5 Best Critical Illness Medical Insurance
In South Africa, the rising costs of healthcare and the increasing prevalence of severe health conditions like cancer, heart attacks, and strokes make it essential to have a health insurance plan that includes critical illness cover. In this guide, we will explore the best medical insurance providers in South Africa that offer comprehensive critical illness cover. You will learn:
Critical Illness customer ratings on top 5 Medical Insurance Schemes
This bar chart provides a snapshot of how different health providers stack up across five key areas: An array of care categories includes Quality Care, access points such as Urgent Care Clinic, Price, Online Tools, and Customer Service. The ratings are given in excess of 10 points checkout the scale below.
Here are some key takeaways:
Customer reviews
Analysis of Critical Illness insurers
- ☑️ What critical illness medical insurance is.
- ☑️ Why critical illness cover matters in South Africa.
- ☑️ The 5 best critical illness medical insurance.
- ☑️ The most frequently asked questions on critical illness medical insurance.
Let’s get started on understanding your options for critical illness cover in South Africa.
Understanding Critical Illness Medical Insurance in South Africa
Critical illness health or medical insurance in South Africa is designed to provide financial protection against severe health conditions that can have a significant impact on an individual’s life and finances.
This type of insurance offers a lump-sum payment upon diagnosis of a specified critical illness, helping policyholders cover the high costs associated with treatment, recovery, and other related expenses.
Members who take out this type of cover will have access to the following features:
✅ READ more about the Best Health Insurance under R500
Comprehensive Coverage
Critical illness insurance policies typically cover a wide range of serious conditions, including but not limited to cancer, heart attacks, strokes, major organ transplants, and multiple sclerosis. The exact illnesses covered can vary between providers.
Lump-Sum Payment
Upon diagnosis of a covered critical illness, the insured receives a lump-sum payout. This payment can be used at the policyholder’s discretion, whether for medical treatment, rehabilitation, home modifications, or to cover loss of income during recovery.
Flexibility and Peace of Mind
The financial support provided by critical illness insurance allows individuals to focus on recovery without the added stress of financial burdens. It offers flexibility in terms of how the payout is used, ensuring that the insured can address their specific needs.
Additional Benefits
Some policies may include additional benefits such as counselling services, second medical opinions, and access to wellness programs.
Why critical illness cover matters in South Africa?
In South Africa, the cost of treating critical illnesses can be exorbitant, often exceeding what is covered by standard health insurance or medical aid schemes. Critical illness insurance helps bridge this gap, ensuring that patients can afford the necessary treatments without depleting their savings.
While South Africa has a public healthcare system, it is often overburdened and under-resourced. Private healthcare offers better facilities and quicker access to treatments, but it comes at a high cost. Critical illness insurance makes private healthcare more accessible to those diagnosed with severe illnesses.
Critical care insurance Features
| 🔍Feature | 🏅Old Mutual | 🏅Affinity Health | 🏅Kaelo Health |
| 📕Core Cover | Yes | Yes | Yes |
| 📅Day Care Procedures | Yes | Yes | Yes |
| 🏥Medical Aid Scheme Fees | Yes | Yes | Yes |
| ➕Prescribed Minimum Benefits (PMBs) | Yes | Yes | Yes |
| ➕➕Additional Benefits | Yes | Optional | Optional |
| 💊Chronic Medication | Yes | Optional | Depends on Plan |
| 🪥Dental Cover | Optional | Optional | Optional |
| 👓Optical Cover | Optional | Optional | Optional |
| 👩⚕️Mental Health Cover | Yes | Yes | Depends on Plan |
| 🤰🏻Maternity Benefits | Yes | Yes | Yes |
| ⚕️Alternative Medicine | Limited | Limited | Varies by Plan |
| 🏊♀️Wellness Programs | Yes | Yes | May be available |
| 🔍Other Features | Yes | Yes | Yes |
| 🛜Network Restrictions | Yes | Yes | Yes |
| 🕳️Gap Cover Options | Yes | Yes | May be available |
| 🛋️Waiting Periods | Yes | Yes | Yes |
| ❌Exclusions | Yes (refer to policy documents) | Yes (refer to policy documents) | Yes (refer to policy documents) |
| 🏅 Premium Options | Varies | Varies | Varies |
Finally, a critical illness can lead to a loss of income if the patient is unable to work during treatment and recovery. The lump-sum payout from critical illness insurance can provide financial stability, helping to cover daily living expenses and ensuring that the patient’s family is not at greater financial risk.
