MoneyLens / Critical illness & accident
Your lump-sum cover, explained.
Sharavathi CritiCare · Sharavathi Health Insurance Ltd
Illustrative
Critical illness policy · Before buying
Quote 15 Oct
Lump sum
₹15,00,000
on one of 12 illnesses
Illnesses covered from
18 Jan 2027
after 90 days, if bought today
Paid
30 days
after a diagnosis, if the person survives
Early stage
25%
the rest stays for later
₹15,00,000 as a lump sum on diagnosis of one of 12 listed illnesses, paid 30 days after it, for ₹11,200 a year. 2 of the illnesses use the insurer's own definitions. It pays a fixed amount, not hospital bills; the insurer decides each claim against the policy's definitions.
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