Critical Illness Insurance

Critical illnesses don’t only strain the body, but finances as well. Even though the medical infrastructure is progressing, with it the medical cost is increasing as well. It’s essential to be prepared for it even when there’s a faint possibility of a diagnosis. A critical illness insurance can come at your rescue by helping you manage the treatment costs of several critical illnesses....Read More

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What is Critical Illness Insurance Cover


A critical illness insurance cover, often referred in laymen language as Critical Illness Insurance, encompasses insurance benefits you receive to deal with life-threatening critical illnesses and various lifestyle diseases. Critical health issues like Cancer, Stroke, and Kidney failure require comprehensive treatment, which can take a toll on your finances are often covered in the Critical Illness Insurance Cover in addition to the base plan which provides a life insurance cover.

According to the World Health Organization (WHO)

Cardiovascular diseases, cancer, stroke, and chronic obstructive pulmonary diseases are significant health ailments in India that require critical illness coverage.

The need for having critical illness insurance cover can be realized from the fact that these illnesses impact vital body parts, such as the brain, lungs, and heart. Because of negligence and lack of pre-emptive health checkups, the diseases continue and later requires comprehensive treatment. With a critical illness insurance cover, you can easily avoid facing any financial burden while getting the necessary treatment.

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Who All Can Buy Critical Illness Insurance Cover?

The minimum entry age to purchase this critical illness and disability insurance rider is 18 years.

While the maximum age of adding critical illness cover is 65 years, the maximum maturity age under Max Life Critical Illness and Disability Rider varies as per the critical illness coverage variant selected.

Both male and female buyers can opt for the critical illness cover at the same premium rates while purchasing base life insurance plan.
In addition to this, a Critical Illness Insurance Cover is ideal for these categories of people:

  1. Those with a History of Critical Illness in Their Family:

    Illnesses do not come with a warning. However, when you have a history of critical illnesses in the family, the possibility of a diagnosis is high. Therefore, consider your family’s medical history when you are buying a basic insurance policy. If you know of any such instance of critical illness, it’s highly recommended that you buy critical illness insurance to ensure maximum financial and health protection if the need arises.

  2. Primary Breadwinners:

    If you are the primary breadwinner of the family, health costs are not the only expenditure that your family expects you to incur. There are tons of expenses your future is full of. Exhausting your savings on the best medical treatment in case of a critical illness is the last thing you need. Therefore, it’s highly suggested that you go for a critical illness insurance to maximize your health cover.

  3. Those Having High-Pressure Jobs:

    Most individuals don’t realize it, but stress is the leading cause of multiple health issues. Stress can cause or aggravate heart issues. Therefore, if you are working a high pressure job that causes you stress, it’s suggested that you consider buying critical illness insurance.

  4. People Over the Age of 40 Years:

    With age, comes health issues. Even when you are in the best of your health, but are over the age of 40 years, you must consider buying a critical illness insurance rider to create a financial net if God forbid the eventuality arises.

What is Term Insurance with Critical Illness Insurance Cover?

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Max Life Insurance offers Critical Illness insurance under Max Life Critical Illness and Disability Rider with various life insurance policies. The benefits under these policies include financial security to your family in case of your unexpected demise, wealth creation, retirement planning, and more.

The Critical Illness Insurance cover provides you financial security against various life-threatening health conditions such as kidney failures, cardiovascular diseases, and cancer. The critical illness insurance cover includes a lump sum payment in case you are diagnosed with a listed illness. This way, you can take care of healthcare and other miscellaneous expenses without draining your savings.

At Max Life Insurance, we understand that your intent behind buying a life insurance policy is to ensure financial protection for yourself and your family. To make you realize the real value of your life, we always suggest maximum protection against all odds and that is one reason why we offer Max Life Critical Illness and Disability Rider (UIN-104B033V01). It is an add-on that you can select with many of our life insurance products to get a comprehensive critical illness cover.

Under this add on to your life insurance plan, you not only get critical illness and disability cover against the unfortunate diagnosis of listed 64 critical illnesses, but It provides additional cover against permanent and total disability.

If you want to safeguard your health the right way, choose this Rider for maximum critical illness coverage.

