Critical illness policy is a benefit policy with a provision to pay a lump sum amount on diagnosis of certain named critical illness. As a standalone policy or As an add-on cover to a few health policies or As an add-on cover in some life insurance policies
standard condition seen in all critical illness policies is the waiting period of 90 days from inception of policy for any benefit to become payable under the policy and the survival clause of 30 days after diagnosis of the illness.
Pre hospitalization expenses would be relevant medical expenses incurred during period up to the defined number of days (generally 30 days) prior to hospitalization and will be considered as part of claim.
Post hospitalization expenses would be relevant medical expenses incurred during period up to the defined number of days (generally 60 days) after hospitalization and will be considered as part of claim.
A hospital daily cash policy provides a fixed sum to the insured person for each day of hospitalization.
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