Insurance
Critical Illness Cover Recommender
Not everyone needs critical illness cover. Whether YOU do depends on risk factors most agents skip discussing.
Your numbers
₹
years
₹
Your result
Probably not necessary
Based on your inputs, your need score is 2 out of 8. Probably not necessary. If you take a critical illness rider or standalone CI plan, size it at ₹45 lakh (roughly 3x annual income, to cover both treatment and lost earnings during 1-2 years of recovery).
- Need score
- 2 / 8
- Recommendation
- Probably not necessary
- If buying, target cover
- ₹45 lakh
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Make sure your base health cover is right first
Critical illness only makes sense AFTER you have adequate base health insurance. Run that calc first.
Open it
Critical illness vs base health insurance
- Base health insurance: pays the hospital directly for treatment. Reimburses bills against actuals up to the policy limit.
- Critical illness: pays a fixed lumpsum on diagnosis of one of the listed conditions, regardless of actual hospital bill. Once paid, the policy ends.
If you do buy, here is how
- Rider on term life policy: cheapest path. Adds ₹2,000-5,000/year to a term policy premium.
- Standalone CI policy: more expensive (₹8,000-20,000/year for ₹25L cover) but offers broader condition coverage.
- Avoid bundled "insurance + investment" plans that include CI. Same expensive ULIP trap, just with extra disclosure complexity.