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Opt for critical illness plan with lower survival period clause: Experts

CI plans generally offer global coverage. "Even if the insured is diagnosed with a CI outside India, this plan will make a pay-out," says Vivek Gambhir, a product head at Tata AIG General Insurance

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The cost of treating a CI is very high — much higher than the sum insured most people would have in their basic hospitalisation (indemnity) policy.

Sanjay Kumar Singh
Critical illness (CI) plans are in the spotlight with TATA AIG General Insurance launching a plan called Criti-Medicare, which covers 100 CIs. 

The cost of treating a CI is very high — much higher than the sum insured most people would have in their basic hospitalisation (indemnity) policy. A large number of ancillary expenses also arise during the treatment period, which this policy can help pay for.

Lump-sum pay-out on diagnosis
The insured does not require a hospital bill to receive the payout. “Once the investigation reports support the diagnosis, the pay-out happens,” says S Prakash, managing director, Star Health and

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First Published: May 21 2022 | 6:10 AM IST

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