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The 5 best critical illness medical insurance
Below, we reveal the 5 best medical insurance providers in South Africa that provide critical illness cover.
Affinity Health
Unique Features
| 🔍Feature | 🥇Affinity Health |
| 🛎️Combined plan | Integrates the benefits of both the Day-to-Day and Hospital plans |
| ⚖️Premiums | Cost R809 to R1,838 per month depending on the plan selection. |
| 🪑Waiting Period | Normally 3 months. A 12-month pre-existing condition waiting period applies. Normally for new members. |
Affordable and comprehensive healthcare solutions are offered by Affinity Health, a prominent health insurance company in South Africa.
Daily healthcare, hospitalization, and critical illness coverage are just a few of the medical needs that Affinity Health plans address, all with an eye towards making health insurance accessible to as many people as possible.
Hospital Plan
The Affinity Health Hospital Plan provides extensive cover for serious illnesses and medical emergencies, including critical illness.
This plan ensures that policyholders have access to private hospitals and a wide range of benefits during hospitalization due to severe health conditions.
The critical illness cover within this plan includes major diseases such as cancer, heart attacks, and strokes, ensuring that patients receive the necessary treatment without the financial strain.
Combined Plan
The Combined Plan from Affinity Health integrates the benefits of both the Day-to-Day and Hospital plans, offering a holistic approach to health coverage. This plan includes critical illness cover, ensuring that policyholders are protected against serious health conditions while also receiving routine medical care.
The Combined Plan provides the financial support needed for treatment and recovery from critical illnesses, covering hospitalization costs and offering additional benefits such as unlimited doctor visits, prescribed acute medication, and access to private hospitals.
By combining day-to-day medical needs with extensive hospital cover, this plan ensures comprehensive healthcare protection for policyholders.
What is the monthly premium for the Affinity Health insurance plans?
Affinity Health plans cost R809 to R1,838 per month, depending on the selection.
What Is the Waiting Period for Affinity Health Insurance Benefits?
The average Affinity Health waiting period for health benefits is three months. A 12-month pre-existing condition waiting period applies. New members may have to wait these periods to claim specific services or conditions.
How to Claim for Affinity Health Insurance Benefits?
- ☑️ Fill out Affinity Health’s online claim form. Include accurate and thorough treatment, service provider, and cost information.
- ☑️ Your claim and supporting papers can be submitted many ways:
Email: Email the completed claim form and scanned copies of all applicable evidence to Affinity Health’s designated email address.
Fax: Send documents to Affinity Health’s fax number.
Physical mail: You can mail the documents to Affinity Health’s address.
Online: Registered users can file some claims immediately through Affinity Health’s online site. - ☑️ Affinity Health’s customer support can be reached by phone or email to trace your claim. They can update you and provide new information.
- ☑️ Affinity Health verifies and evaluates your claim and plan coverage. Claim processing time depends on complexity and information quality.
- ☑️ After processing your claim, Affinity Health will notify you. If approved, they will compensate you through your health insurance. If your claim is denied, they should explain why and how to appeal.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Wide range of cover options to suit different needs and budgets | Monthly costs can vary depending on plan chosen and individual factors |
| Provides cover for a variety of critical illnesses | May have exclusions or limitations on certain critical illnesses |
| Established and reputable insurer in South Africa | Important to carefully review the policy wording before purchasing |
Affinity Health Contact Details
1 Dingler St
Rynfield
Benoni
1514
Clientele Health
Renowned for its cutting-edge and reasonably priced insurance options, Clientèle Health stands out as a leading health insurance company in South Africa.
Unique Features
| 🔍Feature | 🥇Clientele Health |
| 🛎️Standard H.E.L.P Plan | Plan provides up to R200,000 in annual cover for hospitalization due to severe illnesses or accidents. critical illness component of this plan ensures that policyholders receive a lump-sum payout if they are diagnosed with a covered critical illness |
| 📋Premium H.E.L.P Plan | Offers enhanced benefits and higher coverage limits compared to the standard plan |
| ⚖️Premiums | H.E.L.P plans cost R406 to R546 per month depending on plan. |
| 🪑Waiting Period | Accident hospitalisation has no waiting period. Coverage begins immediately. Hospitalisation benefits are not awarded for 3 months after an illness. A 12-month waiting period applies to pre-existing conditions. |
They make sure that policyholders have the money they need in case of medical crises by offering a variety of policies to meet different healthcare needs. Clientèle Health’s critical illness insurance is an important product because it safeguards customers from serious medical emergencies.
