4. Critical Illness Private Plan
Critical Illness Plans are essential for families and freelancers who want financial protection against serious conditions such as cancer, heart disease, or kidney failure.
These plans provide lump-sum payouts upon diagnosis, helping cover treatment costs, lifestyle adjustments, and income gaps. In 2025, many insurers include options for multiple critical illnesses under a single policy.
Coverage also often includes wellness programs, preventive screenings, and access to specialized care centers. Choosing a plan with a high claim settlement ratio ensures reliability during emergencies, reducing financial stress.
