WHAT IS CRITICAL ILLNESS INSURANCE? By Dr. Chandrakantha Bhat

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[@foreverkaos]

Beautifully explained. Thank you

[@raghavendranaidu9179]

Fantastic Explanation sir. Tku iam clear how to buy critical illness insurance.

[@praveenstomp2471]

A very good video sir 👍👍

[@NRIMoneyClinic]

Thank you very much for your kind words

[@japneetsingh8930]

Thanks Sir. Can you please suggest if there is any critical illness plan that pays on minor / early stages of critical illness?

[@Santhosh-ef7hm]

Sir, Can u please explain on the critical illness comparing with foreign critical illness plan

[@certified4mahtab]

Good Day Sir, If we have a term insurance with sublimit ad critical illness. And if we claim the critical illness, the do we need to pay further premium or stop the policy.? Will it effect the primary term insurance?

[@Asleep_Beat]

I too have this question, did you find any answer?

[@jaingourav412]

Should Rajasthan Govt employee buy health insurance and critical illnesses??? Govt insurance policy is not very much clear and one trust factor also come what will cover and what not???🙏🙏🙏

[@sanjaykumar-uc4fu]

Critical illness insurance should take as a rider with term insurance or should take separately??

[@NRIMoneyClinic]

Take it as a sublimit/ rider

[@raghavendranaidu9179]

@@NRIMoneyClinicsir iam evaluating HDFC and max life for term insurance and rider critical insurance.... Hdfc has sublimit for critical insurance but max insurer must decide the fixed amount for critical insurance and pay premium accordingly. Iam in dilemma as max life premium is less and I can adjust it by reducing the critical insured.amount to min 2% of my annual salary. Your view please will help me a lot to choose right term insurance.

[@sachinjadhav2694]

Hello, There is query about Critical illness rider benefit That, in the list of critical illness, paralysis is covered with below condition Paralysis : (condition is as under ) Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months. Query: If insured suffered from paralysis (e.g. Hemiplegia I.e. one hand and one leg get paralised), but within 3 month after treatment as well as physiotherapy if he can able to move his leg only but unable to walk properly, then In this case what medical practitioners will say - its a hope of recovery or no hope of recovery ? In this scenario is insured person can eligible to get benefit of critical insurance policy or it will be treated as partly recovered or may be recover in future and will not be eligible for benefit

[@NRIMoneyClinic]

Your question appears to be more hypothetical than real . Medical terminologies used will not be like what you have written . Most likely the claim in such a circumstances will get paid without much difficulty.. however other things need to considered which is situational. As long as claim is genuine , companies will mostly pay out such claims . If you have a specific issue , send it on my WhatsApp [phone]. Please subscribe and share vidros

[@sachinjadhav2694]

@@NRIMoneyClinic Thank you Sir. But I was asked because term says total and irreversible loss with no hopes of recovery. I thought this is different scenario hence I think to ask this question. But I don't realise that this is hypothetical. So sorry.

[@sachinjadhav2694]

Which critical illness rider is best hdfc life or max life ? Hdfc life cover 19 illness while max life covers 40. Hdfc has constant premium for cl rider while max have increasable premium for cl rider. Also max life is accelerated, but cover angioplasty which hdfc not covered. So there is little confusion about what to choose. Will be very thankful if you could guide.

[@NRIMoneyClinic]

Dear Sachin, It is not correct for me to suggest it from distance without understanding your requirements . The answer lies in your description itself

[@abiosadibus6523]

I am cancer patient and I want to get Critical illness insurance. If something happen to me will my family can get lum sum?

[@NRIMoneyClinic]

Very sorry to hear this. Will pray for your speedy recovery. Unfortunately insurance is not available at this stage. This is the only thing in the world which is not available when you need it the most . You need to buy it when you don't need it. Atleast encourage other members of family and friends to buy it now . God bless

[@bidhan0001]

Which companies are providing these insurance?

[@NRIMoneyClinic]

All most all companies across globe , very few exceptions could bd there

[@bidhan0001]

@@NRIMoneyClinic Thank you Sir for responding. Any suggestion which one to buy in India?

[@mshanafi]

I couldnt find a single insurance company in the UAE offering guaranteed premium for critical illness. All are offering reviewable ones every 1-5 years. Please advice if there is any insurance company in Dubai offering fixed premium for critical illness .