Standard H.E.L.P Plan
The Standard H.E.L.P Plan is one of the foundational offerings from Clientèle Health, starting from as little as R320 per month. This plan provides up to R200,000 in annual cover for hospitalization due to severe illnesses or accidents.
The critical illness component of this plan ensures that policyholders receive a lump-sum payout if they are diagnosed with a covered critical illness, helping to ease the financial burden of medical treatment and associated costs.
Premium H.E.L.P Plan
The Premium H.E.L.P Plan offers enhanced benefits and higher coverage limits compared to the standard plan. This plan is designed for those seeking more comprehensive protection against critical illnesses.
It provides higher payouts and additional benefits, making it an attractive option for individuals who want extensive financial security in the event of a serious health issue. The premium plan covers a broader range of illnesses and includes higher annual coverage limits.
What is the monthly premium for the Clientele Health insurance plans?
Clientele Health H.E.L.P plans cost R406 to R546 per month.
What Is the Waiting Period for Clientele Health Insurance Benefits?
Clientèle Health’s H.E.L.P plans have these waiting periods:
- ☑️ Accident hospitalisation has no waiting period. Coverage begins immediately.
- ☑️ Hospitalisation benefits are not awarded for 3 months after an illness.
- ☑️ A 12-month waiting period applies to pre-existing conditions. This includes any conditions the member knew or should have known before joining the plan.
How to Claim for Clientele Health Insurance Benefits
- ☑️ Fill out the Clientèle Health claim form. Fill out all relevant sections accurately to avoid claim delays.
- ☑️ Include all supporting papers with the claim form. Clientèle Health may accept online uploads, email, fax, or mail.
- ☑️ Track your claim after submission. Log into your Clientèle Health account or contact customer service to do this.
- ☑️ Clientèle Health may verify your claim with healthcare professionals or request additional information.
- ☑️ You’ll be contacted after your claim is handled. Payment will follow your health plan if accepted. If denied, you should be informed how to appeal.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Offers affordable plans with varying levels of cover | May have limited coverage for certain critical illnesses compared to other insurers |
| Provides financial assistance during critical illness | Specific policy details and exclusions should be carefully reviewed |
| Focuses on providing essential cover | May not be suitable for individuals with high-risk lifestyles or specific health conditions |
Clientele Health Insurance Contact Details
Clientèle Office Park Corner
Rivonia and Alon Road
Morningside
2196
OnePlan
Unique Features
| 🔍Feature | 🥇OnePlan |
| 🛎️OnePlan Blue Plan | Extensive coverage for both day-to-day medical needs and hospitalization. Critical illness cover, providing up to R315,000 per defined disease per year. |
| 📋OnePlan Professional Plan | "Most comprehensive offering. Extensive coverage for a wide range of healthcare needs. Offering up to R390,000 per defined disease per year." |
| ⚖️Premiums | From R480 for entry-level coverage to R1765 per month for full coverage |
| 🪑Waiting Period | 3-month waiting period Pre-existing conditions require a 12-month waiting period. Accidental injuries can be claimed immediately after your policy begins. |
OnePlan offers critical illness cover as part of its health insurance plans. Specifically, OnePlan provides coverage for dread diseases, which is another term for critical illnesses. This coverage includes up to R315,000 per defined disease per year, with a waiting period of six months for claims related to these illnesses.
OnePlan’s health insurance plans are designed to offer comprehensive protection, including hospital cover, day-to-day medical benefits, and additional services like trauma and assault counselling, and accidental HIV protection.
This makes OnePlan a great option for individuals seeking financial protection against severe health conditions in South Africa.
OnePlan Blue Plan
The OnePlan Blue Plan is designed to offer extensive coverage for both day-to-day medical needs and hospitalisation. This plan includes critical illness cover, providing up to R315,000 per defined disease per year.
