Health Insurance 544 views September 14, 2021

Liver Cirrhosis is a late or end-stage liver disease that causes permanent damage to the liver. In 2020, it stood at the 12th position amongst diseases causing maximum deaths worldwide. In India, around 10 lakh new patients are diagnosed with it every year. Since it is a critical illness, a regular health insurance plan will not cover the expenses incurred on its treatment. You will need to purchase a critical illness insurance plan to get covered against the same. You must be wondering about the plans that can cover Liver Cirrhosis. On this page, we will talk about such plans with their features to help you make a better decision.

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Critical Illness Health Insurance Plans that Cover Liver Cirrhosis

As mentioned earlier, policyholders can get coverage against liver cirrhosis with a critical illness insurance plan. Some of the popular plans are Star Criticare Plus, Aegon Life Critical Illness, Care Health Assure Plan, Niva Bupa Criticare, Chola MS Critical Health Insurance Plan.

We have discussed the prominent features of these plans sequentially below. Please check.

Star Criticare Plus Insurance Policy

Star Criticare Plus Insurance Policy comes with the following features for you to take note of –

  • Coverage of 9 specified critical illnesses including end-stage liver disease
  • Lump sum payment on diagnosis of critical illnesses
  • Regular hospitalization cover
  • Non-allopathic treatment cover
  • Coverage until the expiry of the policy
  • Guaranteed lifelong renewals
  • Pre and post-hospitalization expenses cover

Sum Insured Options – INR 2 lakh, INR 3 lakh, INR 4 lakh, INR 5 lakh and INR 10 lakh

Aegon Life Critical Illness Insurance Plan

This plan from Aegon Life Insurance covers you against Liver Cirrhosis and other ailments in exchange for an affordable premium. The below points further increase the confidence of customers seeking this critical illness insurance plan.

  • Protection against 36 life-threatening critical illnesses – Liver Cirrhosis Cancer, Stroke, Organ Failure, Coma, Brain Surgery, Parkinson’s Disease, Heart Attack, etc. up to INR 3 lakh
  • Option to choose from five plans
  • No need to undergo pre-acceptance medical screening
  • Affordable premium starting from INR 153 per year

Sum Insured Options – INR 1 lakh, INR 5 lakh, INR 10 lakh, INR 20 lakh and INR 50 lakh

Care Health Assure Plan

With this health insurance plan, you can get coverage against Liver Cirrhosis and other 19 critical illnesses. Other features of the plan include –

  • Lump sum payment equal to the sum insured during the policy period
  • Personal Accident Cover
  • Child Education benefit up to 10% of the sum insured
  • Multiple Sum Insured options
  • The choice to take a second opinion (in case you are suffering from a critical illness)
  • Everyday care benefit of INR 100 per consultation
  • Free Health check-up once every policy year
  • HIV Cover benefit up to INR 25 lakh

Sum Insured Options – INR 1 lakh to 3 crore

Niva Bupa Criticare Insurance Plan

This Niva Bupa Critical Illness Insurance Plan covers 20 critical illnesses including Liver Cirrhosis. The following features make this plan the most sought-after in the critical insurance segment.

  • Option to choose from 3 cover options – CritiCare, AccidentCare and HospiCash Cover
  • 100% of sum insured cover in case of any accident-related hospitalization
  • Emergency ambulance cover up to INR 2,000 per claim
  • Premium discounts on choosing long policy terms
  • Daily cash allowance for the family on choosing HospiCash cover
  • A 15-day free look period

Sum Insured Options – The sum insured will depend on the chosen variant of the plan.

Criticare Cover – INR 3 lakh to 2 crore

AccidentCare Cover – INR 5 lakh to 5 crore

HospiCash Cover – INR 1,000 to 4,000 per day of hospitalization

Chola MS Critical Health Insurance Plan

The plan offers financial protection against 12 critical illnesses including Liver Cirrhosis. Other exciting features of the plan are shown below. Take a look at them.

  • Flexible plan options – Standard and Advanced
  • Fixed benefit on diagnosis of any of the critical illnesses
  • Lifetime renewal facility
  • Flexible sum insured options
  • Premium starting from INR 812 per annum
  • Emergency ambulance cover up to INR 1,000 per insured per policy year

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