The modern world’s severe pollution, chemical-laden products, and stressful lifestyle have become the harbinger of critical illnesses. New viruses introduced to our ecosystem have created havoc with our already dwindling health, forcing us to rethink our choices and secure our health. A higher number of people have developed critical medical conditions post-pandemic, affecting their ability to work and earn. Here critical illness policy comes to their rescue. A critical illness policy supports those suffering from life-threatening, long-term medical conditions like cancer, paralysis, kidney failure, stroke, and heart ailment.
Anyone and everyone could benefit from the critical illness policy and safeguard themselves from any future occurrences. Let’s find out who is eligible to get a critical illness policy in India.
A person who has not received treatment or diagnosis for critical conditions 48 months prior to purchase of the policy.
A person with certain lifestyle disorders such as high blood sugar, high blood pressure, elevated cholesterol levels, etc.
The minimum entry age to purchase critical illness is 18 years, while the maximum age is 65 years.
Additionally, explore with us who can benefit from the critical illness policy.
People with a family history of critical illness
The risk of developing a critical health condition is higher for people with a history of critical illnesses in their family. Having the support of a critical illness policy would secure them against possible health crises.
Primary breadwinners
Being the sole breadwinner in your family puts a lot of pressure on your finances. In case of illnesses, your family’s financial future could be severely affected, hence getting a critical illness policy is wise.
People into high-pressure jobs
Stress is often the trigger for major health problems like heart conditions. If you are in a high-pressure job and work in a stressful environment then it is advisable to invest in a critical illness cover.
People over the age of 40
People approaching or across the age of 40 are more susceptible to critical illnesses. Even if you are at a peak of health now, you may develop a medical condition as time progresses. Having the safety net of a critical illness policy will secure you from an unexpected future.
In conclusion, critical illness has become a reality in today’s uncertain world. A critical illness policy could act as a financial shield for you if you develop such a condition. Rising medical costs and a concerning lifestyle make it imperative for us all to rethink our future health.
