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Calculated Shard: 186 (from laksa054)

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curl -X POST \
  'http://laksa186.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html","crawl_time":1774802068,"first_indexed_time":1631496776,"http_code":200,"src_unparsed":"com,tataaia!www,\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html s443","src_root_hash":"531795673671650986","history_drop_reason":null,"meta_title":"7 Common Myths About Critical Illness Insurance Debunked","meta_descriptions":["A Critical Illness policy covers all kinds of acute illnesses. Some myths surrounding critical illness are 1. It covers all the diseases 2. One is eligible for the claim as soon as diagnosed with an illness 3. No need for critical insurance while having health cover & more. Check out the facts now!"],"attrs_boilerpipe_text":"Critical illnesses which are life-threatening and require extensive and advanced medical treatments. Since such treatments can be pretty expensive, signing up for\ncritical illness insurance\ncoverage is advisable.\nWhy Get Critical Illness Insurance?\nA\ncritical illness insurance\npolicy is a fixed benefit health insurance plan. It covers a list of specific critical illnesses and treatments. So, if you are diagnosed with any  covered illnesses, the sum insured is paid as a lump sum.\nCritical illness insurance\nplans have become an essential requirement in today’s age. In the insurance policy, critical illness means illnesses and treatments which require advanced medical attention and are expensive to treat. Such acute illnesses cause considerable physiological and financial trauma.\nAccording to reports\n, treating them is quite expensive. For example, lung diseases can cost as much as ₹20 Lakh, liver ailments ₹18 Lakh, and cancer treatments can go up to ₹10 Lakh.\nA critical illness insurance policy becomes necessary to protect yourself against the financial implications of such illnesses. The policy covers all kinds of acute illnesses, such as terminal diseases like cancer, and pays a lump sum benefit if you or your loved ones are diagnosed with one. This lump sum benefit can help you avail the best treatment possible or take care of other financial liabilities.\nThe\ncritical illness insurance\ncover, however, has some technical aspects to it. Unfortunately, many individuals don’t understand the technicalities of the coverage. This has, thus, caused some common myths about it to abound. So, let’s bust these common myths and see the real picture behind a\ncritical illness insurance\ncover.\nCommon Myths About Critical Illness Insurance Policy\nMyth #1: A critical illness insurance policy covers all types of illnesses.\nMany people believe that if they purchase a critical\n illness insurance policy\n, they are covered against all possible illnesses that they might face.\nFact: A critical illness insurance Plan covers specific illnesses only.\nA\ncritical illness insurance policy\ncovers specific illnesses. The illnesses covered under the plan's scop are listed in the plan benefits. If you are diagnosed with any of the covered illnesses, then only can you claim the same. If, on the other hand, you suffer from a disease not covered under the scope of the policy, you’ll not be eligible for the claim.\nMyth # 2: If I am diagnosed with an illness mentioned in the coverage, I would surely be eligible for the claim.\nIf you think that based on the diagnosis of a covered illness, you are automatically eligible for the claim, think again. Do you know what is considered a critical illness for insurance?\nFact: Claim payment under critical illness plans is subject to certain terms and conditions.\nThere are some terms and conditions attached with claim payments under\ncritical illness insurance\nplans. They cover illnesses of a particular nature and severity.\nFor example, critical illness insurance plans usually cover the first heart attack. So, if you have a heart attack after purchasing insurance coverage, but it is not your first incident, no claim will be reimbursed. Similarly, cancer of a specified severity is covered under the plan. So, unless your illness matches the plan’s definition of the same, you would not get a claim.\nMyth # 3: I get a claim immediately on diagnosis of critical illness insurance.\nFact\n:\nYou are eligible for claim payment only after a stipulated period.\nThere is a specific survival period under\ncritical illness insurance\nplans. This period usually ranges from 30 days to 90 days. The claim is then paid after the diagnosis is over.\nMyth # 4: Critical illness cover is available only on a standalone basis.\nFact: There are both standalone plans as well as riders\n#\navailable for critical illness coverage.\nWhile it is true that standalone plans are available, you can also avail coverage through a\ncritical illness rider\n. Many life and health insurance policies offer critical illness riders that can be added to the policy at a low premium.\nTata AIA Life Insurance\nalso offers various\nlife insurance plans with critical illness\nriders. So, to avail of critical illness coverage, you don’t need to opt for a standalone plan. You can go for the rider option too.\nMyth # 5: I have health insurance. I don’t need critical illness insurance.\nFact: A critical illness plan can supplement your existing health insurance policy.\nHealth insurance plans do cover the treatments associated with critical illnesses. However, as the treatments are expensive, your policy might not provide optimal coverage. Moreover, there are other financial implications of a critical illness too.\nFor instance, you might need home nursing, and-international treatments, or you might lose your job and need to provide for your family’s needs. These costs might not be covered under health insurance plans. A\ncritical illness insurance\ncover provides you with a lump sum benefit that you can use at your discretion. It, therefore, supplements your health insurance coverage and is recommended.\nMyth # 6: Critical illness plans are expensive. I cannot afford the premium.\nFact: Premiums of critical illness plans are affordable.\nCritical illness coverage is not expensive. Standalone critical illness insurance plans have affordable premiums. Moreover, if you opt for the critical illness rider, the premium is marginal against the coverage. So, debunk the myth that the coverage is expensive. It is not.\nMyth # 7: I have pre-existing conditions. I am not eligible for critical illness insurance coverage.\nFact: Pre-existing illnesses increase your health risks. However, this does not mean that you cannot buy critical illness insurance.