Why Should You Choose Max Life Insurance's Critical Illness and Disability Cover?


Claims Paid Ratio

64 Critical Illnesses


Disability Covered

Temporary & Permanent

At Max Life Insurance, we understand that your intent behind buying a life insurance policy is to ensure financial protection for yourself and your family. To make you realize the real value of your life, we always suggest maximum protection against all odds and that is one reason why we offer Max Life Critical Illness and Disability Rider (UIN-104B033V01). It is an add-on that you can select with many of our life insurance products to get a comprehensive critical illness cover.

Under this add on to your life insurance plan, you not only get critical illness and disability cover against the unfortunate diagnosis of listed 64 critical illnesses, but It provides additional cover against permanent and total disability.

If you want to safeguard your health the right way, choose this Rider for maximum critical illness coverage.

Benefits of Critical Illness Insurance Plans

Critical illness insurance plans share certain specific benefits that distinguish them from other types of insurance. The following are some of the most prominent benefits of purchasing a critical illness policy:

1. Financial Support in times of need

You can choose a high sum insured level with critical illness plans, ensuring that you are properly covered in the event of a severe illness or advanced treatment. A critical illness coverage protects you against certain illnesses as well as treatments and surgery.

If you are diagnosed with a critical disease covered by the insurance, these policies pay you the amount insured, and the regularity of the payment depends on the predetermined terms of the critical illness policy. The claim money from critical illness insurance plans can be used to pay for medical bills or other financial commitments.

When a person is diagnosed with a life-threatening or complicated disease, the financial impact can be quite massive on the individual and their family members. Rather than focusing on recovery, such circumstances lead to financial burdens leaving the family dependent on other resources. This can exacerbate your health problems.

However, if you are covered under a critical illness policy, you can focus completely on the quality of treatment and rehabilitation rather than worrying about the financial aspect of the disease.

2. Numerous Critical Illnesses Covered

A list of critical illnesses is covered by a critical illness policy. Since the critical illness list differs per insurer and the policy, you should examine the policy to see how many and what types of illnesses it covers.

3. Acts as Income Substitute

In case of being diagnosed with a critical illness, it is possible that your health condition doesn’t allow you to continue working. In such a situation, the livelihood of your family might be endangered.

However, if you have adequate coverage under a critical illness policy, you can claim the sum insured and use it to pay for treatment and living expenses. This is especially a relief for policy buyers who are the sole breadwinners of their family.

4. Additional Support On Top On Health Insurance

A critical illness policy is separate from any other health insurance coverage you may have. Even if you already have a health plan covering your sickness, the critical illness coverage would pay a claim if you got sick.

In the event of a critical illness, critical illness insurance can be used to enhance an existing health insurance plan. This way, you will have ample coverage and funds to manage medical and living expenses.

5. Funding for Expensive Treatments

Treatments for critical illnesses can be quite heavy on your pocket. Hence, there is a need for a specific insurance plan such as critical illness insurance that pays for the expensive treatment where standard health insurance may be insufficient.

6. Affordable Premiums

For the many benefits and the peace of mind that critical illness insurance offers, investing in such insurance is a smart idea. Besides, you will find that critical illness insurance comes with affordable premiums, so that you ensure protection for your health, without burning a hole in your pocket.

7.Tax Advantages4

Section 80D of the Income Tax Act of 1961 allows you to deduct the premiums you pay for critical illness policy.

Key features of Max Life Critical Illness and Disability Rider

Investing money in Max Life Critical Illness and Disability Rider UIN(104B033V01) will always be a good financial planning call as it will mitigate the financial risk on battling many serious diseases. This critical illness insurance rider comes with the following features:

Comprehensive Critical Illness Cover

The critical illness coverage under this Rider spans over 64 Critical Illnesses depending on the variant you select

Flexible Payment Option

You can get critical illness cover under this Rider by paying premiums throughout the policy tenure (regular pay) or a specific number of years only (limited pay)

Critical Illness Coverage for an Extended Period

One of the significant benefits of opting for critical illness cover under this Rider is its extended coverage period. Get coverage for yourself or your loved ones upto age 85 years for 2 variants.

