Critical Illness Cover Need
Calculate the right critical illness insurance cover. Accounts for treatment costs, income loss during recovery, and EMI obligations for cancer, heart attack, and stroke.
Critical Illness Cover Calculator
Treatment cost + income loss + EMIs during recovery — right CI cover
CI cover pays lump sum on diagnosis. Minimum recommended cover is Rs 20 lakh regardless of calculation result. Consult advisor for exact need.
Critical illness insurance pays a lump sum on diagnosis — not just hospitalisation. Cancer treatment in India costs Rs 5–20 lakh; a heart bypass is Rs 3–6 lakh; kidney dialysis runs Rs 3–5 lakh per year. The bigger financial risk is income loss during 6–18 months of treatment and recovery. A CI cover of Rs 20–25 lakh should cover treatment + 12 months of income replacement.
Critical Illness Insurance — Why Treatment Cost Is Only Half the Story
Critical illness insurance pays a lump sum on diagnosis of covered conditions like cancer, heart attack, stroke, or kidney failure. Unlike health insurance which reimburses hospitalisation bills, CI insurance addresses the full financial impact — including months of lost income, ongoing loan EMIs, post-hospital rehabilitation, dietary changes, and other costs that a regular health plan doesn't cover.