A critical illness policy is a type of insurance that provides a lump-sum cash benefit to the policyholder upon the diagnosis of a specified serious illness or medical condition. These policies typically cover a range of critical illnesses, such as cancer, heart disease, stroke, organ transplant, and more. The policyholder can use the lump-sum payout as they see fit, whether to cover medical expenses not covered by regular health insurance, pay off debts, replace lost income during recovery, or make necessary lifestyle adjustments.

Critical illness policies offer financial protection and peace of mind in the face of significant health challenges. They are designed to provide a financial safety net, ensuring that individuals and their families have the means to cope with the high costs and lifestyle changes that often accompany critical illnesses. These policies vary in terms of the illnesses covered, benefit amounts, and specific terms and conditions, so it's essential to carefully review the policy details and choose one that aligns with your health and financial needs.

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