Office critical illness cover: How well does it protect employees and their families?

The distinction matters for how HR teams design the benefit. A fixed benefit CI policy addresses income replacement and non medical costs that a health insurance policy does not cover, e.g. months of lost salary and family support during recovery. An indemnity CI policy addresses treatment cost coverage for critical conditions specifically.
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Story file
- Section
- Health
- First reported by
- The Economic Times
- Reporter
- abhishek bondia
- Published
- Monday, 12 October 2026, 1:00 am IST
- Coverage
- One outlet so far
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