Critical Illness Policy that Covers up to ₹10 Lakhs
-
Covers 10 critical illnesses
-
No medical tests
-
Up to 50% discount
Critical Illness Insurance – Get Lump Sum Protection Against Major Diseases
IndusInd Critical Illness Insurance is a health plan that offers specialised coverage to help manage treatment costs for critical illnesses such as stroke, kidney failure, and cancer. It covers 10 critical illnesses, with lump-sum payouts ranging from ₹5 lakh to ₹10 lakh.
For example, if your family has a history of heart disease and you’re at risk of developing it later in life, a critical illness policy will pay the full sum insured amount upon a diagnosis from your doctor for heart disease or surgery.
So, if you bought a ₹10 lakh critical illness policy, you will get the full ₹10 lakh on diagnosis. You can use this amount to pay for surgery costs, cardiac medication, hospital follow-up visits, and any other expenses.
The IndusInd Critical Illness Insurance (formerly Reliance Critical Illness Insurance) plan offers coverage to a single person with flexible policy durations of 1 and 3 years. With the IndusInd Insurance App, you get a streamlined claims process, meaning you get the lump sum payout right when you need it.
What is Critical Illness Insurance?
Critical illness insurance is a form of health insurance that provides financial support when a serious, life-threatening illness is diagnosed. The policy pays a fixed lump-sum amount upon confirmation of a listed critical condition, regardless of the actual medical expenses incurred.
This payout is not restricted to hospital bills or treatment costs. The amount can be used for chemotherapy, long-term medication, recovery care, home modifications, or follow-up therapies. Many families also use the benefit to manage everyday financial responsibilities, such as EMIs, house rent, utility bills, and children’s education, during recovery.
Today, an organ transplant surgery, like a kidney transplant, can cost anywhere between ₹5 lakh and ₹15 lakh, depending on the severity.
With cancer rates on the rise, approximately 15 lakh cancer cases in 2024 alone, having specialised critical care insurance helps reduce financial stress by offering a one-time payout at diagnosis.
A critical illness can turn your life upside down. Our IndusInd Critical Illness Insurance plan (formerly known as the Reliance Critical Illness Insurance plan) is designed to ensure you focus on your recovery rather than the cost of treatment.
AYUSH & Modern Surgery
100% SI coverage for both.
Up to 40% Discount
More protection at lower costs.
Unlimited SI Restoration
Unlimited comprehensive coverage.
20+ Add-On Covers
Choose coverage as per needs.
How Does IndusInd Critical Illness Insurance Work?
Step-by-Step: From Diagnosis to Payout
Buy the Policy and Serve the Waiting Period
Buy the policy and complete the 90-day initial waiting period. During this period, no claims are accepted, even if the illness is covered.
Get Diagnosed with a Covered Illness
If you are diagnosed with a critical illness listed in the policy, you become eligible to move forward with the claim process.
Survive the Required Survival Period
You must survive a set number of days: 30 days for a Category 1 illness and 60 days for a Category 2 illness, from the date of diagnosis. This condition must be met before a claim can be approved.
Submit Required Documents
Share all necessary medical records, test reports, and claim forms with IndusInd General Insurance to initiate the claim evaluation process.
Receive Lump Sum Payout
Once verified, the full sum insured is paid out as a one-time lump sum, giving you the flexibility to use it for treatment or other financial needs.
How is the Claim Paid and Used?
Lump Sum Payout
Once approved, the claim amount is paid to you as a lump sum. This money can be used in several ways, depending on your personal needs
Medical Treatment
Pay for hospital care, second opinions, alternative therapies, or advanced procedures not covered by regular insurance.
Daily Expenses
Manage essential costs like groceries, rent, utility bills, and school fees while you are recovering.
Loan EMIs
Use the payout to continue repaying home, car, or personal loans without disrupting your credit standing.
Travel and Relocation
Cover travel for specialised treatment or relocate temporarily for care and recovery.
Home Care and Support
Hire help for caregiving, physiotherapy, or medical equipment at home if needed.
Complete Flexibility
The funds are yours to use as needed, whether for health, family, or financial stability during recovery.
