Health Insurance

Health policy refers to decisions, plans, and actions that are undertaken to achieve specific health care goals within a society. An explicit health policy can achieve several things: it defines a vision for the future which in turn helps to establish targets and points of reference for the short and medium term. It outlines priorities and the expected roles of different groups; and it builds consensus and informs people. Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons.

Critical Illness Insurance

Critical illness insurance policy covers the insured against life-threatening critical illnesses such as cancer, heart attack, renal failure etc. This Insurance policy provides coverage in the form of a lump sum at the time of diagnosis of a covered illness.


  • Have you ever thought about how your life would change if you were diagnosed with a life threatening illness? Or had a stroke at work today?
  • Who would take care of your kids?
  • How would you feel having to tap into your savings or your child's school funds to pay for the bills and pay for your treatment ?
  • What if you were diagnosed with Cancer today, or had a heart attack tonight?
  • Where would the money come from to receive treatment?
  • Tend to your household / family activities?
  • How would you supplement your income because you cannot work?

37 Critical Illnesses that are covered

  • Cancer
  • Kidney Failure
  • COMA
  • Major Burns
  • Brain Surgery
  • Blindness
  • Major Burns
  • Goodpasture’s Syndrome
  • Deafness
  • Total Loss of Speech
  • Major Head Trauma
  • Apallic Syndrome
  • Aplastic Anaemia
  • Systemic Lupus Erythematosis
  • Bacterial Meningitis
  • Multiple System Atrophy
  • Progressive Scleroderma
  • Open Chest CABG
  • Major Organ/Bone Marrow Transplant
  • Encephalitis
  • Blindness
  • Aorta Graft Surgery
  • Open Heart Replacement or Repair of Heart Valve
  • Pneumonectomy
  • Pulmonary Artery Graft Surgery
  • Primary Parkinson’s Disease
  • Alzheimer’s Disease
  • Motor Neuron Disease with Permanent Symptoms
  • Stroke resulting in Permanent Symptoms
  • Permanent Paralysis of Limbs
  • Primary Pulmonary Arterial Hypertension
  • Benign Brain Tumour [resulting in permanent neurological symptoms]
  • Cardiomyopathy
  • End stage Lung Disease
  • Brain Surgery
  • Progressive Supranuclear Palsy
  • Creutzfeldt-Jakob Disease (CJD)