It is observed that large number of people in India die in an event of critical illness, as they are not able to afford quality medical treatment expenses. Medical Science has progressed so much that there is cure for almost every disease. The latest technologies used have made medical treatment costly, but this treatment is not availed by a large group of people. As a result, these people are deprived of quality healthcare.
The best solution to this affordability problem is to avail Critical Illness Cover that offer Lumpsum payment, if an insured is medically declared suffering from a critical illness. The amount received from health insurance provider can be useful in availing medical treatment without engendering any serious concern. Thus, an insured would not find any financial difficulty to be treated from the hands of experts.
Every insurance company has its own rules and regulation for the coverage. Hence, it is advisable to read terms and conditions before buying any such plan. There are many such plans available in market, but this facility is also provided as an additional feature of many pure health insurance products. A person can buy such health insurance products and opt for Critical Illness cover in order to avail benefits of both health insurance and Critical Illness Cover.
One such product that has gained much name and fame is Easy Health brought by Apollo Munich, a standalone health insurance provider in India. There are two such plans—Easy Health—Individual offers coverage only to an insured and Easy Health—family to the complete family, which may include an insured, his/her spouse, his/her dependent children and his/her dependent parents. Each of these plans is available in three variants—Standard, Premium and Exclusive.
Premium and Exclusive variants offers this additional Critical Illness Cover for eight major diseases—Cancer, Heart Attack, Coronary Artery Surgery, Sclerosis, Major Organ Transplantation, Kidney failure, Paralysis and Stroke.
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