Total and Permanent Disability Cover

You can also get insurance coverage for Total and Permanent disability under specified variant of this critical illness insurance rider

Max Fit Program

You also get a Wellness benefit under this critical illness and disability insurance rider to ensure good health and lesser renewal premiums. All you have to do is to walk/run and you will be eligible for a discounted renewal premium based on the number of steps monitored and number of healthy weeks accumulated on Max fit app

Variants of Max Life Critical Illness and Disability Rider

Given below are the variants of this critical illness benefit rider to choose from


Complete Personalization basis your risk appetite.

Choose between 10 fund options and 5 investment strategies to ensure optimal returns on your investment, under this ULIP.


Gold variant

critical illness cover for 22 CI (one minor and 21 major critical illnesses)


Gold Plus variant

critical illness coverage of Gold variant along with Total and Permanent Disability (TPD cover)


Platinum variant

critical illness cover for 64 CI (five minor and fifty-nine major critical diseases)


Platinum Plus variant

a combination of Platinum variant critical illness cover and TPD cover.


TPD variant

Critical Illness Benefit on the occurrence of the listed conditions arising as the result of sickness, disease or bodily injury

How to Buy Critical Illness Cover?

Here is a quick way to get critical illness cover under Max Life Critical Illness and Disability Rider:

  • Step One

    Select base the policy term and sum assured

    The first step to getting critical illness cover is to use the online life insurance calculator to calculate the premium for the desired sum assured and tenure of one of our life insurance products.

  • Step Two

    Choose the Critical Illness Benefit Rider

    The next step will be to choose Max Life Critical Illness and Disability rider for critical illness cover, over and above the base cover. The critical illness coverage under this Rider enhances your financial protection in case of unfortunate events such as a disability or being diagnosed with a life-threatening health condition. These optional benefits are available on payment of an additional premium.

  • Step Three

    Payment of Premium

    After selecting the plan along with critical illness cover, proceed to fill personal information and pay the premium*.

  • Step Four

    Fill out the Proposal Form

    Essentially, the proposal form for critical illness cover is a detailed version of your application form, which focuses on the information related to your life, such as your lifestyle habits (such as smoking and drinking) and medical history

  • Step Five

    Medical Tests

    Based on individual life-risk, a medical test may be proposed before offering critical illness coverage. Any such medical evaluation will be conducted after the successful completion of the proposal form and document submission.

How Does the Critical Illness and disability rider Work?

Max Life Critical Illness and Disability Rider (UIN 104B033V01) provide critical illness cover as per the selected variant. It works differently for different variants based on the diagnosis of various major and minor critical illnesses.

Here is how it works to provide critical illness cover in different situations:


Diagnosis Benefit:

When diagnosed with any of the listed critical illness or TPD, the insured can file a claim to get critical illness cover in the following manner:

- For Variant 1 & 3:

The critical illness cover includes an amount of Rs 5 lacs or 25% of the Rider sum assured (whichever is lower) for minor CI conditions covered under the Rider. In case of any major CI or TPD diagnosis, the insured receives 100% of Rider sum assured minus amount paid as minor CI claims if any.

- For Variant 2 & 4:

The critical illness coverage for minor CI conditions under these variants is the same as in the above case. For major CI conditions or TPD occurrence (whichever is earlier), the insured receives 100% of Rider sum assured minus minor CI claim paid if any as critical illness cover.

- For Variant 5:

In case of occurrence of TPD resulting from an illness or accident, the insured receives the Rider Sum assured on a valid TPD claim. This critical illness cover is payable during the rider term provided the Rider is active and in-force.

How to file a claim for critical illness policy?

A claim for critical illness can readily be processed based on a diagnostic report. You must contact your insurance carrier and register your claim if you wish to file a claim for your critical illness policy.

To file a claim under a critical illness insurance plan, you will need the following documents:

  • Completed claim form
  • Photocopy of your identification card and NEFT details / copy of cancelled bank cheque
  • All pre and post hospitalization records
  • All consultation records pertaining to the current diagnosis.
  • All medical tests/ diagnostic reports confirming the diagnosis

Once the information has been verified by the insurance carrier, you will receive the claim pay-out under the critical illness policy as per policy terms and conditions

List of Illnesses Covered in Critical Illness Insurance

At Max Life Insurance, we recommend comprehensive protection against all odds to keep you and your family financially healthy under any circumstances. This is one of the reasons why we provide the Max Life Critical Illness and Disability Rider. It’s a critical illness add-on that you may apply to many of our life insurance policies to gain comprehensive coverage.

