Edelweiss Tokio Life - CritiCare+ : A white knight in times of need

Dr Roshan Radhakrishnan
As a doctor working with patients who are often in need of urgent surgical care and emergency medical assistance, one of the saddest sights that I often see is that of the loved ones of the patient distraught over the surmounting bills as the days go by inside the hospital. When one factors in that major diseases and procedures often require specialists and tertiary health care, it is easy to understand how big a strain has been thrown upon them in addition to the emotional suffering.

With stress levels rising and the onset of most diseases starting at a younger age, the need for health insurance is a must in today's day and age. The onset of a critical illness can be sudden, shattering the serenity of a home in an instant. Even as doctors work around the clock to heal you, the need for both you and your family to be financially stable during this testing period is essential.

Of the various health insurance schemes available, Edelweiss Tokio Life - CritiCare+ caught my eye for the benefits it provided to patients in their times of need.

The 17 critical illnesses that the scheme focuses on are truly debilitating in nature and sadly, more and more common these days. These include:

  • Heart - Open Chest CABG, First heart attack, Open heart replacement/ repair of heart valves, aortic surgery.
  • Malignant Cancers. 
  • Benign brain tumors.
  • Transplant of major organs - kidney, liver, bone marrow, lung, pancreas, heart.
  • Strokes.
  • Permanent limb paralysis.
  • Comas.
  • Major burns.
  • Total blindness.
  • Motor Neuron diseases.
  • Multiple sclerosis, aplastic anemia, kidney failure requiring regular dialysis.

Other key benefits of Edelweiss Tokio Life - CritiCare+ which makes it worth considering include:
1. Maximum entry age of 65 years.
2. Lump sum benefit on diagnosis of critical illness.
3. One can claim up to three times under the multi-claim option with a waiver on all future premiums after the first claim.
4. Discount available for large sums assured.
5. Sum assured ranging from Rs 5,00,000 to Rs 1,00,00,000.
6. Tax benefits for both premium and claim amount.

The true value of this critical illness insurance comes to the fore when you compare it with some of the policies put out by other life insurance companies in India. Many of the diseases listed above are noted there too but on the exclusion criteria unfortunately, something that the patient and his/her family would be unaware of until it is too late. And sadly, these are the medical ailments that often cause the biggest financial burden, both within the hospital and in the days to come.

Watching a loved one suffer is one of the most heart breaking events in the life of a person. During such times, the added burden of worrying about where to get money to pay for treating them can be overwhelming. Unique schemes like this are a true blessing at such times, helping the family provide the best care without worrying about the monetary aspect by being a life support when they need it most.

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