Critical illness rider: In sickness and in health

BATTLING A TERMINAL illness or a chronic disease is a traumatic experience for patients and the people closely associated to them.

- ALOK RUNGTA

Often, an ailment of such kind could temporarily affect their income earning capacity, adding to their financial stress. Still, many individuals defer buying protection, assuming that the risks are low or that they can always take it up at a later stage.What makes this especially concerning is that noncommunicable diseases often strike individuals during their prime earning years, disrupting livelihoods, household stability, and long-term financial plans. It is thus important to put in place a financial safety net that can safeguard the patient’s financial commitments or help them return to their earlier lifestyle, allowing them to focus fully on recovery with peace of mind.