Diagnosis Happens. Money Arrives.
Fixed payout after covered illness diagnosis
₹20L
Sample payout
Any use
Bills / EMI / Recovery
What Is Critical Illness Insurance?
Why Buy Critical Illness Insurance from CoverTiger
We are not just another comparison site. CoverTiger is India's smartest insurance platform — powered by AI and driven by your family's unique needs.
AI-Powered Advisor
Get real-time, personalised recommendations from our intelligent advisor that understands your family's medical history and budget.
Instant Comparison
Compare 50+ plans from India's top insurers side-by-side in under 2 minutes — premium, coverage, and claim records all visible.
Unbiased Recommendations
Our algorithm ranks plans purely on merit — coverage value, claim settlement, and hospital network — not commission.
Expert Assistance
Dedicated insurance advisors available 7 days a week to guide you from selection to claim settlement.
Secure & Trusted
IRDAI-approved platform with enterprise-grade encryption protecting your personal and financial data.
Hassle-free Claims
Our claim assistance team holds your hand through the entire process — from intimation to final settlement.
Benefits of Critical Illness Insurance Policy
A comprehensive family health plan protects your savings and provides peace of mind when your loved ones need medical attention.
Lump Sum Benefit
Get fixed payout after diagnosis of covered illness.
Beyond Hospital Bills
Use money for treatment, travel, rehab or income gap.
Major Disease Protection
Commonly covers cancer, heart attack, stroke and kidney failure.
Income Replacement
Useful if work stops during recovery.
Tax Benefits
Eligible deductions under Section 80D.
Affordable Add-on Layer
Can complement regular mediclaim.
Eligibility Criteria For Buying Critical Illness Insurance
| Criteria | Details | Status |
|---|---|---|
| Adult Entry Age | 18 to 65 years commonly | Eligible |
| Child Entry | Available in select plans | Check Plan |
| Medical Check-up | May be required by age / sum insured | Check Plan |
Documents Required For Buying Critical Illness Insurance
Most plans can be purchased 100% online — minimal paperwork required.
Identity Proof
- →Aadhaar Card
- →PAN Card
- →Passport-size photo
Address Proof
- →Utility Bill
- →Bank Statement
Medical Records
- →Health history
- →Reports if asked
- →Existing policy details
Meet Your AI Insurance Advisor
for Your Family Health Insurance Advice
Unlike traditional insurance platforms that only display plan listings, CoverTiger provides an AI-driven assistant that guides users through the decision-making process — understanding your family's unique medical history, budget, and needs.
- 🎯
Personalised Recommendations
Analyses 100+ parameters to suggest the most suitable plan for your family.
- 📊
Smart Plan Comparison
Instantly compare coverage, premiums, and insurer ratings with AI insights.
- 🔔
Real-time Alerts
Get notified about renewals, premium changes, and better plan options.
Tiger AI Advisor
● Online — responds in seconds
What is Covered in a Critical Illness Insurance Plan?
Cancer of Specified Severity
Included in most plans subject to definitions.
CoveredHeart Attack
First myocardial infarction in many plans.
CoveredStroke
Permanent neurological deficit definitions apply.
CoveredKidney Failure
End stage renal failure in many plans.
CoveredMajor Organ Transplant
Covered in select insurers.
Plan-specificWhat is Not Covered in a Critical Illness Insurance Plan?
Waiting Period Claims
Usually 30 to 90 days from start date.
Excluded (waiting period)Non-listed Diseases
Only illnesses named in policy qualify.
ExcludedPre-existing Undisclosed Conditions
Non-disclosure can void claims.
ExcludedWar / Nuclear Risks
Standard exclusion.
ExcludedFactors You Should Consider Before Buying a Critical Illness Insurance
Covered Illness List
Check exact diseases and definitions.
Waiting Period
Shorter waiting periods improve usability.
Claim Trigger
Understand diagnosis proof and survival period.
Adequate Cover
Choose amount based on income and liabilities.
Standalone vs Rider
Compare dedicated plan vs add-on rider.
How to Buy Critical Illness Insurance Plans
Online from CoverTiger
The entire process takes less than 10 minutes. No paperwork. No branch visits. 100% online.
Enter Details
Age, city, cover amount
Compare Plans
Illness list & pricing
Choose Plan
Select right payout size
Complete KYC
Simple proposal flow
Get Covered
Instant policy copy
Critical Illness Insurance Blogs
Frequently Asked Questions
Everything you want to know about Critical Illness Insurance.
₹75,000
deduction available
Save Tax with Section 80D
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