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Life-threatening health conditions such as stroke, cancer, paralysis, and heart attacks are categorized as critical illnesses. When you get diagnosed with a critical illness, you need intensive care and constant monitoring which can put pressure on your financial savings. Therefore, you always need the Critical Illness Cover Protection to manage the treatment expenses in such cases.
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Term Plans
A-Max Life Critical Illness provides coverage against several life-threatening ailments such as cancer, heart attacks, stroke, and renal failure. Max Term Insurance plan also offers the benefit of Accelerated Critical Illness (ACI). In Max Life Smart Term Plan, you get the coverage amount based on the cover option selected at the starting phase of buying a policy. The lump-sum amount can be used to pay for hospitalization expenses, medical bills, and surgery expenses. This amount can also be used by your loved ones to take care of their daily expenditures.
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The minimum age at entry to buy the critical illness insurance rider is 18 years whereas the maximum age of attaching critical illness benefit is 65 years. The maximum maturity age under Max Life Critical Illness varies according to the critical illness cover type selected. Both females and males can buy critical illness cover at the same premium rate.
Note: Know what is term insurance first and then buy a term plan for your loved ones.
Under Max Life Smart Term Plan, you can get critical illness cover benefits against the unforeseen diagnosis of up to 64 mentioned critical illnesses. In addition to this, the critical illness plan also offers additional coverage against total and permanent disability.
The Critical Illness Benefit from Max Life Term Plan covers the following 64 critical ailments:
| Critical Illnesses Covered Under Max Term Insurance Plan | |||
| Angioplasty | Early Stage Cancer | Small Bowel Transplant | Cerebrum Shunt Insertion or Brain Aneurysm Surgery |
| Open Chest CABG | Cancer of Specified Severity | Severe Osteoporosis | Myocardial infarction |
| Open Heart Replacement | Stroke results in permanent symptoms | Coma of specified severity | Kidney failure that requires regular dialysis |
| Permanent paralysis of limbs | Bone marrow/major organ transplant | Multiple sclerosis has persistent symptoms | Motor Neuron Disease has permanent symptoms |
| Deafness | Blindness | End-Stage Lung Failure | Benign Brain Tumor |
| Major Head Trauma | Loss of Limbs | End-Stage Liver Failure | Loss of Speech |
| Parkinson’s Disease | Alzheimer’s disease | Primary pulmonary Hypertension | Third-degree burns |
| Aplastic Anaemia | Amputation of feet because of diabetes | Apallic Syndrome | Aorta Graft Surgery |
| Bacterial Meningitis | Cardiomyopathy | Brain Surgery | Addison‘s disease |
| Crohn’s Disease | Creutzfeldt-Jacob Disease (CJD) | Dissection of Aorta Aneurysm | Chronic Relapsing Pancreatitis |
| Fulminant Viral Hepatitis | Elephantiasis | Encephalitis | Eisenmenger’s Syndrome |
| Infective Endocarditis | HIV because of Blood transfusion or occupationally acquired HIV | Hemiplegia | Independent Existence loss |
| Muscular Dystrophy | Medullary Cystic Diseases | 1 eye and 1 limb loss | Myasthenia Gravis |
| Necrotising Fasciitis | Pheochromocytoma | Other severe coronary artery diseases | Myelofibrosis |
| Poliomyelitis | Severe Rheumatoid Arthritis | Progressive Supranuclear Palsy | Severe Rheumatoid Arthritis |
| Terminal Illness | Severe Ulcerative Colitis | Tuberculosis Meningitis | Systemic Lupus Erythematosus |
*Note: Firstly know all about terminal illness meaning and then buy the best max term term insurance that provides coverage for 64 critical illnesses.
Max Term Insurance along with a critical illness cover has several benefits to offer which are listed below:
Act as a tool for income replacement
Take care of your medical expenses
Get double tax benefit u/s 80C and 80D of ITA, 1961.
Take additional coverage for major ailments such as heart attack, cancer, organ transplant, stroke, kidney failure, and bypass surgery.
The policyholder can easily opt for a plan online by paying premium amounts in installments.
No minimum survival tenure
The benefit amount payable is equivalent to the critical illness coverage that the life assured has chosen
Here is a simple way to get critical illness covered under Max Life Term Plan:
Step 1: Select the Policy term and Sum assured amount
Step 2: Choose the Critical Illness Benefit Rider
Step 3: After selecting the plan along with critical illness benefit, fill in the personal details and pay the premium amount
Step 4: Fill out the Proposal Form
Step 5: Medical Examination is performed before offering critical illness cover.
Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying the plan.
At the time of an accident, when you suffer dismemberment or injuries, you are not able to return to your job instantly. In such cases, the additional financial support from the critical illness cover helps you recover from any financial difficulty without any worries. On the contrary, a critical illness cover offers you a lump sum amount to support your lifestyle with a critical illness-associated disability. Therefore, you can avail the best possible illness treatment without compromising your savings or health.
*Note: Terminal illness in term insurance provides coverage against a number of terminal illnesses. Therefore, it is important to choose the right benefit when you buy term plan.
You may consider a Max Term Insurance plan with a critical illness rider as it provides coverage to you during difficult times. You may opt for such a plan online to enjoy a high degree of convenience. Buying such a plan offers additional protection and secures the future in case of any unfortunate illness.
Note: Check out the best term insurance plan in India and choose one that suits your requirements.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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