\nIn case of pre-existing conditions, the insurance company might require you to undergo a pre-entrance health check-up before the policy is issued. Moreover, you might have to pay a higher premium due to the increased health risks. But, your pre-existing conditions would not make you ineligible for the coverage. You can\nbuy critical illness insurance\nplans even with pre-existing diseases.\nHow Many of These Myths Did You Believe?\nNow that you know all the facts, it is time to understand the nuances of the cover and invest in the\nbest critical illness insurance plan\n. It would prove to be a saviour in medical contingencies as you’d be able to get the much-needed financial assistance to face the illness head-on.\nIt’s time to shed your preconceived notions and understand the basics of\ncritical illness insurance in India\n. Then, invest in a suitable critical illness insurance policy or a rider and protect your finances from being drained on expensive treatments.\nWhat’s more, you can also get a tax\n*\nbenefit in the process. The premium paid for the critical illness cover is allowed as a deduction from your taxable income under Section 80D of the Income Tax Act, 1961.\nA critical illness policy is the need of the hour, given the rising cases of illnesses. It is worth investing in critical illness coverage, either on a standalone basis or as a rider.\nL&C\/Advt\/2021\/Jun\/0909","attrs_markdown":"- [Home](https:\/\/www.tataaia.com\/) [Blogs](https:\/\/www.tataaia.com\/blogs.html) [Life Insurance Blogs \\| TATA AIA](https:\/\/www.tataaia.com\/blogs\/life-insurance.html) 7 Common Myths About Critical Illness Insurance Debunked\n\nNeed assistance in choosing the right insurance plan? Get a call from our Expert.\n\nNeed assistance in choosing the right insurance plan?Get a call from our Expert.\n\n![]()\n\n![]()\n\n## Success\n# **7 Myths & Facts about Critical Illness Insurance You Must Know**\nJune 16 - 9 min. read\n\n![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/Share-icon.png)  Share this article\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/share-outline.png)](https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html)\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/WhatsApp-icon.png)](https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html)\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/emailshare.png)](https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html)\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/facebook-share.png)](https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html)\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/twittershare.png)](https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html)\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/linkedin-share.png)](https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html)\n\n![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/blogs\/health-and-lifestyle\/7-myths-facts-about-critical-illness-insurance-you-must-know\/shutterstock_1724590516.jpg)\n\n![](https:\/\/www.tataaia.com\/content\/dam\/tataaia\/views.svg)\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/whatsup-btn.png) Share on WhatsApp](https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html)\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/gmail.png) Share via Mail](https:\/\/www.tataaia.com\/blogs\/life-insurance\/myths-and-facts-about-critical-illness-insurance.html)\n\nCritical illnesses which are life-threatening and require extensive and advanced medical treatments. Since such treatments can be pretty expensive, signing up for **critical illness insurance** coverage is advisable.\n\n###### **Why Get Critical Illness Insurance?**\nA **critical illness insurance** policy is a fixed benefit health insurance plan. It covers a list of specific critical illnesses and treatments. So, if you are diagnosed with any covered illnesses, the sum insured is paid as a lump sum.\n\n**Critical illness insurance** plans have become an essential requirement in today’s age. In the insurance policy, critical illness means illnesses and treatments which require advanced medical attention and are expensive to treat. Such acute illnesses cause considerable physiological and financial trauma. [According to reports](https:\/\/economictimes.indiatimes.com\/wealth\/insure\/decoding-the-threat-of-critical-illnesses-in-india\/articleshow\/53153416.cms), treating them is quite expensive. For example, lung diseases can cost as much as ₹20 Lakh, liver ailments ₹18 Lakh, and cancer treatments can go up to ₹10 Lakh.\n\nA critical illness insurance policy becomes necessary to protect yourself against the financial implications of such illnesses. The policy covers all kinds of acute illnesses, such as terminal diseases like cancer, and pays a lump sum benefit if you or your loved ones are diagnosed with one. This lump sum benefit can help you avail the best treatment possible or take care of other financial liabilities.\n\nThe **critical illness insurance** cover, however, has some technical aspects to it. Unfortunately, many individuals don’t understand the technicalities of the coverage. This has, thus, caused some common myths about it to abound. So, let’s bust these common myths and see the real picture behind a **critical illness insurance** cover.\n\n###### **Common Myths About Critical Illness Insurance Policy**\n**Myth \\#1: A critical illness insurance policy covers all types of illnesses.**\n\nMany people believe that if they purchase a critical **illness insurance policy**, they are covered against all possible illnesses that they might face.\n\n###### **Fact: A critical illness insurance Plan covers specific illnesses only.**\nA **critical illness insurance policy** covers specific illnesses. The illnesses covered under the plan's scop are listed in the plan benefits. If you are diagnosed with any of the covered illnesses, then only can you claim the same. If, on the other hand, you suffer from a disease not covered under the scope of the policy, you’ll not be eligible for the claim.\n\n**Myth \\# 2: If I am diagnosed with an illness mentioned in the coverage, I would surely be eligible for the claim.**\n\nIf you think that based on the diagnosis of a covered illness, you are automatically eligible for the claim, think again. Do you know what is considered a critical illness for insurance?\n\n###### **Fact: Claim payment under critical illness plans is subject to certain terms and conditions.**\nThere are some terms and conditions attached with claim payments under **critical illness insurance** plans. They cover illnesses of a particular nature and severity.\n\nFor example, critical illness insurance plans usually cover the first heart attack. So, if you have a heart attack after purchasing insurance coverage, but it is not your first incident, no claim will be reimbursed. Similarly, cancer of a specified severity is covered under the plan. So, unless your illness matches the plan’s definition of the same, you would not get a claim.