Group Critical Illness
Lump-sum financial support on diagnosis of serious illnesses like cancer, heart attack, and stroke for your group members.
Group Critical Illness
Group Critical Illness Insurance Plan is a group insurance policy that gives financial support if a covered person is diagnosed with a serious illness listed in the policy. Unlike regular health insurance (which pays hospital bills), this plan pays a lump-sum amount when a specified critical illness is diagnosed.
It's usually offered through employers, associations, or as a rider attached to group life or loan insurance plans.
How It Works
From group coverage to claim payout:
Typical Conditions Covered
The exact list and definitions depend on the insurer and chosen plan — some offer basic lists (20–30 illnesses), and others cover extended lists (40+ conditions).
Features & Benefits
One-time lump sum payout
Helps financially after diagnosis, regardless of actual treatment costs.
Affordable for groups
Group plans are generally more affordable than individual critical illness policies.
Flexible use
You can use the benefit for non-medical costs like daily expenses, travel, home care, or income loss.
Part of employee benefits
Companies include this as part of group benefits to enhance employee welfare.
Your Questions,
Answered
"From choosing the right policy to making a claim, we've answered your most common questions."
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What is Group Critical Illness Insurance?
It provides a lump sum benefit to insured members diagnosed with specified critical illnesses covered under the policy.
Who can be covered under this policy?
Employees or members of a group (such as corporates or associations) can be covered.
What illnesses are covered?
Common illnesses include cancer, heart attack, stroke, kidney failure, and major organ transplant, subject to policy terms.
How is the benefit paid?
A fixed lump sum is paid upon diagnosis of a covered illness.
Is hospitalization required to claim?
Not always; diagnosis confirmation as per policy terms is generally sufficient.
Are pre-existing diseases covered?
Coverage may be subject to waiting periods or exclusions.
Can dependents be included?
Yes, in many plans, spouses and children can be covered.
What is the waiting period?
Typically 30–90 days from policy inception, depending on the insurer.
Is this different from health insurance?
Yes, it pays a fixed benefit irrespective of actual medical expenses.
How can a claim be filed?
Submit diagnosis reports and required documents to the insurer through the employer or policy administrator.