Key Features of IndusInd Critical Illness Insurance
IndusInd Critical Illness Policy (previously known as Reliance Critical Illness Policy) offers a high sum insured of up to ₹10 lakhs with quick claim settlement, easy online processes and reliable 24/7 customer service.
Features |
Description |
|---|---|
Premiums |
Starts at just ₹382 per month* |
Discounts |
Up to 50% |
Multiple SI Options |
₹5 lakh, ₹7 lakh and ₹10 lakh |
Lumpsum Payout |
Reliable financial support during crisis |
Wide Range of Illnesses Covered |
10 critical illnesses covered |
Policy Renewability |
Lifelong |
Claim Settlement |
In 4 hours |
Medical Tests |
Not required (up to 45 years of age) |
Network Hospitals |
Over 10,000 |
Disclaimer: The coverage features, prices and discount rates stated in the table are subject to change. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.
IndusInd Critical Illness Policy Benefits
Up to ₹10 Lakhs Sum Insured
Get a high, customisable critical illness cover with SI from ₹5 Lakhs to ₹10 Lakhs to cover the treatment of your critical illness.
Covers 10 Critical Illnesses
We cover 10 of the most common critical illnesses in one plan, including cancer, stroke, heart valve repair and organ transplant.
No Medical Test
If you are under 45 years of age and have no past/present medical history, no medical tests are required for instant issuance of a critical illness policy.
Flexible Policy Duration
We offer flexible 1- or 3-year policy terms for uninterrupted critical illness coverage, so you can focus on recovery without financial stress.
Up to 50% Discount*
If you don't make claims during your policy period, you get up to 50%* discount during your policy renewal as a reward for your claim-free years.
Tax Benefits
Along with comprehensive coverage and lump sum payouts, you can claim tax benefits on premiums paid under Section 80D of the Income Tax Act.
Eligibility, Waiting Period & Survival Period
Here are key eligibility and coverage requirements for our Critical Illness cover, to help you decide whether this is the right policy for you. Knowing these limits will also help you choose the most suitable plan, ensuring you receive sufficient coverage.
Parameters |
Details |
|---|---|
Age Limits |
Adults aged 18 to 65 can buy this policy. |
Maximum Entry Age |
65 years for a ₹5 lakh sum insured
|
Medical Check-up |
Pre-policy medical check-up not required for individuals up to 45 years of age with no medical history.
|
Coverage Continuity |
Lifelong renewability |
Policy Tenure |
Option between 1-year and 3-year plans. |
What is the Waiting Period for Critical Illness Insurance?
The waiting period is the initial time after buying a critical illness insurance policy during which no claim is payable, even if a covered illness is diagnosed. This period is 90 days from the policy start date.
For example, if your policy begins on 1st January and a listed critical illness is diagnosed in February, the claim will not be eligible. Once the waiting period is complete, any diagnosis of a covered illness qualifies for the lump-sum payout, subject to the policy terms.
What is the Survival Period in Critical Illness Insurance?
The survival period is the minimum number of days you must live after being diagnosed with a covered critical illness to be eligible for a claim. This period depends on the diagnosed illness and its categorisation.
- For category I illnesses, cancer of specified severity or bone marrow transplant, a survival period of more than 30 days post diagnosis is applicable.
- For category II illnesses, such as open-heart replacement, a survival period of more than 60 days post-diagnosis is applicable.
This ensures that the benefit is paid only if the policyholder survives the immediate impact of the illness.
For example, if you are diagnosed with a covered condition like cancer, you must survive for at least 30 days from the date of diagnosis. Only then will IndusInd General Insurance process the lump sum payout.
How to Choose the Right Sum Insured?
Choosing the right sum insured depends on personal risk, financial responsibilities, and how long your household would need support during recovery. These factors help guide a sensible decision.
Lifestyle and Health Habits
Daily stress levels, long working hours, smoking, sedentary routines, or irregular sleep patterns increase the risk of serious illnesses. Higher lifestyle risk usually calls for a higher sum insured to absorb longer treatment and recovery periods.
