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Life-threatening ailments always ask for extra attention whether you are covered under a comprehensive health plan. With a general health insurance policy, you get a limit on your doctor's fees and on the full cost of treatment. In most policies, there is a cap on other extra expenses like charges for intensive care unit, medicine expenses and prosthetics. What will you do in such cases? Of course, you will have to pay from your pocket. But, this is not the only thing that you can do in that situation. In order to get better solution, read the information given below:

Buying a Critical Illness Cover

Partial or total disability, loss of monthly income and extreme change in lifestyle are some common outcomes of an acute illness. This makes an unnecessary financial burden on your family leaving them in a big problem. A critical illness plan is the best alternative to overcome these kinds of shortcomings.

While an indemnity plan provides you with the coverage for hospitalization, a critical plan is tailored to pay a lump sum amount to the policyholders for the treatment done during the diagnosis of serious illnesses mentioned in the policy. You can use this amount for varied purposes like paying for recuperation aids, costly healing procedures, or pay off debts.

Do You Really Need A Critical Illness Cover?

Problems can come to you anytime, so it is always wise to follow the term "Prevention is better than cure." Nothing could be better than considering a critical illness policy since it will provide you with a lump sum, which can be used to clear all your bills apart from other expenses during the treatment of critical ailments.

What Does This Policy Cover?

This insurance policy is designed to provide you with the financial support when you are undergoing varied treatment procedures of a particular medical injury or condition listed in the plan. There are a few health conditions which are not covered under the policy. Some of the common critical health problems which are covered under this plan are:

• Stroke
• Heart Attack
• Several stages and types of cancer disease
• Health conditions like multiple sclerosis

There are many policies which offer you cover if you are permanently disabled due to any illness or injury. This cover is typically responsible for paying out once to the policyholder and then the plan ends.

What You Need to Look At Before Choosing A Plan For A Critical Condition?

Remember the point is that the primary objective of purchasing a critical illness insurance policy is to get the cover for expensive treatments. Good news is that it is comparatively cheaper than a number of other indemnity policies. Moreover, a combination of comprehensive critical insurance policy and illness cover will always be a good choice if you are seeking a good balance between pricing and coverage.

However, it is quite possible to find different premiums for this cover. You can use insurance comparison websites to compare quotes from different leading insurers and buy a plan at competitive prices.

Deepak K. Sehrawat is an author who has extensive knowledge about insurance industry. He typically loves to write and inform people about different aspects of health insurance in India. The author has also vast experience of writing on critical illness insurance for the sake of online readers.

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