Lump sum payout upon diagnosis of covered critical illness, regardless of actual medical expenses. Full sum insured payment for major critical illnesses like cancer, heart attack, and organ failure. Partial payouts for early-stage critical illnesses allowing continued coverage. Additional payout for recurrence of same or different critical illness after recovery. Waiver of premium benefit where future premiums are waived upon critical illness diagnosis. Increasing cover option where sum insured increases annually to counter medical inflation.

Return of premium option where premiums are returned if no claim is made. Additional survival period benefit if the insured survives beyond specified period. Child critical illness cover as add-on benefit. Second opinion benefit covering consultation costs with specialists. Hospital cash benefit providing daily allowance during hospitalization. Transportation benefit covering ambulance and travel expenses for treatment.

Early stage coverage for minor critical conditions with partial payouts (10-25% of sum insured). Coverage for carcinoma-in-situ, early-stage prostate cancer, and early-stage thyroid cancer. Protection for minor heart conditions like coronary angioplasty. Coverage for early-stage neurological conditions and minor organ involvement. Intermediate stage coverage for moderate critical conditions with significant payouts (50-75% of sum insured). Advanced stage coverage for major critical illnesses with full sum insured payout.

Progressive coverage where policy continues after early-stage payout. Multiple claim option for different critical illnesses at different stages. No reduction in sum insured after early or intermediate stage payouts. Special waiting periods for different stages of critical illnesses. Coverage for pre-existing conditions after specified waiting periods. Special provisions for genetic testing and advanced diagnostic procedures.

Second medical opinion service from panel of specialist doctors worldwide. Medical case management assisting with treatment planning and coordination. Hospitalization assistance for admission to network hospitals. Emergency medical evacuation and repatriation services. Psychological counseling and mental health support services. Rehabilitation services including physiotherapy and occupational therapy.

Nutrition counseling and dietary planning services. Home nursing care coordination for post-treatment recovery. Medical equipment rental assistance for home care. Transportation services for medical appointments. Child care assistance during treatment period. Legal and financial advisory services for estate planning.

Simplified claim process with minimal documentation requirements. 24/7 claim registration through toll-free number and online portal. Quick claim settlement with most critical illness claims processed within 10-15 working days. Digital claim submission with medical reports upload facility. Dedicated critical illness claim specialists for personalized assistance. Direct communication with treating doctors for medical verification.

Emergency claim processing for life-threatening conditions. Home visit for claim documentation collection for bedridden patients. Medical board review for complex critical illness cases. Transparent claim status tracking with regular updates. Grievance redressal mechanism with senior management escalation. Rehabilitation support coordination after claim settlement.

24/7 customer support through dedicated critical care helpline. Multi-lingual support and special assistance for critically ill patients. Medical coordination services with hospitals and specialists. Emotional support and counseling services for patients and families. Policy renewal reminders with continued coverage assurance. Health awareness programs and preventive care guidance.

Digital policy management through mobile app and customer portal. Instant policy document access and critical illness certificates. Proactive health alerts and early detection reminders. Medical research updates on critical illness treatments. Family support services during treatment period. Community support groups and patient networks.