Introduction
Critical illness insurance ek special type ka insurance plan hota hai jo serious aur life-threatening diseases ke liye financial protection provide karta hai. Aisi bimaariyon ka treatment mehenga hota hai, isliye ye insurance bahut important hota hai.
What is Critical Illness Insurance?
Critical illness insurance ek policy hoti hai jisme agar policy holder ko koi serious disease (jaise cancer, heart attack, stroke, etc.) diagnose hoti hai, to insurance company ek lump sum amount provide karti hai, chahe actual medical expenses kuch bhi ho.
Diseases Covered Under Critical Illness Insurance
- Cancer
- Heart attack
- Stroke
- Kidney failure
- Major organ transplant
(Coverage diseases policy ke according vary kar sakti hain)
Features of Critical Illness Insurance
- Lumpsum amount milta hai
- Hospital bills ke alawa bhi expenses cover ho sakte hain
- Regular premium pay karna hota hai
- Health insurance ke saath add-on ke roop mein bhi liya ja sakta hai
Benefits of Critical Illness Insurance
- Mehenga treatment afford karna easy hota hai
- Income loss ke time financial support milta hai
- Recovery period ke expenses manage hote hain
- Stress kam hota hai patient aur family ke liye
Difference Between Health Insurance and Critical Illness Insurance
| Health Insurance | Critical Illness Insurance |
|---|---|
| Hospital bills cover karta hai | Lumpsum amount deta hai |
| Claim actual expenses par based hota hai | Diagnosis par payout hota hai |
| General medical cover | Serious diseases ke liye special cover |
Who Should Buy Critical Illness Insurance?
- Working professionals
- Family ke main earning members
- Log jinke family history mein serious diseases rahi ho
Conclusion
Critical illness insurance ek important financial backup hai jo serious diseases ke dauran financial stability provide karta hai. Ye health insurance ka perfect supplement hai aur future medical risks se protect karta hai.
Agar aap chaho to main isko short note, exam answer, ya English version mein bhi likh sakta hoon 😊📘