Under this add on to your life insurance plan, you can get critical illness and disability cover against the unfortunate diagnosis of up to 64 listed critical illnesses. Additionally, the critical illness policy also provides additional cover against permanent and total disability.

What are the Critical Illness conditions covered under this Critical Illness Benefit rider?

The Accelerated Critical Illness Benefit from Max Life Smart Term Plan covers the following 64 health conditions:

  1. Angioplasty
  2. CiS / Early Stage Cancer
  3. Small Bowel Transplant
  4. Brain Aneurysm Surgery or Cerebral Shunt Insertion
  5. Severe Osteoporosis
  6. Cancer of Specified Severity
  7. Myocardial Infraction (First Heart Attack of Specific Severity)
  8. Open Chest CABG
  9. Open Heart Replacement or Repair of Heart Valves
  10. Coma of Specified Severity
  11. Kidney Failure Requiring Regular Dialysis
  12. Stroke Resulting in Permanent Symptoms
  13. Major Organ /Bone Marrow Transplant
  14. Permanent Paralysis of Limbs
  15. Motor Neuron Disease with Permanent Symptoms
  16. Multiple Sclerosis with Persisting Symptoms
  17. Benign Brain Tumor
  18. Blindness
  19. Deafness
  20. End Stage Lung Failure
  21. End Stage Liver Failure
  22. Loss of Speech
  23. Loss of Limbs
  24. Major Head Trauma
  25. Primary (Idiopathic) Pulmonary Hypertension
  26. Third Degree Burns
  27. Alzheimer's Disease
  28. Parkinson's Disease
  29. Aorta Graft Surgery
  30. Amputation of Feet Due to Complications from Diabetes
  31. Apallic Syndrome
  32. Aplastic Anaemia
  33. Bacterial Meningitis
  34. Brain Surgery
  35. Cardiomyopathy
  36. Chronic Adrenal Insufficiency (Addison's Disease)
  37. Chronic Relapsing Pancreatitis
  38. Creutzfeldt-Jacob Disease (CJD)
  39. Crohn's Disease
  40. Dissecting Aortic Aneurysm
  41. Eisenmenger's Syndrome
  42. Elephantiasis
  43. Encephalitis
  44. Fulminant Viral Hepatitis
  45. Hemiplegia
  46. HIV due to Blood Transfusion/Occupationally Acquired HIV
  47. Infective Endocarditis
  48. Loss of Independent Existence (Cover up to Age 74)
  49. Loss of One Limb and One Eye
  50. Medullary Cystic Disease
  51. Muscular Dystrophy
  52. Myasthenia Gravis
  53. Myelofibrosis
  54. Necrotising Fasciitis
  55. Other Serious Coronary Artery Disease
  56. Pheochromocytoma
  57. Poliomyelitis
  58. Progressive Scleroderma
  59. Progressive Supranuclear Palsy
  60. Severe Rheumatoid Arthritis
  61. Severe Ulcerative Colitis
  62. Systemic Lupus Erythematosus with Lupus Nephritis
  63. Terminal Illness
  64. Tuberculosis Meningitis

What are all documents required at the time of claim?

Claim Form

Duly filled and signed claim form

Medical Certificate

Medical Certificate that confirms that you have been diagnosed with a Critical Illness

Certificate from Medical Practitioner

Certificate from attending Medical Practitioner, which proves that your claim does not relate to any injury or pre-existing illness or any other illness (diagnosed within the first 90 days of purchasing the cover)

Test Reports

Investigation test reports that confirm the diagnosis as stated under the definition of the respective Critical Illnesses; First consultation letter and prescriptions, if any

KYC Documents

KYC documents like identity, age, address proofs etc.

Specific Documents

Detailed documents under the respective Critical Illness


Copy of latest statement to confirm the principal outstanding, in case you have opted for the reducing balance Sum Insured variant of the term plan

Why you should buy Critical Illness and disability rider


In general, the disability and accidental cover and critical illness insurance cover are two separate things. Accidental and disability cover provides a lump sum while you are recovering from an injury sustained in an accident.

