Critical Illness Plan
Lump-sum payout on diagnosis of listed critical illnesses.
Understanding Critical Illness Plan.
Critical illness policies pay a one-time lump sum on first diagnosis of a listed illness — cancer, cardiac surgery, stroke, organ failure and others — independent of actual treatment cost.
Critical Illness (CI) payouts fund non-medical recovery costs — loss of income, lifestyle modification, alternative therapies — that mediclaim doesn't cover.
What's actually inside this cover.
- Lump-sum benefit on first diagnosis
- 30+ illnesses typically covered
- Independent of hospitalisation cover
- Defined critical illnesses (cancer, cardiac, stroke, organ failure, etc.)
- Stipulated survival period applies
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Cancer diagnosis triggers ₹25L lump-sum payout used for treatment + lost income.
Cardiac surgery payout funds recovery period.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Have these ready and we can move the same day.
Identity and banking proof, the two measurements insurers underwrite on, nominee details, and an honest medical history. Declaring a condition up front is what keeps a claim payable later.
- Name
- PAN card
- Aadhaar card
- Cancelled cheque
- Height
- Weight
- Nominee name
- Nominee relation
- Nominee date of birth
- Pre-existing disease — if yes, share the discharge summary and other reports
- Any existing health insurance policy — if yes, share the policy copy
Send them across on WhatsApp or email and we will come back with options. If something on the list does not apply to you, tell us and we will work around it.
Is your Critical Illness Plan cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Individual & Family Health.
Cashless hospitalisation cover sized to your medical needs.
One sum insured shared by the entire family — efficient and easy.
Hospitalisation cover designed for parents and senior family members.
Lump-sum cover for accidental death and permanent disability.