Critical Illness Insurance

Most plans include heart attack, stroke, cancer , and may extend to organ transplant, kidney failure, paralysis, and more depending on policy specifics.

Coverage begins on your policy’s effective date , and the diagnosis must occur after that date to qualify for benefits.

Yes—many policies require you to survive a short period (commonly 14 to 30 days) after diagnosis and may include an initial waiting period (e.g., 30 days) before first eligibility.

After diagnosis and claim approval, you’ll receive a lump-sum payment directly—usually within 7–10 business days .

It depends. Some policies are fully underwritten with medical questions or exams, while guaranteed-issue plans require none, though may have limited benefits.

Pre-existing conditions are typically excluded , meaning diagnoses before your effective date aren’t covered. In some cases, if cancer was in remission, coverage may resume.

Yes—many plans allow you to include your spouse and children , often at a percentage of your benefit amount (e.g., 50%).

That varies—but a common guideline is to choose a benefit that covers 6–12 months of income , or enough to manage major medical and living expenses.

Medical insurance may leave gaps like deductibles, copays, out-of-network costs , or non-medical expenses (e.g., child care, travel). This policy helps reduce financial pressure during recovery so you can focus on healing.