Page 123 - Ebook health insurance IC27

Sashi Publications

Common conditions covered in critical illness policies
 Cancer
 Coronary artery bypass grafting
 Heart attack
 Kidney failure
 Major organ transplant
 Stroke

Policy available for other diseases
 Alzheimer's disease
 Multiple sclerosis
 Arota surgery
 Benign brain tumour
 Motor neuron disease
 Paralysis

Benefits products

 Earlier only pure indemnity products were offered where the reimbursement was
made upon the actual amount incurred.

 In many diseases due to copayment clauses or deductibles or due to extra expenses
in pre-and post-care the insured had to incur the amount from his pocket.

 In order to take care of these extra expenses benefit policies are being offered.
Under these policies as per the condition full sum assured is paid and no questions
are asked for actual expenses. Since the insured may receive more than the actual
expenses these policies are known as benefit policies.

 A person may take more than two benefit policies and conditions of average are not
applied.

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