When you meet with an accident and suffer injuries or dismemberment, you are not able to return to your job immediately. In this scenario, the additional financial assistance from the accidental and disability cover helps you recover without any stress of not having a paycheck.

On the other hand, a critical illness insurance cover provides you with a lump sum of money to support your lifestyle with a life-threatening health condition or illness-related disability. Thus, you can opt for the best possible treatment for the illness without compromising your health or savings.

Under Max Life Critical Illness and Disability Rider, you can get comprehensive critical illness cover for both these eventualities in life. You need to select the right variants for critical illness cover under this Rider to receive complete financial assistance. This way, you can meet your household expenses and medical care that is not covered under your health insurance plan.

How Important is it to Include Critical Illness Cover?

In India, the number of new cases of cancer and other critical illnesses is steadily increasing. In 2018, the Indian Council of Medical Research's National Institute of Cancer Prevention and Research (ICMR-NICPR) released the India-specific data from Globocan (Global Cancer Observatory).

It was reported that the number of cancer cases in the country has gone up by 15.7 percent since 2012, with a total of 11.57 lakh cancer cases reported in the year.

Globocan reported that there had been a 12.2 percent increase in the total number of cancer-related deaths since 2012, with approximately 7,84,821 people dying from the health condition in 2018.

Moreover, data presented by the Registrar General of India*, WHO (World Health Organisation), and Global Burden of Disease (GBD) shows that cardiovascular diseases (also known as CVD or heart-related health problems) are one of the leading causes of death and disability in the country.

Between 2007 and 2017, while the increase in deaths (across all ages) due to CVD had been 49.8 percent, the increase in mortality rate due to Chronic obstructive pulmonary disease (or COPD), stroke and diabetes have been 39.4 percent, 37.1 percent, and 53.8 percent respectively.

According to the Indian Heart Association^, almost 50% of all heart attacks in Indian men occur below 50 years of age, while men under 40 report 25% of all cases of heart attacks. Also, the male population in the country, between 30 to 74, is at a higher risk of cardiovascular diseases than the female population. While Indian women had a 12.7 percent risk of developing cardiovascular issues, approximately 21.4 percent of the males were at risk.

Overall, the working population in India, between the ages of 30 to 74, is more prone to developing cardiovascular diseases and cancer. Other ailments, such as kidney failure, sclerosis, stroke, or paralysis, present a palpable risk to Indians, thus pressing the need for critical illness cover.

Tax Benefits of Critical Illness & disability Insurance Cover

The premium paid towards critical illness coverage qualifies for deduction under Section 80D of the Income Tax Act, 1961. The following table depicts the tax benefits you can avail on the premium paid towards the critical illness insurance cover:

Premium Paid for Critical Illness Cover for

DescriptionSelf, spouse, and dependent childrenParentsMax Deduction U/S 80D
Everyone is below 60 years of ageRs. 25,000Rs. 25,000Rs. 50,000
When your parents have crossed the age of 60Rs. 25,000Rs. 50,000 (incl. Expenses)Rs. 75,000
You and your parents have passed the age of 60Rs. 25,000Rs. 50,000 (incl. Expenses)Rs. 1,00,000

  • You will need to fill out the following information and make the payment:

    1. Income, education, and profession details
    1. Nominee details
    1. Present Address (where the medical test will be conducted)

You have the option to pay the premium online using net banking, debit or credit card



Paying the premium on time is essential to continue protection under critical illness insurance cover. In case you miss out on the payment of premiums, you can risk forfeiting the plan. While you may not skip paying the premiums willingly, you may be unable to make timely payments in certain situations. For example, if you suffer income loss due to a Critical Illness, accidental dismemberment, or death, you could miss paying the premium and lose out on the insurance coverage. To avoid any such instances, you can opt for the Waiver of Premium Plus Rider (UIN 104B029V03) along with the Critical Illness cover.Under this Rider, all future premium payments will be waived off by the insurance company. Thus, even if you cannot continue paying the premiums, your critical illness cover continues to act as your safety net.