Income Stability and Existing Debts
Consider monthly income, home loans, personal loans, and ongoing EMIs. A critical illness can interrupt earnings for months. The sum insured should protect regular expenses without forcing asset liquidation or borrowing during treatment.
Family Medical History
A history of cancer, heart disease, or neurological conditions raises future risk. In such cases, choosing a higher cover provides a financial cushion if a diagnosis occurs earlier in life.
Simple Thumb Rules to Choose Critical Illness Sum Insured
Choose a sum insured equal to 3–5 times your annual income. A well-chosen sum insured supports recovery without financial pressure.
Alternatively, select an amount that covers 2–3 years of household expenses, including EMIs, education costs, and daily living expenses.
Premium & Example Scenarios - What Affects Your Critical Illness Premium?
The premium for your critical illness insurance depends on several personal and medical factors. Choosing the right sum insured early in life not only gives you better protection but also helps you lock in lower premiums for the long term.
Age: Premiums are lower for younger applicants, as the risk of illness increases with age.
Medical history: A history of health issues or past surgeries can lead to higher premiums or the need for medical tests.
Sum insured: The higher the coverage amount you choose, the more your premium will be.
Lifestyle habits: Smoking, alcohol use, and sedentary lifestyle habits can increase your risk profile and affect your premium.
Occupation: Jobs with high physical or health risks may lead to slightly higher premiums.
Existing conditions: Pre-existing health conditions may result in exclusions, loadings, or even policy denial.
Premium Illustration
Younger entry ages usually attract lower premiums, even at higher coverage levels. As age increases, premiums rise due to higher health risk, making early planning more cost-effective. Here is an illustration explaining how sum insured and age influence premium prices. You can also use the calculator below to get a realistic idea of your needs.
Age |
Sum Insured |
Approximate Annual Premium Band* |
|---|---|---|
30 years |
₹7 lakh |
₹1,917 |
40 years |
₹7 lakh |
₹3,600 |
50 years |
₹7 lakh |
₹10,075 |
30 years |
₹10 lakh |
₹2,738 |
40 years |
₹10 lakh |
₹5,142 |
50 years |
₹10 lakh |
₹14,393 |
Please note: The table above offers a simple illustration of how age and chosen sum insured can influence premium ranges. Actual premiums may vary based on health profile, lifestyle habits, and underwriting assessment.
Discounts Under the IndusInd Critical Illness Policy
10% Cumulative Discount for Policy with 3-year Term
Get a 10%* cumulative discount (up to 50%) on renewal premiums after every 3 claim-free years.
5% Discount for Policy with 1-Year Term
Get a 5%* cumulative discount (up to 50%) on renewal premium after 1 claim-free year.
Inclusions vs Exclusions of IndusInd Critical Illness Insurance
Critical Illnesses Covered
Aorta Graft Surgery: Covers first-time surgical repair of an aortic aneurysm, confirmed any 2 of the following: CT, MRI, echo, angio or abdominal ultrasound.
Open Heart Replacement: Covers open heart valve replacement/repair for one or more valves, diagnosed by echocardiography and confirmed by an authorised doctor.
Cancer of Specified Severity: Covers blood, blood vessel, bone, and connective tissue cancers when diagnosed by an authorised pathologist or oncologist.
Bone Marrow Transplant: Covers haematopoietic stem cell bone marrow transplant procedures confirmed and performed by a specialist.
Major Organ Transplant: Organ transplants for the heart, lung, liver, kidney and pancreas due to end-stage organ failure are covered.
Kidney Failure: Covers end-stage kidney failure with irreversible failure of both kidneys, where a transplant or regular renal dialysis is required.
Multiple Sclerosis: Covered only if you have a confirmed diagnosis with MRI and CSF reports, and symptoms persisting for more than 6 months.
Total Blindness: Covers clinically record NLP (No Light Perception)/Complete lack of light perception in both eyes.
Quadriplegia: Covers permanent and total paralysis of all limbs due to injury/disease of the brain/spinal cord that persists over 3 months.
Third-Degree Burns: Covers third-degree burns and scarring affecting at least 45% of the body, characterised by severe skin damage and sensation loss.
What is Not Covered?