\n\n**Myth \\# 3: I get a claim immediately on diagnosis of critical illness insurance.**\n\n###### **Fact**: **You are eligible for claim payment only after a stipulated period.**\nThere is a specific survival period under **critical illness insurance** plans. This period usually ranges from 30 days to 90 days. The claim is then paid after the diagnosis is over.\n\n**Myth \\# 4: Critical illness cover is available only on a standalone basis.**\n\n###### **Fact: There are both standalone plans as well as riders****\\#** **available for critical illness coverage.**\nWhile it is true that standalone plans are available, you can also avail coverage through a [critical illness rider](https:\/\/www.tataaia.com\/life-insurance-plans\/non-linked-comprehensive-protection.html). Many life and health insurance policies offer critical illness riders that can be added to the policy at a low premium.\n\n[Tata AIA Life Insurance](https:\/\/www.tataaia.com\/) also offers various **life insurance plans with critical illness** riders. So, to avail of critical illness coverage, you don’t need to opt for a standalone plan. You can go for the rider option too.\n\n**Myth \\# 5: I have health insurance. I don’t need critical illness insurance.**\n\n###### **Fact: A critical illness plan can supplement your existing health insurance policy.**\nHealth insurance plans do cover the treatments associated with critical illnesses. However, as the treatments are expensive, your policy might not provide optimal coverage. Moreover, there are other financial implications of a critical illness too.\n\nFor instance, you might need home nursing, and-international treatments, or you might lose your job and need to provide for your family’s needs. These costs might not be covered under health insurance plans. A **critical illness insurance** cover provides you with a lump sum benefit that you can use at your discretion. It, therefore, supplements your health insurance coverage and is recommended.\n\n**Myth \\# 6: Critical illness plans are expensive. I cannot afford the premium.**\n\n###### **Fact: Premiums of critical illness plans are affordable.**\nCritical illness coverage is not expensive. Standalone critical illness insurance plans have affordable premiums. Moreover, if you opt for the critical illness rider, the premium is marginal against the coverage. So, debunk the myth that the coverage is expensive. It is not.\n\n**Myth \\# 7: I have pre-existing conditions. I am not eligible for critical illness insurance coverage.**\n\n###### **Fact: Pre-existing illnesses increase your health risks. However, this does not mean that you cannot buy critical illness insurance.**\nIn case of pre-existing conditions, the insurance company might require you to undergo a pre-entrance health check-up before the policy is issued. Moreover, you might have to pay a higher premium due to the increased health risks. But, your pre-existing conditions would not make you ineligible for the coverage. You can **buy critical illness insurance** plans even with pre-existing diseases.\n\n###### **How Many of These Myths Did You Believe?**\nNow that you know all the facts, it is time to understand the nuances of the cover and invest in the **best critical illness insurance plan**. It would prove to be a saviour in medical contingencies as you’d be able to get the much-needed financial assistance to face the illness head-on.\n\nIt’s time to shed your preconceived notions and understand the basics of **critical illness insurance in India**. Then, invest in a suitable critical illness insurance policy or a rider and protect your finances from being drained on expensive treatments.\n\nWhat’s more, you can also get a tax\\* benefit in the process. The premium paid for the critical illness cover is allowed as a deduction from your taxable income under Section 80D of the Income Tax Act, 1961.\n\nA critical illness policy is the need of the hour, given the rising cases of illnesses. It is worth investing in critical illness coverage, either on a standalone basis or as a rider.\n\n**L\\&C\/Advt\/2021\/Jun\/0909**\n\n![](https:\/\/www.tataaia.com\/content\/dam\/tataaia\/share-icon1.svg)  Share this article\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/share-linkedin.svg) LinkedIn]()\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/share-facebook.svg) Facebook]()\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/share-twitter.svg) Twitter]()\n\n[![](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/share-icons\/share-email.png) Email]()\n\n###\n### Related Articles\n- [How To Get Fit At Home \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/life-insurance\/home-workout-and-fitness-tips.html)\n  ![clock icon](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/blogs\/clock-icon.svg) 10 mins read\n- [What Is The Difference Between Insurance And Reinsurance? 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\\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/life-insurance\/what-is-the-difference-between-insurance-and-reinsurance.html)\n  ![clock icon](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/blogs\/clock-icon.svg) 10 mins read\n- [NSIGSE scheme: Meaning, Features & Eligibility Criteria \\| Tata AIA](https:\/\/www.tataaia.com\/blogs\/life-insurance\/what-is-the-nsigse-scheme.html)\n  ![clock icon](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/blogs\/clock-icon.svg) 10 mins read\n\n#### **People Like You Also Read**\n[10 Habits of Wealthy People to Follow for Financial Success](https:\/\/www.tataaia.com\/blogs\/life-insurance\/10-habits-followed-by-most-wealthy-people-you-must-know.html)\n\n[Why You Should Never Miss Breakfasts \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/life-insurance\/missing-breakfast-is-the-worst-health-decision-weve-been-making-as-a-generation-heres-why.html)\n\n[What is Daily Hospital Cash in Health Insurance](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/hospital-cash-insurance.html)\n\n[List Of Diseases Caused By Air Pollution \\| Tata AIA](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/diseases-caused-by-air-pollution.html)\n\n[How long is the maternity insurance waiting period?](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/what-is-the-waiting-period-in-maternity-health-insurance.html)\n\n[What is Milk Adulteration and How Can it be Detected?](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/what-is-milk-adulteration.html)\n\n[All About The Chiranjeevi Yojana Rajasthan Health Scheme](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/chiranjeevi-health-insurance-scheme.html)\n\n[Annual health check-ups in medical Insurance \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/annual-medical-check-ups-in-health-insurance-policy.html)\n\n[How to Cancel a Health Insurance Policy \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/how-to-cancel-health-insurance-policy-and-get-a-refund.html)\n\n[How to Buy Health Insurance Plans Online in India \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/how-to-buy-health-insurance-online-in-india.html)\n\n### People Like You Also Read\n[10 Habits of Wealthy People to Follow for Financial Success](https:\/\/www.tataaia.com\/blogs\/life-insurance\/10-habits-followed-by-most-wealthy-people-you-must-know.html)\n\n[Why You Should Never Miss Breakfasts \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/life-insurance\/missing-breakfast-is-the-worst-health-decision-weve-been-making-as-a-generation-heres-why.html)\n\n[What is Daily Hospital Cash in Health Insurance](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/hospital-cash-insurance.html)\n\n[List Of Diseases Caused By Air Pollution \\| Tata AIA](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/diseases-caused-by-air-pollution.html)\n\n[How long is the maternity insurance waiting period?](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/what-is-the-waiting-period-in-maternity-health-insurance.html)\n\n[What is Milk Adulteration and How Can it be Detected?](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/what-is-milk-adulteration.html)\n\n[All About The Chiranjeevi Yojana Rajasthan Health Scheme](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/chiranjeevi-health-insurance-scheme.html)\n\n[Annual health check-ups in medical Insurance \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/annual-medical-check-ups-in-health-insurance-policy.html)\n\n[How to Cancel a Health Insurance Policy \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/how-to-cancel-health-insurance-policy-and-get-a-refund.html)\n\n[How to Buy Health Insurance Plans Online in India \\| Tata AIA Blog](https:\/\/www.tataaia.com\/blogs\/health-and-lifestyle\/how-to-buy-health-insurance-online-in-india.html)\n\n![Website Logo Image Icon](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/blog\/blue-border-icon-blog.png)\n\n![View Icon](https:\/\/www.tataaia.com\/content\/dam\/tataaia\/views.svg)\n\n## Tata AIA Life Insurance\nA joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA), Tata AIA Life Insurance is one of the leading life insurance providers in India. We post everything you need to know about [life insurance](https:\/\/www.tataaia.com\/) , tax savings and a variety of lateral topics such as savings and investments in this space. You can access and read a host of different blogs, articles and pages at the Tata AIA Life Insurance Knowledge Center or get in touch with us with any queries or questions\\!\n\n[**View all posts by Tata AIA Life Insurance**](https:\/\/www.tataaia.com\/knowledge-centre.html \"\/knowledge-centre.html\")\n\n[![TATA AIA Logo](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/navigations\/new-navigation-icon\/Mobile-25-logo.svg)](https:\/\/www.tataaia.com\/)\n\n[Term Insurance](https:\/\/www.tataaia.com\/life-insurance-plans\/term-insurance.html)\n\n![]()\n\n[![]()](https:\/\/sellonline.tataaia.com\/wps\/PA_TATAAIA_SO\/CampaignRedirection?campaign=BO&product=373&camcode=2037&cid=website:link:navigation::sampoornarakshapromise:buytermplan:2037)\n\n[Buy Term Plan AWARD WINNING](https:\/\/sellonline.tataaia.com\/wps\/PA_TATAAIA_SO\/CampaignRedirection?campaign=BO&product=373&camcode=2037&cid=website:link:navigation::sampoornarakshapromise:buytermplan:2037)\n\n[![]()](https:\/\/www.tataaia.com\/calculator\/term-insurance-calculator.html)\n\n[Term Insurance Calculator](https:\/\/www.tataaia.com\/calculator\/term-insurance-calculator.html)\n\n[![]()](https:\/\/www.tataaia.com\/life-insurance-plans\/term-insurance\/1-crore-term-insurance-plan.html)\n\n[₹ 1 Crore Term Insurance](https:\/\/www.tataaia.com\/life-insurance-plans\/term-insurance\/1-crore-term-insurance-plan.html)\n\n[![]()](https:\/\/www.tataaia.com\/term-plan-with-return-of-premium.html)\n\n[Term Plan With Return of Premium](https:\/\/www.tataaia.com\/term-plan-with-return-of-premium.html)\n\n[![]()](https:\/\/www.tataaia.com\/life-insurance-plans\/term-plan-with-market-linked-returns.html?utm_campaign=navtermplans)\n\n[Term Plan + Market-linked 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Visit us at:[**www.tataaia.com**](https:\/\/ind01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.tataaia.com%2F&data=04%7C01%7CSarvesh.Nadkarni%40tataaia.com%7C387e6feb669c4319d7d008d940790c64%7C79d68da32314473ab2edaf004d06b441%7C0%7C0%7C637611710999122184%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=XuqDoI98bLz%2Bg28m5CgaRthoWKxDJe1YXbGcm2CaByg%3D&reserved=0)**.**\n\n**BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS\/FRAUDULENT OFFERS**\n\nIRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\n\nTata AIA Life Insurance © 2026. 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All Right Reserved.\n\n![Chatbot Tasha Image](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/new-chatbot\/first-tasha-desktop.svg)\n\n[![Calculate Term Premium](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/new-chatbot\/calc-btn-img.svg) Calculate Term Premium](https:\/\/sellonline.tataaia.com\/wps\/PA_TATAAIA_SO\/CampaignRedirection?campaign=BO&product=373&camcode=2101&cid=website:link:footerstickybutton:commonpages:sampoornarakshapromise::2101)\n\n![Loader](https:\/\/www.tataaia.com\/content\/dam\/tataaialifeinsurancecompanylimited\/loader.gif)","attrs_readable_markdown":"Critical illnesses which are life-threatening and require extensive and advanced medical treatments. Since such treatments can be pretty expensive, signing up for **critical illness insurance** coverage is advisable.\n\n###### **Why Get Critical Illness Insurance?**\nA **critical illness insurance** policy is a fixed benefit health insurance plan. It covers a list of specific critical illnesses and treatments. So, if you are diagnosed with any covered illnesses, the sum insured is paid as a lump sum.\n\n**Critical illness insurance** plans have become an essential requirement in today’s age. In the insurance policy, critical illness means illnesses and treatments which require advanced medical attention and are expensive to treat. Such acute illnesses cause considerable physiological and financial trauma. [According to reports](https:\/\/economictimes.indiatimes.com\/wealth\/insure\/decoding-the-threat-of-critical-illnesses-in-india\/articleshow\/53153416.cms), treating them is quite expensive. For example, lung diseases can cost as much as ₹20 Lakh, liver ailments ₹18 Lakh, and cancer treatments can go up to ₹10 Lakh.\n\nA critical illness insurance policy becomes necessary to protect yourself against the financial implications of such illnesses. The policy covers all kinds of acute illnesses, such as terminal diseases like cancer, and pays a lump sum benefit if you or your loved ones are diagnosed with one. This lump sum benefit can help you avail the best treatment possible or take care of other financial liabilities.