Critical Illness Insurance

Life is unpredictable, and health challenges can strike when we least expect them. A serious illness like cancer, heart disease, or kidney failure can impact not just your health, but also your finances and peace of mind. Critical illness insurance is designed to protect you and your loved ones during such times.

At OneAssure, we help you understand your options, compare plans, and select coverage that gives you the right protection without the stress of complex terms.

Critical illness insurance is a health insurance policy that provides a lump sum payment if you are diagnosed with a serious illness listed in your policy. This payout can be used for medical treatment, daily expenses, recovery, or even paying off loans.

Unlike regular health insurance, which only covers hospitalization costs, critical illness insurance gives you financial support even if your treatment is partly or fully outside a hospital. This ensures you can focus on your recovery instead of worrying about bills.

Serious illnesses can have long-term effects on your life and finances. The cost of treatment for diseases like cancer, heart attack, stroke, or kidney failure can be overwhelming. Critical illness insurance ensures that a sudden diagnosis does not derail your financial stability.

Some key reasons to consider this coverage:

Choosing the right plan can feel confusing because every insurer offers different coverage, definitions, and benefits. OneAssure makes this simple.

The cost of critical illness insurance depends on:

1. Age of the insured
2. Medical history and pre-existing conditions
3. Sum insured selected
4. Plan type (individual or family floater)
5. Number of illnesses covered
6. Lifestyle and occupation
7. Optional riders

Even though premiums increase with age, starting early ensures affordable coverage and long-term protection.

1. Cancer Diagnosis: Covers treatment costs including chemotherapy, surgery, and medications.
2. Heart Attack: Provides funds to manage medical bills and recovery at home.
3. Kidney Failure: Supports dialysis and long-term care expenses.
4. Stroke Recovery: Ensures financial stability while you focus on rehabilitation.
5. Major Organ Transplant: Covers surgery, hospitalization, and post-operative care.

These examples show why this insurance is essential for financial protection and peace of mind.

1. Evaluate your personal and family health history
2. Select a sum insured that covers treatment and lifestyle costs
3. Check which illnesses are included and if early-stage illnesses are covered
4. Review exclusions carefully
5. Look for family floater or individual plans based on your needs
6. Compare premiums and benefits across insurers
7. Check claim settlement ratios and customer support availability
8. Consider riders or add-ons for enhanced protection

OneAssure makes all these steps simple and helps you choose confidently.