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Mediclaim and Critical Illness (CI) Policy

The major difference between a mediclaim and a CI policy is that mediclaim will only settle your hospital bills but in case of a CI policy, you receive a lump sum straight away, which can be used for treatment and compensate you for the loss of income to some extent. 

So in mediclaim, when an illness is diagnosed, you are expected to get hospitalize and get treatment, but in the case of CI insurance, the sum assured is paid the moment the illness is diagnosed (typically within 30 to 60 days). 

You are free to get treated anywhere and spend the money as you like. Mediclaim is like reimbursement whereas CI is incentivizing.

 For example, suppose Mr. Kumar buys a Critical Illness policy of a sum insured of Rs 10 lakh and contracts any of the major illnesses specified in the policy. If he informs his insurer he will be paid the entire sum insured of Rs 10 lakh. He can utilize this lump sum money to cover any expense as per his discretion and requirement.

Critical Illness (CI) policies are designed to cover certain critical illnesses, which are normally costly to treat. While different policies cover a wide range of illnesses, the most common are Cancer, Heart Stroke and Paralysis, Coronary Artery Bypass surgery, Major organ transplant (heart, lung, liver, and pancreas) and Kidney failure.

Many insurance player providing Medical Insurance and Critical Illness policies, you can consider Aviva Health Secure critical illness policy, As I have read that this company have some unique features, just check about this on their website.