Pre-existing diseases, HIV/AIDS, Congenital or Genetic Disorders: We cover a wide range of critical illnesses, except for HIV/AIDS, pre-existing critical illnesses and health conditions, and critical illnesses that result from a congenital or genetic condition.
Waiting Periods and Unauthorised Diagnoses: Any critical illness you may develop during the 90-day initial waiting period is excluded. Plus, we only accept medical reports and diagnoses from authorised medical professionals during claims.
Accidental Injuries, Pregnancy and Maternity: Your treatment costs are fully covered. Still, any accidental injuries that lead to complications and critical illness conditions worsened or prolonged by pregnancy or childbirth are excluded.
Drug or Alcohol Abuse: Any critical illness due to the consumption of alcohol or other illegal substances.
Intentional Injury: Any critical illness caused when saving another human life is covered, but self-inflicted injuries or intentional exposure to dangerous situations are excluded.
War, nuclear weapons, or terrorism: Any critical illness caused by war, nuclear weapons, ionising radiation or contamination by radioactivity from nuclear fuel.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
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How is Critical Illness Insurance Different from Regular Health Insurance?
Basis |
Critical Illness Insurance |
Regular Health Insurance |
|---|---|---|
Coverage Type |
Covers only specified serious illnesses. |
Covers hospitalisation and medical treatment for many conditions. |
Payout Type |
Pays a fixed lump sum amount. |
Reimburses or settles cashless medical bills. |
Usage Of Money |
Free use for treatment, EMIs, rent, education, or recovery needs. |
Primarily limited to medical and hospital-related expenses. |
Illnesses Covered |
Defined illnesses only, such as cancer, heart attack, or stroke. |
Wide range of illnesses, injuries, and surgeries. |
Premium |
Usually lower, as coverage is specific and defined. |
Higher, due to broader and ongoing medical coverage. |
Which is Better - Health Insurance or Critical Illness Insurance?
To understand which is better for your medical needs, it is important to understand your healthcare needs. Both plans serve different, equally important purposes. Health insurance handles hospital bills through reimbursement or cashless claims.
Critical illness insurance provides a lump-sum payment, not reimbursement, and serves as income support when life and work are disrupted.
Having both ensures stronger protection for your health and income, giving you confidence during tough times.
Who Should Buy Critical Illness Insurance?
Young Professionals in High-Stress Jobs
If you work in a high-pressure field like tech, finance, or marketing, long hours and stress can impact your health over time. Early cover offers long-term protection at a lower cost.
Individuals with Family History of Critical Diseases
If your parents or close relatives have had illnesses like cancer, heart disease, or diabetes, your risk may be higher. Critical insurance cover helps prepare for possible future diagnoses.
Primary Breadwinners & Self-Employed Individuals
If your income supports your family or business, a serious illness could pause your earnings. A lump sum payout ensures your responsibilities are covered during recovery.
People Planning Long-Term Financial Goals
Buying a home, starting a family, or investing in your child’s education? Critical illness cover protects those dreams from being derailed by unexpected health events.
Those Without Employer Health Benefits
If you are a freelancer, gig worker, or work with a startup that doesn’t offer group health cover, this policy gives you essential financial backup.
People with Existing EMIs or Loans
If you are paying off a home loan, car loan, or personal loan, a critical illness can disrupt repayments. Insurance ensures your EMIs don’t become a burden mid-recovery.
How to Buy and Renew IndusInd Critical Illness Policy
Buy Online
Scroll to the top of this page to buy our critical illness insurance policy.
Select the preferred sum insured value, policy tenure and add your details.
Tick the check box to accept the terms and conditions.
Once done, click on “Check Our Prices” to check the premium quote.
Make the payment and receive the policy in your registered email.
Renew Online
Go to the calculator at the top of this page and select "Renewal."
Enter your policy number or mobile number as needed.
Click on “Send OTP” to verify and continue with the process.
Review and edit your existing policy if required.
View the updated premium and pay online to renew instantly.
Health insurance starting at just ₹382 per month*!
Get protection against critical illnesses
Protect yourself against the high costs of serious diseases and ensure you have the essential support you need when you need it most.
