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Critical Illness Rider

Times are changing and so is the lifestyle of people. With the changing lifestyle and the environment, it is evident that people are more exposed to the adverse effects of such changes and diseases are no exception. On top of that, the rate of people getting critical illness like cancer, stroke, heart attack etc. are going up. It is hard to find a person who doesn’t know someone who has suffered from some kind of critical illness. Fortunately, with the advancement in the medical field the survival rates for these cases has improved drastically. In the same way the cost of treatment or surgery has increased exponentially. So even if someone is successfully treated, critical illness leaves you and your family in great financial crisis as it may costs you your job and empty the family savings.

Critical illness insurance from Citizen Life offers financial support to pay the costs associated with the life changing critical illnesses. If you are diagnosed with critical illnesses covered under this rider, you will receive a lump sum amount to start your treatment.

Critical illness insurance can help you to:

  • Reduce the financial concerns while you cope with your illness,
  • Replace any reduced or lost income for you and your spouse, who may wish to take time off from work to care for you,
  • Maintain the standard of living,
  • Pay your children’s School or University fees,
  • Bring in additional help at home for you and your family,
  • Consider new medical treatments and medications not covered by private of government health insurance plans.

Brief Description of product:

If policyholder suffers one of the defined critical illness as listed in critical illness list below, sum assured as agreed in the policy will be payable to the life assured.

General Description of Product:

Sum Assured:                                    Rs. 50,000 to Rs 50,00,000

Entry Age:                                           18 years to 55 years

Policy Term:                                       5 years to 25 years

Covered Critical Illnesses:

S. No.  Citizen Critical Care
1 Cancer
2 Kidney Failure
3 Multiple Sclerosis
4 Major Organ/Bone Marrow Transplant
5 Open Heart Replacement
6 Coronary Artery Bypass Graft
7 Permanent Paralysis of Limbs
8 Myocardial Infarction
(Heart Attack of specified severity)
9 Stroke resulting into permanent Neurological Deficit
10 Primary Pulmonary Arterial  Hypertension
11 Aorta Graft Surgery
12 Coma
13 Sickle Cell Anemia
S. No.  Citizen Critical Care Plus
 1 Cancer
2 Kidney Failure
3 Multiple Sclerosis
4 Major Organ/Bone Marrow Transplant
5 Open Heart Replacement
6 Coronary Artery Bypass Graft
7 Permanent Paralysis of Limbs
8 Myocardial Infarction
(Heart Attack of specified severity)
9 Stroke resulting into permanent Neurological Deficit
10 Benign Brain Tumour
11 Alzhemier’s Disease
12 Coma
13 End Stage Liver Failure
14 Parkinson’s Disease
15 Aorta Graft Surgery
16 Third Degree Burns
17 Deafness
18 Loss of Speech
19 Primary Pulmonary Arterial  Hypertension
20 Sickle Cell Anemia

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