Health Insurance Vs Critical Illness
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For instance daycare procedures out patient treatment ambulance cover etc.
Health insurance vs critical illness. However critical illness plans do not have such high coverage. Comprehensive health insurance plans cover expenses around hospitalisation. Whereas critical illness plans provide a lump sum to the insured on the diagnosis of a critical illness.
You can avail a critical illness plan at a cheaper rate than a health insurance plan. A health insurance plan usually has a waiting period of 30 to 90 days and therefore isn t applicable in case of an accident. However a critical illness insurance is usually bought for a longer duration of time for instance 15 to 20 years.
Typically a health insurance plan is availed for a year and then renewed year on year. Under critical illness plans the maximum sum insured levels range between rs 10 lakhs and rs 25 lakhs.
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