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❤️ Financial Protection Against Critical Illnesses

Critical Illness
Insurance

Get a lump sum payment upon diagnosis of covered critical illnesses. Use the money for treatment, recovery, or any expenses.

Get Free Quote View Covered Diseases
💰Lump Sum Payout
❤️40+ Illnesses
🏥Tax Free
Critical Illness Insurance
1 in 4
Risk of cancer in lifetime
₹15L+
Average cancer treatment cost
30%
Heart disease increase (2024)
40+
Critical illnesses covered

Get Instant Critical Illness Quote

Starting at just ₹200/month* | Lump sum payout up to ₹1 Crore

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Critical Illness Plans

Choose the right coverage amount for your needs

🛡️

Essential CI Plan

₹2,400/year*

Basic coverage for young individuals

  • ✓ ₹10 Lakhs Coverage
  • ✓ 30 Critical Illnesses
  • ✓ 90 Days Survival Period
  • ✓ Lump Sum Payout
View Plan
⭐
Most Popular

Comprehensive CI Plan

₹6,000/year*

Best for family protection

  • ✓ ₹25 Lakhs Coverage
  • ✓ 40 Critical Illnesses
  • ✓ 60 Days Survival Period
  • ✓ Second Opinion Benefit
  • ✓ Annual Health Check-up
Buy Now
💎

Elite CI Plan

₹12,000/year*

Maximum protection with high coverage

  • ✓ ₹1 Crore Coverage
  • ✓ 50 Critical Illnesses
  • ✓ 30 Days Survival Period
  • ✓ Multiple Claim Benefit
  • ✓ Worldwide Coverage
View Plan

Critical Illnesses Covered

Comprehensive coverage for 40+ critical illnesses

❤️
Major Heart Attack
First heart attack of specified severity
🏥
Open Heart Bypass Surgery
Coronary artery bypass grafting
⚕️
Cancer
Malignant cancer of specified severity
💧
Kidney Failure
End stage renal disease
🫀
Organ Transplant
Major organ transplant surgery
🧠
Stroke
Cerebrovascular accident with permanent deficit
🫁
Major Organ Failure
Heart, lung, liver, kidney failure
🧬
Multiple Sclerosis
Neurological disorder
🦽
Paralysis
Loss of muscle function
View Complete List of 40+ Illnesses →

Why Choose SAS Critical Illness Insurance?

💰
Lump Sum Payment
100% sum insured paid on diagnosis
💪
Use Money Flexibly
For treatment, recovery, mortgage, or any expense
✅
Tax Free Payout
Entire payout is tax free
🏥
No Hospitalization Required
Payout on diagnosis, not hospitalization
👨‍⚕️
Second Opinion Service
Free second opinion from top specialists
🌍
Worldwide Coverage
Coverage even if diagnosed abroad

How Critical Illness Insurance Works

1
Choose Your Cover

Select sum insured from ₹10L to ₹1Cr

2
Pay Small Premium

Starting from just ₹200/month

3
Diagnosis of Illness

Get diagnosed with covered critical illness

4
Lump Sum Payout

100% sum insured paid to you

Enhance Your Critical Illness Coverage

Add these valuable riders to your policy

🔄
Multiple Claim Benefit
Claim for multiple different illnesses
👨‍👩‍👧
Family Critical Illness
Cover spouse and children under same plan
💰
Return of Premium
Get all premiums back if no claim
Explore All Riders →

What's Covered & Not Covered

✓What's Included

✓40+ Critical Illnesses covered
✓100% lump sum payment on diagnosis
✓Second opinion from medical experts
✓Tax free payout under Section 10(10D)
✓Annual health check-up benefit

✗What's Not Included

✗Pre-existing conditions (waiting period applies)
✗Illness due to alcohol/drug abuse
✗Self-inflicted injuries or suicide attempts
✗Participation in hazardous activities/sports
✗War, nuclear risks, terrorist activities

Simple Claim Process

Get your lump sum payout quickly with our hassle-free claim process.

  1. 1
    Notify Us
    Call 24/7 helpline or use SAS Guru App
  2. 2
    Submit Medical Reports
    Diagnosis reports & doctor's certificate
  3. 3
    Lump Sum Payout
    Get 100% sum insured within 7 days
📞24/7 Critical Illness Claim Support: +91 9511146113
📄✅

Documents Required

  • ✓ Duly filled claim form
  • ✓ Medical diagnosis reports
  • ✓ Doctor's certificate
  • ✓ Hospital records (if any)
  • ✓ Identity proof
  • ✓ Policy document copy

Health Insurance vs Critical Illness Insurance

Health insurance covers hospitalization expenses. Critical illness insurance pays you a lump sum cash amount on diagnosis. Both are essential for complete financial protection.

🏥
Health Insurance

Pays for hospitalization expenses

💰
Critical Illness Insurance

Pays lump sum cash on diagnosis

Get Combined Quote →
💻❤️

Why Buy Critical Illness Insurance Online?

⚡
Instant Quote
Get quote in seconds
📄
Zero Paperwork
Completely digital
🔒
100% Secure
SSL encryption
📊
Easy Comparison
Compare 25+ insurers
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Frequently Asked Questions about Critical Illness Insurance

Pays a lump sum on diagnosis of covered critical illness. Money can be used for any purpose.

Yes, cancer of specified severity is covered.

30-90 days survival period (industry standard is 90-180 days).

Premiums tax deductible under 80D. Payout is tax-free.

Medical check-up may be required based on age and sum insured.