Sukoon (Oman) Critical Illness Health Insurance

With Sukoon's critical illness health insurance, you can have peace of mind knowing that you will be shielded against the daunting costs of treating life-altering illnesses. In this article, we will explore the myriad of benefits of Sukoon's critical illness insurance, covering its coverage and features that provide invaluable financial security to policyholders.

So whether you are seeking to bolster your existing health insurance or are in search of standalone protection against critical illnesses, you can certainly benefit from the critical illness health insurance plans of Sukoon Insurance.

Let’s get started!

Critical Illness Defined

Critical illness refers to a severe health condition that can significantly impact a person's life. It can lead to a debilitating effect on one's lifestyle and result in substantial treatment expenses. Additionally, it may cause a loss of income due to the inability to work.

What is Critical Illness Health Insurance?

Critical illness insurance provides extensive financial coverage against life-threatening conditions such as kidney failure, cancer, renal failure, HIV, stroke, heart attack, and so forth.

This type of insurance offers a significant lump sum payout and helps individuals manage the substantial costs of medical and related expenses for these illnesses. With this insurance, you can access high-quality healthcare services without worrying about financial constraints.

Health insurance plans, on the other hand, are designed to cover various medical expenses related to prescribed medications, necessary treatments, specialist consultations, hospitalisation, and more. With these plans, the coverage can be availed either through reimbursement (you pay first and later claim the costs) or direct billing (where the hospital bills your insurer directly and you only pay the relevant excess if any).

Critical illness policies, however, are benefit plans that provide a lump sum payment upon the diagnosis of any specified illness — you can utilise the payout as needed, such as for specific expenses or income replacement.

Reasons to Opt for Critical Illness Cover

Here are a few reasons why opting for critical illness cover might be a good choice -

Covers expensive medical treatments - Critical illnesses such as cancer or HIV can lead to high medical expenses. Having an insurance policy that covers such illnesses can help manage the costs of consultations and hospitalisation.
Recoups loss of income - Dealing with a life-threatening disease often means mounting expenses and a potential loss of income due to being unable to work. Critical illness cover, in such cases, can provide payments to help cope with the loss of income during treatment.
Supports other monthly expenses - With a critical insurance cover, you can manage monthly expenses like loan payments and other liabilities while you focus on your health and recovery.
Provides coverage beyond standard health plans - Critical illness cover goes beyond basic health insurance and offers support for a wide range of disorders and illnesses not covered in regular Mediclaim policies.
Affordable premium payments - Contrary to popular belief, critical illness insurance is now more accessible and affordable due to technological advancements and government regulations.

Just make sure to compare different policies to find the one that suits your requirements and budget the best.

Common Illnesses Covered under Critical Illness Health Insurance

Check out the following list of the illnesses covered under critical illness health insurance -

Heart attack
Traumatic head injury
Parkinson’s disease
Alzheimer’s disease
Certain stages and types of cancer
Major organ transplant
Multiple sclerosis
Stroke
Cardiac arrest

General Exclusions under Critical Illness Health Insurance

The following are the common exclusions under critical illness health insurance -

Cover for conditions due to passive war risk or terrorism
If the critical illness is due to a criminal act
Pre-existing conditions
Refusing arrest or breaking the law
Contracting HIV or AIDS due to any conditions
Any illness occurring within 90 days from the contract's reinstatement or commencement date
Attempted suicide or self-harm, regardless of the mental state
Usage of drugs, narcotics, alcohol, fumes, gas, or poison, whether voluntarily or involuntarily
Involvement in war, civil war, invasion, or any acts related to declared or undeclared wars as part of the armed forces
Exposure to nuclear fusion or fission contamination, or radioactive materials
Engagement in terrorist activities, strikes, civil commotion, riot, murder, or assault
Participation in hazardous sports, professional sports, or risky pursuits, including underwater activities using breathing apparatus
Exclusion of coverage for terrorism or war-related risks

Illnesses Covered under Sukoon Critical Illness Health Insurance

After covering the standard inclusions and exclusions of critical illness health insurance plans, let’s now go through the list of illnesses covered under Sukoon critical illness health insurance -

Cancer
Stroke
Heart Attack (Myocardial Infarction)
Coronary Artery Bypass Surgery
Kidney Failure
Major Organ Transplant

Check Out More About Sukoon Health Insurance Plans

Comprehensive Sukoon Health Insurance with Critical Illness Cover

Tabled below are the top comprehensive Sukoon health insurance plans that cover critical illnesses as well -

Plans	Benefits
Max	Medical Cover - Up to AED 500,000 Pharmacy Limit - Up to the medical cover Network - Signature Network Medcare Maternity Cover - Covered Laboratory Tests - Covered Physician’s Consultation - Covered Inpatient Services - Covered Pre-Existing and Chronic Conditions - Covered up to AED 150,000 per individual per year Newborn Cover Ambulance Benefit Cancer Treatment
Home	Medical Cover - AED 250,000 Pharmacy Limit - Up to the medical cover Network: Signature Network Maternity Cover - Covered Laboratory Tests - Covered Physician’s Consultation - Covered Inpatient Services - Covered Pre-existing and Chronic Conditions - Covered up to AED 150,000 per individual per year
Prime	Medical Cover - AED 5,000,000 Pharmacy Limit - Up to the medical cover Network - Premium Network Maternity Cover - Covered Laboratory Tests - Covered Physician’s Consultations - Covered Pre-existing and Chronic Conditions - Up to AED 150,000 Cancer Treatment - Covered HCV Hepatitis C Virus Infection - Covered
Home Lite	Medical Cover - AED 250,000 Pharmacy Limit - Up to the medical cover Network - Advance Network Maternity Cover - Covered Laboratory Tests - Covered Physician’s Consultations - Covered Pre-existing and Chronic Conditions - Up to AED 150,000 Cancer treatment - Covered Hepatitis A - Covered HCV Hepatitis C Virus Infection - Covered

Things to Consider When Opting for Critical Illness Health Insurance

When considering purchasing critical disease insurance, several factors should be taken into account before making a decision -

Sum Assured - While determining the exact cover can be challenging, experts recommend opting for higher coverage to ease financial burdens during emergencies. Thus, you should consult financial advisors for guidance.
Sub-Limits - Check for sub-limits in the insurance plan, particularly for medical tests and surgeries. Understanding these limits is crucial as they affect the actual coverage for specific expenses.
Type of Insurance Cover - Critical illness cover is generally offered in two forms: standalone policies or as an additional rider with existing health or life cover. Carefully review the policy terms of the plans of each type and check the aspects covered to make a decision accordingly.
Exclusions and Inclusions - Thoroughly check for the diseases covered and charges excluded from the coverage in the insurance policy documents.
Renewal - Consider the policy's renewal tenure and be aware of any maximum age renewal caps. Opting for a plan with lifelong renewals is advantageous.
Age - Insurance plans vary in coverage and costs based on different age groups and health risks. Select a plan that best aligns with your age and health insurance needs.

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Frequently Asked Questions

Ans: This type of insurance covers critical illnesses typically excluded from regular health insurance policies. It offers a lump sum payment to the insured person upon the diagnosis of a covered illness. With most critical illness insurance plans, individuals up to 45 years of age are not required to undergo a medical check-up.

Ans: Crucial factors such as your age, city of residence, lifestyle choices, and annual income play a significant role in determining the suitable coverage that you need.

Ans: In many cases, critical illness is excluded from standard health insurance policies. Even if it is covered, the lump sum payout might not be sufficient to meet the substantial expenses associated with treating such critical conditions. For this reason, it becomes essential to obtain a critical illness insurance plan to safeguard your financial security.