In addition to critical illness cover, the plan offers up to R60,000 per insured event for in-hospital illness, and up to R230,000 per insured event for accident cover. The plan also includes benefits for casualty illness and accident, maternity pre-birth, and optometry, making it a well-rounded choice for comprehensive healthcare protection.
OnePlan Professional Plan
The OnePlan Professional Plan is the most comprehensive offering from OnePlan, providing extensive coverage for a wide range of healthcare needs. This plan includes critical illness cover, offering up to R390,000 per defined disease per year.
The plan also covers day-to-day medical expenses with higher annual limits and includes additional services such as accident disability cover and trauma, assault, and accidental HIV protection.
What is the monthly premium for the OnePlan Health insurance plans?
You can pick from R480 for entry-level coverage to R1765 per month for full coverage with OnePlan.
AFFORDABLE MEDICAL INSURANCE
What Is the Waiting Period for OnePlan Health Insurance Benefits?
- ☑️ Most medical services under day-to-day benefits have a 3-month waiting period. Most daily benefits will not be available during the first three months of your policy.
- ☑️ Pre-existing conditions require a 12-month waiting period.
Maternity Benefits: Maternity claims cannot be lodged until after a waiting period, usually 10 months. - ☑️ Accidental injuries can be claimed immediately after your policy begins.
How to Claim for OnePlan Health Insurance Benefits
- ☑️ Install the OnePlan app on your smartphone. The app is essential for policy management and claims.
- ☑️ Enter your credentials on the app to view your policy and claims choices.
- ☑️ Prepare all documentation before submitting your claim. These may contain medical invoices, receipts, and reports.
- ☑️ Submit your claim via app. You must submit claim details and upload documents through the app. The process is simple, with prompts for each step.
- ☑️ OneCard is a unique OnePlan feature. Your card gets preloaded with monies if a claim is authorised. To avoid out-of-pocket medical costs, use the OneCard to pay directly.
- ☑️ The software lets you follow your claim after submission. OnePlan processes claims swiftly and communicates progress via the app.
- ☑️ OnePlan’s app-based customer assistance can help with claim concerns. They can help with any issues.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Offers a range of plans to suit different budgets and needs | Costs can be higher compared to some other providers for comprehensive coverage |
| Provides cover for a wide range of critical illnesses | Specific policy details and exclusions should be carefully reviewed |
| Established insurer with a good reputation | May have waiting periods for certain conditions |
OnePlan Health Insurance Contact Details
163 5th Street Nelson Mandela Square
South Tower 2nd Floor Sandton
Sandown
Johannesburg
2196
Episodic Health
Unique Features
| 🔍Feature | 🥇Episodic Health |
| 🛎️Hospital Plan with Dread Disease Benefit | Can be enhanced with the optional Dread Disease benefit. Substantial coverage for major critical illnesses. R371,000 to cover medical expenses for specific critical illnesses. |
| ⚖️Premiums | Episodic Health offers hospital and day-to-day plans from R186 to R446. |
| 🪑Waiting Period | Accidental injuries are covered from day one of your coverage. Waiting periods for GP consultations and medication are 1–3 months. Pre-existing condition |
Episodic Health is a health insurance provider in South Africa, known for its flexible and customizable insurance plans. Their offerings include hospital plans, day-to-day medical benefits, and optional add-ons that cater to various healthcare needs.
One of the defining features of Episodic Health’s insurance plans is the provision for critical illness cover, referred to as the “Dread Disease” benefit, which provides financial protection against severe health conditions.
Episodic Hospital Plan with Dread Disease Benefit
The Episodic Hospital Plan can be enhanced with the optional Dread Disease benefit, which offers substantial coverage for major critical illnesses. This benefit provides up to R371,000 to cover medical expenses for specific critical illnesses, including heart attacks, chronic coronary heart disease, strokes, cancer, kidney failure, major organ transplants, paraplegia, and total blindness due to illness.
The Dread Disease benefit is available once per member per policy lifetime and requires the Illness Hospitalisation benefit to be included in the plan. This ensures comprehensive coverage for significant medical events that entail high costs.
The Dread Disease benefit has three levels of cover, allowing policyholders to choose the level that best suits their needs and budget.
Level 1 offers up to R196,100, Level 2 up to R265,000, and Level 3 up to R371,000. Each level provides financial support for the treatment of critical illnesses, based on the severity of the illness as determined by the Standardised Critical Illness Definitions (SCIDEP) staging.
