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Critical illness (Critical Illness Cover) refers to a life-threatening disease. Certain conditions and ailments are fatal to your health. In addition, you might end up spending enormous costs in the form of medical expenses due to the chronic stages of the disease. Being diagnosed with a critical illness will cause a lot of stress mentally, physically, emotionally, and financially to you and your family. As a policyholder, it is crucial to be aware of the…

Suppose you are planning to purchase a comprehensive health insurance scheme for yourself and your family. In that case, there are specific terms and conditions you must go through before making the final decision. One of the essential T&Cs that you as a policy buyer must-read is the list of exclusions in health insurance. To begin with, exclusions are conditions that are not covered by a health insurance policy. This means that you cannot avail…

Pre-existing disease (PED or PEDs) is an essential component of your health insurance policy. The catch here is to understand the implications of pre-existing illnesses and ailments on your healthcare plan and insurance premium. What do we mean by this? Let us decode this point by point. To begin with, PED includes all kinds of illnesses/conditions (except for critical illness) that you as a policy buyer might be suffering from during the time of purchasing…