Critical Illness Insurance in India
Get a Lump Sum Payout When You Need It Most
A sudden diagnosis of a critical illness like cancer, heart disease, or kidney failure doesn’t just impact your health—it can affect your family’s finances, lifestyle, and future. Critical Illness Insurance offers a one-time lump sum payout that helps you manage high treatment costs, income loss, and recovery expenses. BTW IMF helps you choose the right critical illness plan to ensure you’re financially prepared for life’s medical uncertainties.
Fast and Reliable
Service
Service
Customize Policy
End to End Claim
Fast and Reliable
Service
Service
Customize Policy
End to End Claim
Expert Guidance
Expert Guidance
Easy Claim Process
Rising Awareness
Expert Guidance
Easy Claim Process
Rising Awareness
Easy Claim Process
What is Critical Illness Insurance?
Critical Illness Insurance is a fixed-benefit health insurance policy that provides a lump sum amount if the insured person is diagnosed with a serious, life-threatening illness listed in the policy. This payout is made irrespective of actual treatment costs and can be used for any purpose—medical or non-medical.
Unlike standard health insurance that reimburses hospital bills, critical illness insurance gives you complete financial freedom to manage the impact of the illness as you see fit.
Be Prepared for Life’s Medical Shocks
Don’t let a critical illness derail your family’s finances. Get in touch with BTW IMF today to explore Critical Illness Insurance plans tailored to your risk profile, age, and budget—with full claim support and honest advice.
Key Features of Critical Illness Plans
What Illnesses Are Covered?
Benefits of Critical Illness Insurance
Quick Lump Sum
Immediate financial help when you need it most
Income Replacement
Use the funds during recovery or if you can’t work
No Hospital Bills Needed
Claim is diagnosis-based, not bill-based
Affordable Premiums
High cover at reasonable rates
Standalone or Add-On
Buy as a separate policy or attach it to life/health plans
Tax Savings
Premiums eligible for tax deduction under Section 80D
Ready to insure your Critical Illness? Contact us today at BTW IMF
and let us find the best plan for you!
Why Choose BTW IMF?
How Does Critical Illness Insurance Work?
You buy a policy with a sum insured (e.g., ₹10 lakh)
If diagnosed with a listed illness, you file a claim
After completing the survival period (if applicable), the full lump sum is paid
The payout can be used for treatment, household bills, EMIs, or any personal need
Who Should Buy Critical Illness Insurance?
Critical illness insurance is especially important if your lifestyle, debts, or family responsibilities depend heavily on your income.
Frequently Asked Questions (FAQs)
No. Health insurance reimburses treatment bills, while critical illness insurance pays a lump sum upon diagnosis.
Yes. You can use the amount for anything—home care, EMIs, children’s fees, or everyday expenses.
Most policies require you to survive 30 days after diagnosis to receive the benefit.
Yes. Most policies have a 60 to 90-day waiting period from the policy start date before you can make a claim.
Yes, but premiums may be higher and coverage might be limited. It’s best to buy early for wider protection and better pricing.