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The policy covers a predefined list of critical illnesses such as cancer, heart attack, stroke, kidney failure, major organ transplants, and more. 

Upon diagnosis of a covered critical illness, the policy provides a lump sum payout of the insured sum. This payout is not tied to actual medical expenses and can be used as needed. 

Unlike regular health insurance, critical illness insurance doesn’t mandate hospitalization to receive the benefit. Diagnosis is sufficient. 

Most policies require the insured to survive a specific period after the diagnosis (usually 30 days) to receive the payout 

The payout can provide temporary income replacement if the insured cannot work due to the illness.

Policies often come with lifetime renewability, allowing the insured to continue coverage even after a claim is made. 

Premiums paid for critical illness insurance are eligible for tax benefits under Section 80D of the Income Tax Act in India. 

Some policies allow coverage for the insured’s family members as well, with a common sum insured shared among all members. 

Some policies allow multiple claims for different critical illnesses, as long as they are covered under the policy 

In certain cases, policies offer partial payments for less severe conditions or early-stage diagnoses. 

The policy often covers the costs of invasive treatments like surgeries, chemotherapy, or radiation therapy 

Some policies include coverage for non-invasive treatments, medications, and supportive therapies. 

Younger individuals generally pay lower premiums as they are statistically less likely to develop critical illnesses.

A higher sum insured leads to a higher premium, as it increases the potential payout amoun

Policies covering a wider range of critical illnesses usually have higher premiums. 

Pre-existing health conditions can impact the premium, as individuals with higher health risks might pay more. 

Factors like smoking, alcohol consumption, and obesity can increase the premium due to higher health risks. 

Longer policy terms might lead to slightly lower premiums compared to shorter terms. 

A history of critical illnesses in the family can affect the premium.

Premiums might vary based on the individual’s location due to differences in healthcare costs. 

Women might have slightly lower premiums, as some critical illnesses are statistically more common in men. 

High-risk occupations can lead to higher premiums due to increased exposure to potential health hazards. 

Undergoing a medical examination as part of the application process can impact the premium based on the results. 

Additional riders or add-ons selected with the policy can affect the overall premium. 

If you’re diagnosed with a covered critical illness, inform the insurance company immediately

Contact the insurance company’s customer service or claims department to initiate the claim process 

Provide all necessary documents, including medical reports, diagnosis details, and policy documents. 

Fill out the claim form accurately and completely. Ensure all required fields are filled in. 

The insurance company might conduct its own medical evaluation to confirm the illness and its severity. 

There might be a waiting period before the claim is approved to ensure the illness is genuine and not pre-existing. 

Once approved, the insurer will notify you and settle the claim amount as per the policy terms. 

The policy pays out a lump sum amount upon diagnosis, which can be used to cover medical expenses or other financial needs. 

If the claim is denied, review the policy terms and discuss with the insurer. If necessary, escalate through the insurer’s grievance redressal process. 

Keep copies of all documents submitted for future reference. 

Follow the insurer’s instructions and provide any additional information they may require. 

Illnesses diagnosed before buying the policy are usually not covered 

Some policies have a waiting period before certain illnesses are covered. 

If you don’t provide accurate medical history during policy purchase, claims can be denied.

Injuries intentionally caused by the insured are excluded. 

Not all critical illnesses are covered; they must meet specific severity criteria. 

Illnesses or treatments obtained overseas might not be covered 

Some policies may have upper and lower age limits for coverage 

Certain illnesses like HIV/AIDS, cosmetic surgery, and pregnancy-related issues might be excluded. 

Illnesses arising from substance abuse may not be covered. 

Experimental or unproven treatments might not be covered. 

Illnesses resulting from war, terrorism, or related events may not be covered. 

Illnesses caused by nuclear contamination are typically excluded. 

Some mental health conditions might not be covered. 

   Duly filled and signed claim form by the insured or nominee. 

Medical records confirming the critical illness diagnosis from a qualified medical practitioner. 

If hospitalization was required, the discharge summary from the hospital. 

Proof of identity of the insured, such as Aadhar card, PAN card, passport, or driver’s license. 

A copy of the Critical Illness Insurance Policy document. 

Original bills and receipts of medical expenses incurred during treatment

A statement from the attending doctor confirming the critical illness diagnosis. 

Relevant medical test reports supporting the diagnosis. 

Proof of the age of the insured, such as birth certificate or school leaving certificate. 

Details of the insured’s bank account for claim payouts. 

If applicable, details of the nominee who will receive the claim amount. 

Any other documents as specified by the insurance provider 

Claims are the reason we get a car insurance in the first place! Therefore, ensure the claim process of your desired car insurance is smooth and doesn’t take too long. When you’re in trouble, the last thing you want is, to spend all your time and energy in just filing a claim! 

Claim Settlements are basically getting your compensations done right. Claims being such an important part of a car insurance, check for your desired insurer’s claim settlement ratio so that you’re assured that no matter what, your claims will be settle 

if you have taken the policy from onestepcloudsolutions.in, please use the following contact details to register your claim.