View all the important criteria’s for this plan
Steps to file a Claim:
Notify Us Promptly
Inform ICare immediately or within 7 days of the event's occurrence about the critical illness insurance claim request using one of the following methods.
Call us at 022-4890-3009 (paid) or 022-3383-4185 (paid) - Exclusive for senior citizens.
Send an email to igicl.icarehealth@indusindinsurance.com
Submit the Documents
Complete and submit the critical illness claim form along with the necessary supporting documents. The list will include hospital bills, treatment expenses, consultation charges and other health-related treatment receipts.
Verification
We will review the documents and form. In some cases, we can request additional documents and proof.
Reimbursement
Upon verification, we will reimburse the applicable claim amount as per your critical illness mediclaim policy to your registered bank account.
For more details on the claim process, please read the policy wordings.
Things to Check When Filing a Claim
Here are a few important things to keep in mind to ensure a quick and easy claim settlement process. Knowing these policy clauses can help ensure you get the full claim amount on time upon diagnosis of a critical illness.
Policy Period
This is the timeframe during which the policy will be active. For example, our best critical illness insurance plan is available for 1 and 3 years, meaning your policy coverage can last up to 3 years (based on your chosen tenure) after which, you must renew your policy. You will also only be able to file claims during the policy period, not before or after it.
Policy Type
Who this policy covers is also an important factor to check for. Our critical illness insurance plan is an individual policy, meaning it will only cover one person. So, if you are listed as the policyholder, the policy will only cover your medical costs when you file a claim.
Check the Waiting and Survival Periods
- 90 days initial waiting period.
- 30-day survival period for illnesses covered under Category 1.
- 60-day survival period for illnesses covered under category 2.
Know Your Responsibility As the Policyholder
- Pay the policy premiums on time.
- Avoid filing a false claim.
- Declare your medical history honestly.
Maintain Continuity
It is important to renew your policy on time, or you will no longer be covered for your healthcare costs. Renew your policy within 30 days of the policy end date to maintain coverage.
Know the Deductibles
Understand the applicable co-pay and deductible amount. If applicable, you will have to pay it before your claim is settled. Simply put, you need to pay the deductible amount before we start covering any of your medical costs. Co-pay is the amount you need to pay for each claim before we cover the rest of the medical costs.
Common Reasons for Claim Rejection (and How to Avoid Them)
Understanding why claims get rejected can help you avoid common mistakes and ensure a smooth payout when you need it most. Here are some key reasons:
Tip: Read the policy terms carefully and keep your insurer informed of any health changes.
How IndusInd Critical Illness Cover Helped in Real Life
When Priya, a 42-year-old architect from Chennai, was diagnosed with early-stage breast cancer, her world turned upside down. As the primary earner in her family, the diagnosis not only affected her health but also threatened her financial stability. She had to take an extended break from work for treatment and recovery.
Thankfully, Priya had purchased an IndusInd Critical Illness Insurance policy just two years earlier. Within days of submitting her medical documents, she received the full lump sum payout of ₹15 lakh. This amount covered her surgery, chemotherapy, follow-up care, and helped her manage rent, school fees, and EMIs during her recovery.
Without the pressure of immediate financial stress, Priya could fully focus on getting better. Today, she is back at work and encourages others to invest in critical illness cover early, before life throws the unexpected at them.
Her story is a reminder that the right insurance does not just pay bills, it protects your future.
Key Takeaways
The IndusInd Critical Illness Policy (formerly Reliance Critical Illness Insurance) is a single-member coverage plan designed to provide specialised coverage against critical illnesses. It offers a lump sum payout to help you cover treatment and recovery costs. You can also use your payment to get second opinions on your diagnosis or to help manage living expenses later in the later stages of the illness.
Our plan covers 10 critical illnesses like cancer, stroke, organ transplant, open heart surgery, kidney failure, coma, and more. You receive an immediate payout of up to ₹10 lakh, cumulative discounts of up to 50%, and 50% reimbursement for pre-policy medical check-ups if you’re over 45 years old.
IndusInd Critical Illness Insurance (formerly Reliance Critical Illness Insurance) ensures that you are financially covered when you need it most.
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