\n\nThe **critical illness insurance** cover, however, has some technical aspects to it. Unfortunately, many individuals don’t understand the technicalities of the coverage. This has, thus, caused some common myths about it to abound. So, let’s bust these common myths and see the real picture behind a **critical illness insurance** cover.\n\n###### **Common Myths About Critical Illness Insurance Policy**\n**Myth \\#1: A critical illness insurance policy covers all types of illnesses.**\n\nMany people believe that if they purchase a critical **illness insurance policy**, they are covered against all possible illnesses that they might face.\n\n###### **Fact: A critical illness insurance Plan covers specific illnesses only.**\nA **critical illness insurance policy** covers specific illnesses. The illnesses covered under the plan's scop are listed in the plan benefits. If you are diagnosed with any of the covered illnesses, then only can you claim the same. If, on the other hand, you suffer from a disease not covered under the scope of the policy, you’ll not be eligible for the claim.\n\n**Myth \\# 2: If I am diagnosed with an illness mentioned in the coverage, I would surely be eligible for the claim.**\n\nIf you think that based on the diagnosis of a covered illness, you are automatically eligible for the claim, think again. Do you know what is considered a critical illness for insurance?\n\n###### **Fact: Claim payment under critical illness plans is subject to certain terms and conditions.**\nThere are some terms and conditions attached with claim payments under **critical illness insurance** plans. They cover illnesses of a particular nature and severity.\n\nFor example, critical illness insurance plans usually cover the first heart attack. So, if you have a heart attack after purchasing insurance coverage, but it is not your first incident, no claim will be reimbursed. Similarly, cancer of a specified severity is covered under the plan. So, unless your illness matches the plan’s definition of the same, you would not get a claim.\n\n**Myth \\# 3: I get a claim immediately on diagnosis of critical illness insurance.**\n\n###### **Fact**: **You are eligible for claim payment only after a stipulated period.**\nThere is a specific survival period under **critical illness insurance** plans. This period usually ranges from 30 days to 90 days. The claim is then paid after the diagnosis is over.\n\n**Myth \\# 4: Critical illness cover is available only on a standalone basis.**\n\n###### **Fact: There are both standalone plans as well as riders****\\#** **available for critical illness coverage.**\nWhile it is true that standalone plans are available, you can also avail coverage through a [critical illness rider](https:\/\/www.tataaia.com\/life-insurance-plans\/non-linked-comprehensive-protection.html). Many life and health insurance policies offer critical illness riders that can be added to the policy at a low premium.\n\n[Tata AIA Life Insurance](https:\/\/www.tataaia.com\/) also offers various **life insurance plans with critical illness** riders. So, to avail of critical illness coverage, you don’t need to opt for a standalone plan. You can go for the rider option too.\n\n**Myth \\# 5: I have health insurance. I don’t need critical illness insurance.**\n\n###### **Fact: A critical illness plan can supplement your existing health insurance policy.**\nHealth insurance plans do cover the treatments associated with critical illnesses. However, as the treatments are expensive, your policy might not provide optimal coverage. Moreover, there are other financial implications of a critical illness too.\n\nFor instance, you might need home nursing, and-international treatments, or you might lose your job and need to provide for your family’s needs. These costs might not be covered under health insurance plans. A **critical illness insurance** cover provides you with a lump sum benefit that you can use at your discretion. It, therefore, supplements your health insurance coverage and is recommended.\n\n**Myth \\# 6: Critical illness plans are expensive. I cannot afford the premium.**\n\n###### **Fact: Premiums of critical illness plans are affordable.**\nCritical illness coverage is not expensive. Standalone critical illness insurance plans have affordable premiums. Moreover, if you opt for the critical illness rider, the premium is marginal against the coverage. So, debunk the myth that the coverage is expensive. It is not.\n\n**Myth \\# 7: I have pre-existing conditions. I am not eligible for critical illness insurance coverage.**\n\n###### **Fact: Pre-existing illnesses increase your health risks. However, this does not mean that you cannot buy critical illness insurance.**\nIn case of pre-existing conditions, the insurance company might require you to undergo a pre-entrance health check-up before the policy is issued. Moreover, you might have to pay a higher premium due to the increased health risks. But, your pre-existing conditions would not make you ineligible for the coverage. You can **buy critical illness insurance** plans even with pre-existing diseases.\n\n###### **How Many of These Myths Did You Believe?**\nNow that you know all the facts, it is time to understand the nuances of the cover and invest in the **best critical illness insurance plan**. It would prove to be a saviour in medical contingencies as you’d be able to get the much-needed financial assistance to face the illness head-on.\n\nIt’s time to shed your preconceived notions and understand the basics of **critical illness insurance in India**. Then, invest in a suitable critical illness insurance policy or a rider and protect your finances from being drained on expensive treatments.\n\nWhat’s more, you can also get a tax\\* benefit in the process. The premium paid for the critical illness cover is allowed as a deduction from your taxable income under Section 80D of the Income Tax Act, 1961.\n\nA critical illness policy is the need of the hour, given the rising cases of illnesses. It is worth investing in critical illness coverage, either on a standalone basis or as a rider.\n\n**L\\&C\/Advt\/2021\/Jun\/0909**","meta_canonical":null}

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URL	https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html
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Meta Title	7 Common Myths About Critical Illness Insurance Debunked
Meta Description	A Critical Illness policy covers all kinds of acute illnesses. Some myths surrounding critical illness are 1. It covers all the diseases 2. One is eligible for the claim as soon as diagnosed with an illness 3. No need for critical insurance while having health cover & more. Check out the facts now!
