Critical Illness Insurance
Get extra protection for serious health events that can change your finances quickly. We help you understand critical illness insurance clearly, compare plan options, and choose coverage that fits your needs.
Critical illness insurance is often used to help with costs after certain covered diagnoses. We explain what it may cover, how benefits work, and what policy rules matter most.
Covered conditions, waiting periods, exclusions, and benefit rules vary by plan.
The basics of critical illness insurance
Critical illness insurance is supplemental coverage that may pay a lump-sum benefit if you are diagnosed with certain covered conditions, based on the policy terms. Families often use the benefit for medical bills, recovery time, travel for treatment, childcare, household expenses, or income gaps during a difficult period.
Key points
- May pay a lump-sum benefit for certain covered conditions
- Coverage depends on policy definitions and diagnosis rules
- Waiting periods may apply depending on the plan
- Pre-existing condition rules may apply
- Always review exclusions, limitations, and benefit details carefully
Your path at a glance
A simple way to understand critical illness coverage clearly.
Tell us your goal
Share whether you want help with recovery costs, income gaps, family financial support, or peace of mind after a serious diagnosis.
Compare what the plans may cover
We explain how covered conditions, definitions, waiting periods, and exclusions can vary from one plan to another.
Apply with support
We guide you through the application. Some plans may ask health questions and have eligibility rules.
Keep your coverage aligned
Review your coverage over time as your family, work, or financial responsibilities change.
Built for clarity
We explain covered conditions, benefit rules, and policy details in plain language so you can choose confidently.
Choose critical illness coverage in 3 steps
Most people start with these three decisions.
Choose a benefit amount
Common examples may include:
$10,000
$25,000
$50,000
$100,000
The right amount depends on your budget and what kind of financial backup you want.
Review what conditions are covered
Each policy has its own list of covered conditions and its own definitions. We help you compare those details clearly before you decide.
Contact UsCheck waiting periods and policy rules
Before choosing a plan, review:
waiting periods if any
pre-existing condition rules
exclusions and limitations
claim requirements and definitions
Key details to know before you buy
What this plan can help with
People may use the benefit for:
out-of-pocket medical costs
time away from work
travel for treatment
home help and childcare
other household expenses during recovery
What to watch for
only listed conditions are covered
coverage depends on policy definitions
waiting periods may apply
pre-existing condition rules may apply
exclusions and benefit limits matter
Always review the full policy wording, covered condition definitions, waiting periods, exclusions, and limits carefully.
Explore Other Supplemental Plans
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Coverage that may help with certain covered hospital stay costs and related events.
Learn MoreDisability Income Insurance
Coverage that may help replace part of your income if you cannot work, where available.
Learn MoreSupplemental Health Hub
See how different supplemental health plans compare and what they are designed to help with.
Learn MoreFrequently Asked Questions
Want to see if critical illness coverage fits your needs?
Tell us your goal and budget. We’ll explain plan options clearly, compare what matters, and help you choose with confidence.
Schedule a CallEmail us at info@punjabinsurance.com
Clear answers • Simple steps • No pressure