This particular insurance cover is only for serious illnesses . In addition , regardless of the general health insurers / can be purchased as a standalone cover .The before and after hospitalization , illness and provide health benefits by the insurance company includes expenses incurred during organ transplantation .
This benefit is also available at the base . Critical Focus on what Ilnas cover before buying
Many diseases are covered :
Select an insurance company to cover more diseases . According to the insurance regulator IRDA guidelines must be at least 12 serious illnesses should be covered .Benefit Policy :
Choose an insurance company that offers cashless reimbursement or benefits of policy options . Remember that after being diagnosed with a critical illness lump sum compensation is to provide a period of 30 days .
Floater policy :Make sure you have selected the floater policy . This policy is for the entire family . The insured person , wife and two children is critical illness cover .
Get an early start :
Beginning at a young age because the premium is low .
Coverage of pre- existing diseases :
Some insurance companies cover pre-existing diseases . While taking note of this policy so that this feature or not your policy .Substantial sum assured :
Take the sum assured enough to cover major illnesses . At least five lakh rupees in any critical illness insurance coverage will be sufficient .
