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Critical illness or Mediclaim,[link widoczny dla zalogowanych]
ADITI just spent her Diwali bonus on buying herself a whole new look --new shirts, sunglasses,[link widoczny dla zalogowanych], jeans, shoes the works. When her friend Reema came over to check her out, she exclaimed "Oh haven you bought any Capri pants? They are absolutely critical these days."
Just when you thought you had it all,[link widoczny dla zalogowanych], people have a way of bringing you back on earth by reminding you of something you don have and making you horribly inadequate. For instance you been a good boy and started retirement planning,[link widoczny dla zalogowanych], bought adequate life insurance cover and taken Mediclaim, when someone tells you my God! You don have CI? It absolutely critical these days."
And again you left feeling inadequate,[link widoczny dla zalogowanych]. But for once they may be right. CI is actually critical,[link widoczny dla zalogowanych]. It the Critical Illness cover,[link widoczny dla zalogowanych]. And if you wondering how is that different from Mediclaim then let us tell you,[link widoczny dla zalogowanych].
We spoke to V Rajagopalan,[link widoczny dla zalogowanych], Chief Actuary of ICICI Prudential Life Insurance "Both Mediclaim and CI rider have their right places. While Mediclaim will cover expenses related to treatment and hospitalization, the CI rider will take care of other circumstances not covered under Mediclaim. Mediclaim is generally more comprehensive in the sense that it covers more medical conditions than the CI rider.
However,[link widoczny dla zalogowanych], this cover is restricted to expenses incurred in hospitalization or for treatment. There are other expenses like traveling expenses of the spouse or in case of serious conditions, even loss of pay. While these are not covered under Mediclaim,[link widoczny dla zalogowanych], the CI rider would prove helpful".
Feature Critical Illness Mediclaim Need and requirement
A lump sum meant to compensate loss of pay for a specific time frame,[link widoczny dla zalogowanych], which can be used towards generating regular income or towards repayment of debts when you are out of action and incapable of going to work. Mediclaim will pay for your costs of treatment. It will take care of your pre hospitalization,[link widoczny dla zalogowanych], actual hospitalization and post hospitalization needs. Illnesses covered Certain defined illnesses It is more comprehensive and cover almost all medical conditions Mode of insurance It is an outright payment that compensates you on the basis of a diagnosis report. You need not submit any bills to claim the amount. Mediclaim is a re-imbursement,[link widoczny dla zalogowanych], which compensates you for the exact amount of medical expenditure on production of relevant bills. But the CI rider is a long-term contract and the premium fixed at the time of taking the policy would remain the same throughout the life of the policy. So it would make sense to buy the CI rider at a young age for a long term."
So go out and buy that CI cover and those critical Capris too. But don let anyone tell you that you need anything more than this,[link widoczny dla zalogowanych]. Unless of course Capri go out of style this season and you have to now buy kimono />
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