Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term

Protect Your family’s financial future with Kotak e-Term. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and insurance in one premium. Know more

Kotak e-Invest

Insurance and investment in one plan with Kotak e-Invest. Know more

Kotak Lifetime Income Plan

Retirement years are the golden years of life. Know more


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

4 Reasons Why You Need Critical Illness Cover

Recovering from a severe illness or surgery can be both expensive and time-consuming so it’s very important to have a critical illness covered in your policy.

  • Jul 16, 2018

It is often suggested that one buy a Critical Illness plan at around 40, however buying early still helps as health risks are less and so is the premium. You may be having a health insurance policy which will provide security in case of hospitalisation but having a critical illness cover would safeguard you in case you face a medical crisis.

With the fast-paced life and change in lifestyle, the chances of anyone getting affected due to severe illness has increased drastically. Recovering from a severe illness or a surgery can be both expensive and time consuming.

Here are 4 reasons why it’s important to have a critical illness cover in your policy:

Increase in lifestyle related illnesses
Medical Cost on the rise
Protection against 37 critical illnesses
Lump sum pay-out in case diagnosed with any critical illness

Kotak e-Term

Download Brochure


  • Life Cover till 85 years for Life & Life Secure Option
  • 3 Payout Options
  • Special Rates for Women
  • Option to exit the policy with premium refund at the age of 60*
  • Special Rates for Non-Tobacco Users
  • Free Medical Check Up every 5th year**

Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

Similar Articles

Do Beneficiaries Pay Taxes on Term Insurance?

Steps on How to Buy Term Insurance Online

Insuring Protection Against Death With Death Insurance Rider

Can You Increase Your Term Insurance Cover?

Comparing Term Plans – What Should You Look Out For

Should you buy a Renewable Term Life Policy?

Can Non-Resident Indians (NRIs) Buy Term Insurance In India?

What All Documents Required For Term Insurance In India?

Difference Between Term Insurance and Endowment Plan

All about Online Income Tax Calculator

Buying A Term Insurance Plan? Take These Factors into Account

Can Term Insurance Plans Be Purchased As A Gift?

How To Choose the Right Term Insurance Plan?

Busting Myths and Facts About Term Insurance Policies

Benefits of Short-Term Life Insurance Policy

Can An Individual Buy Multiple Term Insurance Plans?

Protection for your family

Term Insurance Plans and Policies for Smokers

Is There Any Tax Benefit on Term Insurance?

Do I Need to Give a Medical Test for Term Insurance in India?

What is a Joint Term Insurance Plan? Key Benefits of Joint Term Plan

What Happens if you Hide Facts in your Term Insurance?

Why Short-Term Insurance Plans Deserve a Second Look?

Different Types of Protection Plans

Individual Life Insurance vs. Group Term Life Insurance

What is a short term insurance policy?

Why should single women purchase term life insurance?

Term Insurance with Critical Illness

जीवन बीमा पॉलिसी लेने की प्रक्रिया क्या है?

How Does Term Life Insurance Work? Learn the Benefits

Types of Life Insurance Policies in India

Term Insurance Age Limit – Term Plan for All Age Groups

Can I Extend the Tenure of My Term Insurance Plan?

Why does every working women need life insurance?

Make Your Online Term Plan Your Familys Monthly Payout

Does Your Term Insurance Plan Cover Death Due to COVID-19?

Term Insurance Claim Process

Insuring Against Disability With Disability Insurance Rider

Zero Cost Term Insurance Plan: What is & Should you buy it?

Different Types of Premiums in Term Insurance?

10 Ways to Mentally Refresh After a Stressful Day

Top 3 Reasons Why You Should Buy A Term Plan Now

All About Term Insurance Inbuilt Coverage

What Are the Best Term Insurance Plans for Planning Retirement?

How to Compare Term Insurance Online

Is Life Insurance Investment Worthy Enough

Which is better limited pay or regular pay in term insurance?

