medical reports and relevant documents to substantiate your claim.

Intimation to the Insurer: Reach out to our customer service or claims department to notify about the critical illness diagnosis. Follow the insurer’s guidelines for communication, whether via phone, email, or their designated online portal.

Claim Documentation:  Our POSPs will furnish a checklist of required documents for claim processing. Complete the claim form and gather essential documents such as medical reports, attending doctor’s statement, and hospitalization records.

Claim Submission: Submit the completed claim form along with all necessary documents to us, and insurance company. Remember, accuracy and completeness are important here to expedite the claim processing timeline.

Claim Verification: We will meticulously review the submitted documents and may conduct additional verification such as contacting medical professionals or hospitals involved in your treatment. 

Claim Settlement:Upon approval and verification, the insurer (from whom you bought critical insurance policy using our platform) will proceed with claim settlement. The payout will be disbursed to the policyholder or nominee in accordance with the policy terms and conditions.

Rejection or Query: In the event of discrepancies or missing information, the insurance company may raise queries or request additional documentation. Claims found ineligible as per policy terms may be rejected, with reasons communicated to the policyholder.

Discharge Voucher (Optional): Some insurers may provide a discharge voucher, facilitating cashless treatment at network hospitals. In fact, the insurance company will settle bills directly with the hospital. This will ease financial burdens during treatment.

Documents for Critical Illness Insurance Claims

Gathering the following documents will guarantee a smooth and efficient claims process. Put simply, these will facilitate timely assistance and support during critical illness episodes.
  1. Claim Form: Ensure the claim form provided by the insurance company is completed accurately and signed.
  2. Diagnosis Report: Obtain medical reports confirming the critical illness diagnosis from a qualified medical practitioner or specialist.
  3. Medical Records: Compile relevant medical records including hospitalization reports and treatment details pertaining to the critical illness.
  4. Attending Doctor’s Statement: Request a statement from the treating doctor outlining the critical illness, its severity, and the treatment administered.
  5. Test Reports: Include results from medical tests, scans, or imaging studies that support the diagnosis of the critical illness.
  6. Discharge Summary: If hospitalised, provide a discharge summary from the hospital detailing the duration of hospital stay and treatments received.
  7. Policy Document: Furnish a copy of the critical illness insurance policy document to verify coverage details and policy terms.
  8. Identity Proof: Submit a copy of the insured individual’s identity proof such as Aadhar card, passport, or driver’s license.
  9. Address Proof: Include a copy of the insured’s address proof such as utility bills to validate residency.
  10. Bank Account Details: Provide accurate bank account information where the claim amount is to be credited for seamless transaction processing.

What Customers Say About Us?

““Amazing service! Aapka Policywala ne mujhe meri critical illness insurance ke liye perfect plan recommend kiya. Customer service bhi bahut helpful thi aur mujhe sahi guidance di. Highly recommended!”

Rohan Sharma

“Very helpful platform! Aapka Policywala helped me not just with health insurance but also critical illness insurance! Sure the process was long (which was obvious) but experience was superb. 5/5 to Aapka Policywala”

Priya Patel

“Decent platform for insurance options. Found a suitable critical illness plan through Aapka Policywala. Overall, satisfied with the service. Mai apne dostoon ko bhi recommend karuga”

Rajesh Kumar

“Aapka Policywala made the process of purchasing critical illness insurance smooth and hassle-free. The platform provided a wide range of options to choose from. Customer support team was prompt and informative in addressing my queries. Thank you so much, guys! ”

Ankita Tiwari

Get in Touch with Us

Connect with us today to explore the best critical illness insurance solutions tailored to your needs and budget. Our team is here to assist you every step of the way!