The many benefits of critical illness policies Not being insured for accidents and critical illnesses can leave you and your family financially drained. It is best to be prepared for such instances. In today's market, there are many insurance companies offering many critical illness policies. However; it becomes very important that you choose the right policy that is not only affordable but also works best for your family. Below are the advantages of opting for a critical illness policy:

Critical insurance policies can save your family from any financial liabilities when hospitalized with any critical illnesses. They cover hospital bills, doctor's fees, ambulance charges etc.

Also by buying this policy, you can rebate from the income tax. This provision is provided under 80D of the income tax act.

These plans cover the donor expenses too in case of organ transplants. This is a feature that is absent in the usual health insurance policies.

Understand the range of the diseases covered Different Critical Illness Insurance covers different illnesses and it is of utmost important that you are well aware of the diseases being covered under the policy you have chosen. Most commonly covered diseases are kidney failure, heart attacks, cancer, stroke, coma, major burns, organ transplant, primary pulmonary arterial hypertension. The list of the illnesses covered for varies from one company to another. Always choose policies that cover the diseases that you feel you are most vulnerable to and are most likely to be diagnosed with. Also, check for any clauses that come with the insurance plan. A lot of policies have clauses where many medical conditions are excluded. Be sure to double check for any such clauses.

Key features to consider before buying any insurance policy:

Understand if the policy comes with any extra benefits like death insurance in case of the untimely death of the person insured.

Enquire if there is an option to increase the insured amount after a few years when there is an increase in the liabilities.

Check for the guaranteed or renewable premiums. In case of a few policies, the premium amount remains the same all through the term of the policy. However; in case of other policies, the premium amount keeps increasing as it gets renewed annually or after every 5 years. Be sure to check for these beforehand.

Choosing the right personal accident health insurance policy will help you a great deal in saving up on the insurance premiums. The best way to decide on what policy works best for you is to compare the different policy options that are available.

Address: GYS Global, Plot No. A3, A4, A5,

Sector - 125, Noida, U.P. – 201301

Website: www.religarehealthinsurance.com

Phone: 1860-500-4488

1800-200-4488 (Toll Free)

Email: customerfirst@religarehealthinsurance.com