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Boilerpipe Text	Critical illnesses which are life-threatening and require extensive and advanced medical treatments. Since such treatments can be pretty expensive, signing up for critical illness insurance coverage is advisable. Why Get Critical Illness Insurance? A critical illness insurance policy is a fixed benefit health insurance plan. It covers a list of specific critical illnesses and treatments. So, if you are diagnosed with any covered illnesses, the sum insured is paid as a lump sum. Critical illness insurance plans have become an essential requirement in today’s age. In the insurance policy, critical illness means illnesses and treatments which require advanced medical attention and are expensive to treat. Such acute illnesses cause considerable physiological and financial trauma. According to reports , treating them is quite expensive. For example, lung diseases can cost as much as ₹20 Lakh, liver ailments ₹18 Lakh, and cancer treatments can go up to ₹10 Lakh. A critical illness insurance policy becomes necessary to protect yourself against the financial implications of such illnesses. The policy covers all kinds of acute illnesses, such as terminal diseases like cancer, and pays a lump sum benefit if you or your loved ones are diagnosed with one. This lump sum benefit can help you avail the best treatment possible or take care of other financial liabilities. The critical illness insurance cover, however, has some technical aspects to it. Unfortunately, many individuals don’t understand the technicalities of the coverage. This has, thus, caused some common myths about it to abound. So, let’s bust these common myths and see the real picture behind a critical illness insurance cover. Common Myths About Critical Illness Insurance Policy Myth #1: A critical illness insurance policy covers all types of illnesses. Many people believe that if they purchase a critical illness insurance policy , they are covered against all possible illnesses that they might face. Fact: A critical illness insurance Plan covers specific illnesses only. A critical illness insurance policy covers specific illnesses. The illnesses covered under the plan's scop are listed in the plan benefits. If you are diagnosed with any of the covered illnesses, then only can you claim the same. If, on the other hand, you suffer from a disease not covered under the scope of the policy, you’ll not be eligible for the claim. Myth # 2: If I am diagnosed with an illness mentioned in the coverage, I would surely be eligible for the claim. If you think that based on the diagnosis of a covered illness, you are automatically eligible for the claim, think again. Do you know what is considered a critical illness for insurance? Fact: Claim payment under critical illness plans is subject to certain terms and conditions. There are some terms and conditions attached with claim payments under critical illness insurance plans. They cover illnesses of a particular nature and severity. For example, critical illness insurance plans usually cover the first heart attack. So, if you have a heart attack after purchasing insurance coverage, but it is not your first incident, no claim will be reimbursed. Similarly, cancer of a specified severity is covered under the plan. So, unless your illness matches the plan’s definition of the same, you would not get a claim. Myth # 3: I get a claim immediately on diagnosis of critical illness insurance. Fact : You are eligible for claim payment only after a stipulated period. There is a specific survival period under critical illness insurance plans. This period usually ranges from 30 days to 90 days. The claim is then paid after the diagnosis is over. Myth # 4: Critical illness cover is available only on a standalone basis. Fact: There are both standalone plans as well as riders # available for critical illness coverage. While it is true that standalone plans are available, you can also avail coverage through a critical illness rider . Many life and health insurance policies offer critical illness riders that can be added to the policy at a low premium. Tata AIA Life Insurance also offers various life insurance plans with critical illness riders. So, to avail of critical illness coverage, you don’t need to opt for a standalone plan. You can go for the rider option too. Myth # 5: I have health insurance. I don’t need critical illness insurance. Fact: A critical illness plan can supplement your existing health insurance policy. Health insurance plans do cover the treatments associated with critical illnesses. However, as the treatments are expensive, your policy might not provide optimal coverage. Moreover, there are other financial implications of a critical illness too. For instance, you might need home nursing, and-international treatments, or you might lose your job and need to provide for your family’s needs. These costs might not be covered under health insurance plans. A critical illness insurance cover provides you with a lump sum benefit that you can use at your discretion. It, therefore, supplements your health insurance coverage and is recommended. Myth # 6: Critical illness plans are expensive. I cannot afford the premium. Fact: Premiums of critical illness plans are affordable. Critical illness coverage is not expensive. Standalone critical illness insurance plans have affordable premiums. Moreover, if you opt for the critical illness rider, the premium is marginal against the coverage. So, debunk the myth that the coverage is expensive. It is not. Myth # 7: I have pre-existing conditions. I am not eligible for critical illness insurance coverage. Fact: Pre-existing illnesses increase your health risks. However, this does not mean that you cannot buy critical illness insurance. In case of pre-existing conditions, the insurance company might require you to undergo a pre-entrance health check-up before the policy is issued. Moreover, you might have to pay a higher premium due to the increased health risks. But, your pre-existing conditions would not make you ineligible for the coverage. You can buy critical illness insurance plans even with pre-existing diseases. How Many of These Myths Did You Believe? Now that you know all the facts, it is time to understand the nuances of the cover and invest in the best critical illness insurance plan . It would prove to be a saviour in medical contingencies as you’d be able to get the much-needed financial assistance to face the illness head-on. It’s time to shed your preconceived notions and understand the basics of critical illness insurance in India . Then, invest in a suitable critical illness insurance policy or a rider and protect your finances from being drained on expensive treatments. What’s more, you can also get a tax * benefit in the process. The premium paid for the critical illness cover is allowed as a deduction from your taxable income under Section 80D of the Income Tax Act, 1961. A critical illness policy is the need of the hour, given the rising cases of illnesses. It is worth investing in critical illness coverage, either on a standalone basis or as a rider. L&C/Advt/2021/Jun/0909
Markdown	- [Home](https://www.tataaia.com/) [Blogs](https://www.tataaia.com/blogs.html) [Life Insurance Blogs \\| TATA AIA](https://www.tataaia.com/blogs/life-insurance.html) 7 Common Myths About Critical Illness Insurance Debunked Need assistance in choosing the right insurance plan? Get a call from our Expert. Need assistance in choosing the right insurance plan?Get a call from our Expert. ![]() ![]() ## Success # 7 Myths & Facts about Critical Illness Insurance You Must Know June 16 - 9 min. read ![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/Share-icon.png) Share this article [![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/share-outline.png)](https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html) [![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/WhatsApp-icon.png)](https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html) [![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/emailshare.png)](https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html) [![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/facebook-share.png)](https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html) [![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/twittershare.png)](https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html) [![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/linkedin-share.png)](https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html) ![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/blogs/health-and-lifestyle/7-myths-facts-about-critical-illness-insurance-you-must-know/shutterstock_1724590516.jpg) ![](https://www.tataaia.com/content/dam/tataaia/views.svg) [![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/whatsup-btn.png) Share