Corporate health plans are not enough to protect you with a critical illness insurance cover. It is because most individuals do not spend their entire lives working with the same employer.

Also, chances are you may change jobs, only to find that your new employer does not offer a health plan or critical illness insurance cover. Similarly, you may start your own business, which would mean that there would be no employer benefits for you.

A medical emergency can occur at any time, and in case you do not have a critical illness insurance cover, you would have to pay for the treatment costs from your pocket.

Max Life Critical Illness and Disability Rider offer critical illness cover for protection against the unfortunate diagnosis of various critical illnesses. The complete range of benefits under its critical illness coverage depends on the chosen variant.

*For the complete list of features and exceptions, please refer to the Critical Illness and Disability rider prospectus.

Buying critical illness insurance cover with our life insurance products is not an expensive affair. The cost depends on the chosen Rider sum assured, age, health condition, and similar other factors

Here is a list of our insurance products available online with which you can add Max Life Critical Illness and Disability Rider to get critical illness cover:

  1. Max Life Online Term Plan Plus
  2. Max Life Smart Term Plan
  3. Max Life Smart Wealth Plan

You can avail this rider on other offline products as well. Please refer to rider prospectus for details.

Being human is more than just what your daily mundane makes it out to be. In the prime years of your lives, you spend time preparing for your career or business. But not everyone plans for what matters the most – health. Unknowingly, you become victim to various lifestyle ailments or critical illnesses. The recent data shows more than 61% of deaths occurred in 2017 because of lifestyle-related non-communicable diseases.

Serious medical disorders are referred to as critical illnesses. A critical sickness refers to a specific serious accident, illness, or medical crisis.

Life insurance and critical illness insurance serve distinct purposes. Critical illness insurance pays out a predetermined sum if the policyholder is diagnosed with a health condition specified in the policy’s conditions, whereas life insurance pays out in case of the policyholder’s untimely demise during the policy period.

Following documents are required for critical illness claim:

  • Duly filed and signed Claim form
  • Medical certificate, which confirms your critical illness diagnosis
  • Certificate from Medical Practitioner that confirms that your claim does not relate to any injury or pre existing illness (diagnosed within the first 90 days of purchasing the cover)
  • Test reports (investigation test reports that confirms your diagnosis
KYC documents
  • Identity proof
  • Address proof
  • Detailed documents under the critical illness
  • Other documents like copy of last statement to check the principal amount outstanding
  • Any additional necessary documents that the insurance provider requests

It is best to consider personal factors such as your monthly expenses, liabilities, cost of treatment, medical history, etc., to determine the adequate amount of critical illness cover you may need.

If you’ve had cancer, you might be able to get Critical Illness Insurance. This, however, will be determined by a number of medical considerations, including the cancer’s intensity and stage, as well as whether or not lymph nodes were involved.

A medical check may be recommended before you can be covered under a critical illness policy, depending on the individual’s life risk. When the proposal form and paperwork have been successfully submitted, any such medical evaluation will take place.

Cancer, Coronary Artery (Bypass) Surgery, Renal Failure, Heart Attack, Major Organ Transplantation, Primary Pulmonary Arterial Hypertension and Multiple Sclerosis are some examples of critical illnesses.

Critical illness insurance is a highly recommended purchase as it offers you a lump-sum amount to manage the health costs in case you are diagnosed with a critical illness. If you are someone who has a history of critical illness in the family or are over the age of 40, buying critical illness insurance is a smart choice.

You should be at least 18 years of age to buy critical illness insurance. You must also have a basic insurance policy, on top of which you can buy the critical illness rider. You would need to pass the medical tests as required by the insurer.

Yes, you would be required to undergo medical tests to enrol yourself for critical illness cover. The medical assessment would be conducted after the successful submission of the documents and proposal form.

The sum insured of critical illness insurance cover depends on your health cover needs. You can access your medical requirements and choose a critical illness insurance cover accordingly.

No, one cannot take multiple claims under Critical Illness Cover. A critical illness rider gives you a lump sum payout, after which the coverage is terminated. You can always consider buying a new cover if you want to continue getting the benefits of the critical illness cover.

ARN: PCP/CI/060922

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