Critical illness insurance
A critical illness policy pays a fixed lump sum when you are diagnosed with a listed illness such as cancer, heart attack or stroke. You can use the money for treatment, loan payments or lost income.
Earning members of a family
People with a family history of serious illness
Anyone with home or car loans to protect
What is covered
Lump-sum payout on diagnosis of listed illnesses
Cancer, heart attack, stroke, kidney failure and more
Payment regardless of actual hospital bills
What is not covered
Illnesses not on the list
Diagnosis within the initial waiting period
Death within the survival period after diagnosis
Covers and exclusions vary by insurer and plan; the policy wording applies.
Making a claim
How a claim works with Kreeva
01
Tell us early
For planned treatment, a few days ahead; in an emergency, as soon as you can.
02
Cashless approval
The hospital sends the request; we follow it up with the insurer.
03
Bills and reports
We list exactly what to keep for any reimbursement.
04
Settlement
We track the claim until it is paid and explain any deduction.
Critical illness insurance — questions
How is this different from health insurance?
Health insurance pays hospital bills. Critical illness cover pays a fixed amount on diagnosis, which can replace income during a long recovery.
Not sure which plan fits? Ask an advisor.
Free consultation. No obligation to buy.