on WhatsApp](https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html) [![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/share-icons/gmail.png) Share via Mail](https://www.tataaia.com/blogs/life-insurance/myths-and-facts-about-critical-illness-insurance.html) Critical illnesses which are life-threatening and require extensive and advanced medical treatments. Since such treatments can be pretty expensive, signing up for critical illness insurance coverage is advisable. ###### Why Get Critical Illness Insurance? A critical illness insurance policy is a fixed benefit health insurance plan. It covers a list of specific critical illnesses and treatments. So, if you are diagnosed with any covered illnesses, the sum insured is paid as a lump sum. Critical illness insurance plans have become an essential requirement in today’s age. In the insurance policy, critical illness means illnesses and treatments which require advanced medical attention and are expensive to treat. Such acute illnesses cause considerable physiological and financial trauma. [According to reports](https://economictimes.indiatimes.com/wealth/insure/decoding-the-threat-of-critical-illnesses-in-india/articleshow/53153416.cms), treating them is quite expensive. For example, lung diseases can cost as much as ₹20 Lakh, liver ailments ₹18 Lakh, and cancer treatments can go up to ₹10 Lakh. A critical illness insurance policy becomes necessary to protect yourself against the financial implications of such illnesses. The policy covers all kinds of acute illnesses, such as terminal diseases like cancer, and pays a lump sum benefit if you or your loved ones are diagnosed with one. This lump sum benefit can help you avail the best treatment possible or take care of other financial liabilities. The critical illness insurance cover, however, has some technical aspects to it. Unfortunately, many individuals don’t understand the technicalities of the coverage. This has, thus, caused some common myths about it to abound. So, let’s bust these common myths and see the real picture behind a critical illness insurance cover. ###### Common Myths About Critical Illness Insurance Policy Myth \#1: A critical illness insurance policy covers all types of illnesses. Many people believe that if they purchase a critical illness insurance policy, they are covered against all possible illnesses that they might face. ###### Fact: A critical illness insurance Plan covers specific illnesses only. A critical illness insurance policy covers specific illnesses. The illnesses covered under the plan's scop are listed in the plan benefits. If you are diagnosed with any of the covered illnesses, then only can you claim the same. If, on the other hand, you suffer from a disease not covered under the scope of the policy, you’ll not be eligible for the claim. Myth \# 2: If I am diagnosed with an illness mentioned in the coverage, I would surely be eligible for the claim. If you think that based on the diagnosis of a covered illness, you are automatically eligible for the claim, think again. Do you know what is considered a critical illness for insurance? ###### Fact: Claim payment under critical illness plans is subject to certain terms and conditions. There are some terms and conditions attached with claim payments under critical illness insurance plans. They cover illnesses of a particular nature and severity. For example, critical illness insurance plans usually cover the first heart attack. So, if you have a heart attack after purchasing insurance coverage, but it is not your first incident, no claim will be reimbursed. Similarly, cancer of a specified severity is covered under the plan. So, unless your illness matches the plan’s definition of the same, you would not get a claim. Myth \# 3: I get a claim immediately on diagnosis of critical illness insurance. ###### Fact: You are eligible for claim payment only after a stipulated period. There is a specific survival period under critical illness insurance plans. This period usually ranges from 30 days to 90 days. The claim is then paid after the diagnosis is over. Myth \# 4: Critical illness cover is available only on a standalone basis. ###### Fact: There are both standalone plans as well as riders\# available for critical illness coverage. While it is true that standalone plans are available, you can also avail coverage through a [critical illness rider](https://www.tataaia.com/life-insurance-plans/non-linked-comprehensive-protection.html). Many life and health insurance policies offer critical illness riders that can be added to the policy at a low premium. [Tata AIA Life Insurance](https://www.tataaia.com/) also offers various life insurance plans with critical illness riders. So, to avail of critical illness coverage, you don’t need to opt for a standalone plan. You can go for the rider option too. Myth \# 5: I have health insurance. I don’t need critical illness insurance. ###### Fact: A critical illness plan can supplement your existing health insurance policy. Health insurance plans do cover the treatments associated with critical illnesses. However, as the treatments are expensive, your policy might not provide optimal coverage. Moreover, there are other financial implications of a critical illness too. For instance, you might need home nursing, and-international treatments, or you might lose your job and need to provide for your family’s needs. These costs might not be covered under health insurance plans. A critical illness insurance cover provides you with a lump sum benefit that you can use at your discretion. It, therefore, supplements your health insurance coverage and is recommended. Myth \# 6: Critical illness plans are expensive. I cannot afford the premium. ###### Fact: Premiums of critical illness plans are affordable. Critical illness coverage is not expensive. Standalone critical illness insurance plans have affordable premiums. Moreover, if you opt for the critical illness rider, the premium is marginal against the coverage. So, debunk the myth that the coverage is expensive. It is not. Myth \# 7: I have pre-existing conditions. I am not eligible for critical illness insurance coverage. ###### Fact: Pre-existing illnesses increase your health risks. However, this does not mean that you cannot buy critical illness insurance. In case of pre-existing conditions, the insurance company might require you to undergo a pre-entrance health check-up before the policy is issued. Moreover, you might have to pay a higher premium due to the increased health risks. But, your pre-existing conditions would not make you ineligible for the coverage. You can buy critical illness insurance plans even with pre-existing diseases. ###### How Many of These Myths Did You Believe? Now that you know all the facts, it is time to understand the nuances of the cover and invest in the best critical illness insurance plan. It would prove to be a saviour in medical contingencies as you’d be able to get the much-needed financial assistance to face the illness head-on. It’s time to shed your preconceived notions and understand the basics of critical illness insurance in India. Then, invest in a suitable critical illness insurance policy or a rider and protect your finances from being drained on expensive treatments. What’s more, you can also get a tax\* benefit in the process. The premium paid for the critical illness cover is allowed as a deduction from your taxable income under Section 80D of the Income Tax Act, 1961. A critical illness policy is the need of the hour, given the rising cases of illnesses. It is worth investing in critical illness coverage, either on a standalone basis or as a rider. 