What is the monthly premium for the Episodic Health insurance plans?
Episodic Health offers hospital and day-to-day plans from R186 to R446.
What Is the Waiting Period for Episodic Health Insurance Benefits?
- ☑️ Accidental injuries are covered from day one of your coverage.
- ☑️ Waiting periods for GP consultations and medication are 1–3 months.
- ☑️ For rare or high-risk services like critical illness coverage, the waiting period can be 6–12 months.
- ☑️ Pre-existing condition claims may require a 12- to 24-month waiting period.
How to Claim for Episodic Health Insurance Benefits
- ☑️ Certain treatments, like hospitalization, require Episodic Health pre-authorization. This step is vital because it gets your treatment and charges approved ahead, reducing claims processing delays and securing coverage.
- ☑️ Make sure you get all the medical paperwork after treatment. This contains thorough invoices and medical reports that prove medical treatments and prices.
- ☑️ Download or get the Episodic Health claim form from their website or customer service.
- ☑️ Correctly complete all needed information to avoid delays.
- ☑️ Complete and send Episodic Health the claim form and supporting papers. Send these documents by email, mail, or online portal if accessible.
- ☑️ Episodic Health will process your claim according to your policy. Verifying information, determining claim eligibility, and comparing prices to coverage limits.
- ☑️ Episodic Health notifies you of claim results. If accepted, they will pay the healthcare provider or reimburse you, depending on the claim and plan.
- ☑️ Episodic Health may contact you about your claim or for more information. Respond quickly to queries to expedite your claim.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Affordable Premiums | Limited Comprehensive Coverage |
| Offers low-cost plans under R300, making healthcare more accessible. | Plans may provide limited comprehensive coverage, focusing mainly on episodic or short-term health needs. |
| Coverage for Specific Health Episodes | Limited Chronic Condition Management |
| Designed to cover specific health events or conditions, such as minor injuries or short-term illnesses. | Chronic conditions and long-term care are often not covered, requiring separate plans or out-of-pocket expenses. |
| Quick Access to Basic Care | Restricted Network of Providers |
| Provides prompt access to basic healthcare services for acute episodes. | The provider network may be limited, restricting where you can receive care. |
| Ideal for Young and Healthy Individuals | No Specialist Care |
| Suitable for those who generally have good health but want coverage for unexpected health episodes. | Specialist consultations and treatments may not be included, requiring additional costs. |
| Simple and Transparent Plans | No Hospitalization Coverage |
| Plans are easy to understand and designed for specific health needs. | Hospitalization or extensive treatment is typically not covered under these low-premium plans. |
| Preventive Care Options | Higher Out-of-Pocket Costs for Major Treatments |
| Some plans may include preventive care, such as vaccinations or health check-ups. | You may face significant out-of-pocket expenses for major health issues not covered by the plan. |
| Easy Enrollment Process | Limited Benefits for Ongoing Health Needs |
| Simplified sign-up process, often with minimal paperwork. | Plans may not cover ongoing or long-term health needs, focusing more on immediate care. |
Episodic Health Insurance Contact Details
Office No. S10
The Sanctuary Shopping Centre
Corner de Beers Avenue & Broadway Boulevard, R44
Paardevlei
Somerset West
7130
South Africa
Dis-Chem Health
Unique Features
| 🔍Feature | 🥇Dischem Health |
| 🛎️MyHealth Core plan | Entry-level health insurance plan that covers essential day-to-day medical expenses. Can be enhanced by Medical Emergency Illness Buy-Up option. |
| 📋MyHealth Plus Plan | Comprehensive health insurance offering that includes unlimited access to doctors. Chronic medication for 27 conditions |
| ⚖️Premiums | Monthly plans cost R270 to R649, depending on the plan. |
| 🪑Waiting Period | Accident Cover: Accident claims are covered immediately. Day-to-Day Benefits: 1–3-month waiting period. Hospitalization and Serious Conditions: 6–12 month waiting periods. |
Known for their comprehensive coverage options, Dis-Chem Health plans cater to various healthcare needs, including day-to-day medical expenses, accident cover, and critical illness protection.
Their plans are designed to ensure that policyholders have access to quality healthcare services while also enjoying additional benefits like discounts on health products through the Dis-Chem rewards programme.
Dis-Chem Health leverages the extensive network of Prime Cure, providing access to a wide range of healthcare providers across the country.
