• Pay off mortgage or rent
  • Pay off loans and other debts
  • Restore lost income
  • Monthly living expenses
  • Healthcare Expenses
  • Treatment overseas
  • Protect your family's lifestyle
  • At Home Care (Nurse)
  • Renovation or modification to your home or vehicle
  • Protection of Retirement Savings
  • Major Cancer
  • Heart Attack (may or may not result in a payout)
  • Stroke with a permanent neurological disorder
  • A coronary artery by-pass, or open-heart surgery
  • End-stage kidney failure
  • End-stage lung disease
  • End-stage liver failure
  • Coma
  • Permanent loss of speech
  • Major Burns
  • Major organ or bone marrow transplant
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Idiopathic Parkinson’s Disease
  • Alzheimer’s Disease / Severe Dementia
  • Primary Pulmonary Hypertension
  • HIV Due to Blood Transfusion & Occupationally Acquired HIV
  • Benign Brain Tumour
  • Encephalitis
  • Severe Bacterial Meningitis
  • Blindness
  • Paralysis
  • Terminal Illness
CRITICAL ILLNESS INSURANCE DISABILITY INSURANCE
1. Benefit is paid at the diagnose of a covered critical condition 1. Benefit is paid when you are unable to work due to injury or illness
2. Tax–free lump sum benefit 2. Monthly Income replacement benefit
3. One-time payment 3. Regular monthly payments
4. Coverage for life is available in some policies 4. Coverage usually ends at age 65
5. Payout usually after 30 days waiting period 5. It varies depending upon your coverage
6. Critical Illness insurance is stackable 6. Disability insurance is not as benefits are integrated
7. Only pre-specified life threatening critical illnesses are covered 7. Any illness or injury that leads to loss of income are covered
8. Available to anyone willing to get a coverage 8. Available to Only Employed people