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For more details on the benefits, premiums and exclusions under the riders please refer to the Rider Brochure or contact our Insurance Advisor or visit our nearest branch office. - \Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. - Insurance cover is available under the product. - The products are underwritten by Tata AIA Life Insurance Company Ltd. - The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance. - For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. - This blog is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. The information is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action. - Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. - Every effort is made to ensure that all information contained in this blog is accurate at the date of publication, however, the Tata AIA Life shall not have any liability for any damages of any kind (including but not limited to errors and omissions) whatsoever relating to this material. 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No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd. and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd. under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call [1-860-266-9966](tel:18602669966) (local charges apply) or write to us at[customercare@tataaia.com](mailto:customercare@tataaia.com). 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Readable Markdown	Critical illnesses which are life-threatening and require extensive and advanced medical treatments. Since such treatments can be pretty expensive, signing up for critical illness insurance coverage is advisable. ###### Why Get Critical Illness Insurance? A critical illness insurance policy is a fixed benefit health insurance plan. It covers a list of specific critical illnesses and treatments. So, if you are diagnosed with any covered illnesses, the sum insured is paid as a lump sum. Critical illness insurance plans have become an essential requirement in today’s age. In the insurance policy, critical illness means illnesses and treatments which require advanced medical attention and are expensive to treat. Such acute illnesses cause considerable physiological and financial trauma. [According to reports](https://economictimes.indiatimes.com/wealth/insure/decoding-the-threat-of-critical-illnesses-in-india/articleshow/53153416.cms), treating them is quite expensive. For example, lung diseases can cost as much as ₹20 Lakh, liver ailments ₹18 Lakh, and cancer treatments can go up to ₹10 Lakh. A critical illness insurance policy becomes necessary to protect yourself against the financial implications of such illnesses. The policy covers all kinds of acute illnesses, such as terminal diseases like cancer, and pays a lump sum benefit if you or your loved ones are diagnosed with one. This lump sum benefit can help you avail the best treatment possible or take care of other financial liabilities. The critical illness insurance cover, however, has some technical aspects to it. Unfortunately, many individuals don’t understand the technicalities of the coverage. This has, thus, caused some common myths about it to abound. So, let’s bust these common myths and see the real picture behind a critical illness insurance cover. ###### Common Myths About Critical Illness Insurance Policy Myth \#1: A critical illness insurance policy covers all types of illnesses. Many people believe that if they purchase a critical illness insurance policy, they are covered against all possible illnesses that they might face. ###### Fact: A critical illness insurance Plan covers specific illnesses only. A critical illness insurance policy covers specific illnesses. The illnesses covered under the plan's scop are listed in the plan benefits. If you are diagnosed with any of the covered illnesses, then only can you claim the same. If, on the other hand, you suffer from a disease not covered under the scope of the policy, you’ll not be eligible for the claim. Myth \# 2: If I am diagnosed with an illness mentioned in the coverage, I would surely be eligible for the claim. If you think that based on the diagnosis of a covered illness, you are automatically eligible for the claim, think again. Do you know what is considered a critical illness for insurance? ###### Fact: Claim payment under critical illness plans is subject to certain terms and conditions. There are some terms and conditions attached with claim payments under critical illness insurance plans. They cover illnesses of a particular nature and severity. For example, critical illness insurance plans usually cover the first heart attack. So, if you have a heart attack after purchasing insurance coverage, but it is not your first incident, no claim will be reimbursed. Similarly, cancer of a specified severity is covered under the plan. So, unless your illness matches the plan’s definition of the same, you would not get a claim. Myth \# 3: I get a claim immediately on diagnosis of critical illness insurance. ###### Fact: You are eligible for claim payment only after a stipulated period. There is a specific survival period under critical illness insurance plans. This period usually ranges from 30 days to 90 days. The claim is then paid after the diagnosis is over. Myth \# 4: Critical illness cover is available only on a standalone basis. ###### Fact: There are both standalone plans as well as riders\# available for critical illness coverage. While it is true that standalone plans are available, you can also avail coverage through a [critical illness rider](https://www.tataaia.com/life-insurance-plans/non-linked-comprehensive-protection.html). Many life and health insurance policies offer critical illness riders that can be added to the policy at a low premium. [Tata AIA Life Insurance](https://www.tataaia.com/) also offers various life insurance plans with critical illness riders. So, to avail of critical illness coverage, you don’t need to opt for a standalone plan. You can go for the rider option too. Myth \# 5: I have health insurance. I don’t need critical illness insurance. ###### Fact: A critical illness plan can supplement your existing health insurance policy. Health insurance plans do cover the treatments associated with critical illnesses. However, as the treatments are expensive, your policy might not provide optimal coverage. Moreover, there are other financial implications of a critical illness too. For instance, you might need home nursing, and-international treatments, or you might lose your job and need to provide for your family’s needs. These costs might not be covered under health insurance plans. A critical illness insurance cover provides you with a lump sum benefit that you can use at your discretion. It, therefore, supplements your health insurance coverage and is recommended. Myth \# 6: Critical illness plans are expensive. I cannot afford the premium. ###### Fact: Premiums of critical illness plans are affordable. Critical illness coverage is not expensive. Standalone critical illness insurance plans have affordable premiums. Moreover, if you opt for the critical illness rider, the premium is marginal against the coverage. So, debunk the myth that the coverage is expensive. It is not. Myth \# 7: I have pre-existing conditions. I am not eligible for critical illness insurance coverage. ###### Fact: Pre-existing illnesses increase your health risks. However, this does not mean that you cannot buy critical illness insurance. In case of pre-existing conditions, the insurance company might require you to undergo a pre-entrance health check-up before the policy is issued. Moreover, you might have to pay a higher premium due to the increased health risks. But, your pre-existing conditions would not make you ineligible for the coverage. You can buy critical illness insurance plans even with pre-existing diseases. ###### How Many of These Myths Did You Believe? Now that you know all the facts, it is time to understand the nuances of the cover and invest in the best critical illness insurance plan. It would prove to be a saviour in medical contingencies as you’d be able to get the much-needed financial assistance to face the illness head-on. It’s time to shed your preconceived notions and understand the basics of critical illness insurance in India. Then, invest in a suitable critical illness insurance policy or a rider and protect your finances from being drained on expensive treatments. What’s more, you can also get a tax\* benefit in the process. The premium paid for the critical illness cover is allowed as a deduction from your taxable income under Section 80D of the Income Tax Act, 1961. A critical illness policy is the need of the hour, given the rising cases of illnesses. It is worth investing in critical illness coverage, either on a standalone basis or as a rider. L\&C/Advt/2021/Jun/0909
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