MyHealth Core Plan
The MyHealth Core Plan is an entry-level health insurance plan that covers essential day-to-day medical expenses. This plan can be enhanced with the Medical Emergency Illness Buy-Up option, providing additional coverage for medical emergencies due to critical illnesses such as heart attacks, strokes, and acute asthma attacks.
By combining this buy-up option with the MyHealth Core Plan, policyholders can enjoy comprehensive protection against major health events.
MyHealth Plus Plan
The MyHealth Plus Plan is a more comprehensive health insurance offering that includes unlimited access to doctors and specialist visits, chronic medication for 27 conditions, and various other healthcare benefits.
This plan can also be paired with the Medical Emergency Illness Buy-Up option, further enhancing the coverage to include critical illnesses.
What is the monthly premium for the Dis-Chem Health insurance plans?
Monthly plans cost R270 to R649, depending on the plan.
What Is the Waiting Period for Dis-Chem Health Insurance Benefits?
Dis-Chem Health insurance waiting periods vary by coverage and plan. General parameters for popular benefits include:
- ☑️ Accident Cover: Accident claims are covered immediately.
- ☑️ Day-to-Day Benefits: GP appointments, medicines, and basic dental treatment normally have a 1–3-month waiting time.
- ☑️ Hospitalisation and Serious Conditions: Hospitalisation and critical condition or surgery coverage may require 6–12 month waiting periods.
How to Claim for Dis-Chem Health Insurance Benefits
- ☑️ Complete the Dis-Chem Health claim form. This form is available at Dis-Chem Health locations or online. Verify all details to avoid delays.
- ☑️ Complete and submit your claim form with supporting papers. Claims can be submitted via email, mail, or branch, depending on Dis-Chem Health’s recommendation.
- ☑️ After receiving your claim, Dis-Chem Health will manage it according your insurance. To ensure accuracy, verify the claim details and accompanying papers.
- ☑️ Dis-Chem Health will notify you of the claim. They will reimburse the healthcare provider promptly or refund your out-of-pocket expenses after examining your claim.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Affordable plans with varying levels of cover | May have limited coverage for certain critical illnesses compared to other insurers |
| Convenient access to Dis-Chem pharmacies | Specific policy details and exclusions should be carefully reviewed |
| Offers additional benefits like discounts on medication | May not be suitable for individuals with high-risk lifestyles or specific health conditions |
Dis-Chem Health Insurance Contact Details
Building A 2nd Floor
52 Corlett Dr
Illovo
Sandton
2196
Affordable private Day-to-Day Insurance options & Accident Cover options for you and your family.
Frequently Asked Questions
What does critical illness cover and why is it important?
Critical illness cover is a type of health insurance that provides a lump-sum payment upon the diagnosis of a specified critical illness. This financial support can be used for medical treatment, recovery expenses, or any other needs the policyholder may have.
The importance of critical illness cover lies in its ability to alleviate the financial burden associated with severe health conditions, allowing policyholders to focus on recovery without the added stress of medical bills and loss of income.
Which critical illnesses are typically covered by health insurance providers in South Africa?
The specific critical illnesses covered can vary between providers, but commonly included conditions are cancer, heart attack, stroke, major organ transplants, kidney failure, chronic coronary heart disease, paraplegia, and total blindness due to illness. Some providers may offer additional coverage for other serious conditions.
Are there any waiting periods before I can claim critical illness benefits?
Yes, most health insurance providers enforce a waiting period before critical illness benefits can be claimed. This waiting period can range from a few months to a year, depending on the policy. For instance, Episodic Health has a 12-month waiting period for their Dread Disease benefit, while other providers might have different timelines.
How does the payout work for critical illness cover?
Upon diagnosis of a covered critical illness, the insured person receives a lump-sum payout. This amount is predetermined based on the policy and can be used at the policyholder’s discretion. The payout is meant to cover medical expenses, lifestyle adjustments, and any other financial needs during the treatment and recovery period.
Can I add critical illness cover to my existing health insurance plan?
Many health insurance providers offer critical illness cover as an add-on to their existing plans. For example, Dis-Chem Health offers the Medical Emergency Illness Buy-Up option, which can be added to their Accident Cover plans. This flexibility allows policyholders to enhance their coverage based on their individual needs and budget.
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