5 Reasons to Buy Term Insurance When You are in Your 30s

Term Plans are Definitely Cheaper than You Think!

Should you have more than one nominee in your term insurance?

Importance of Term Insurance at Every Stage of Your Life

9 Most Frequently Asked Questions on Term Insurance

What is the Right Term Period For Term Insurance Policy? Here's How You Should Choose!

Online vs Offline Term Insurance: Which Is The Better Option To Buy

Tax Benefits of Term Insurance in India

What is Critical Illness Policy?

Term Insurance Claims – Make Sure Your Claims Are Never Rejected

Gift Your Father A Term Insurance Plan This Father's Day

How do I Calculate My Term Insurance Premium

Can You Get Term Insurance Without Income Proof?

Term Insurance Vs Car Insurance: A Budgetary Choice You'll Regret

Term Insurance Calculator - Everything You Need To Know

How to Buy 1 Crore Life Insurance Policy Without Medical Test

What Is a Renewable Term Insurance Policy?

Are The Add-ons and Optional Features of Term Insurance Plans Actually Beneficial?

Planning For Son or Daughter's Wedding

Term Vs. Whole Life Insurance: Which One You Should Buy in India?

How To Choose the Right Sum Assured Under a Term Plan?

Insurance Policy for Housewife In India

Is Term Life Insurance Plan an Investment or Expense?

Why Term Insurance Is Important in times of COVID-19?

When Should You Review Term Life Insurance of Yours?

Eligibility Criteria for Buying Term Insurance in India

9 Point Guide on how to File Income Tax Return Online

Increasing Term Insurance and Riders

Why Term Plan Should Be The First Step To Securing Your Future?

Everything About Claim Settlement Ratio for Term Insurance

Term Insurance With Riders In India

How To Calculate The Amount Of Term Life Insurance You Need?

4 Things To Expect From Your Term Insurance Plan in India

टर्म इंश्योरेंस क्लेम प्रक्रिया

Term Life Insurance Vs Money Back Life Insurance

What Is the Correct Age to Buy Term Insurance?

Reasons You Need Term Insurance Plan as a Self-Employed Person

9 Ways to Help Family Members in Financial Trouble

Can I Make Changes to My Term Insurance Policy Post Purchase?

What is a term insurance plan with a return of premium, and how does it work?

Why Premium Amount for Term Insurance is So Low?

11 Types of Death not covered in Term Insurance Plans

Why Term Insurance Is Better Than ULIP?

Why Spending Time with Friends is Essential for Your Mental Health?

Tips to Choose the Right Term Period for Term Insurance Plan

Side Effects of Covid-19 Booster Doses

8 Factors to consider before choosing a Critical Illness Insurance

Know How to Invest at Every Age for Larger Returns

What is Insurance Premium? | Definition of Insurance Premium

How Does Short-Term Life Insurance Work?

Term Insurance: Most Common Term Insurance Myths Explained | Kotak Life

What Happens to Term Insurance Plan With No Beneficiary - Kotak Life

How To Evaluate Your Term Insurance Quote?

कोविड -19 बूस्टर खुराक के दुष्प्रभाव

Endowment Plans vs Term Plans: Understanding the difference

Term Insurance: Smokers vs Non-Smokers

Understanding Term Insurance Riders

6 Reasons That Make Term Insurance a Must Buy

Ensure Protection Against Death, Disease & Disability With Life Insurance

Why Buying a Term Plan Is Smarter Than Traditional Life Insurance Products

Why Surrendering Your Term Plan Policy In The Final Phase Maybe A Bad Idea?

How Much Term Life Insurance Cover Do I Need?

Buying A Term Insurance? Don't Ignore the Claims Settlement Ratio

Term Insurance: What Happens When You Don’t Pay Your Premiums?

Why Buy Term Insurance Even at Rising Rates?

5 Reasons to Have a Child Education Plan

Make Your Online Term Plan Your Family's Monthly Pay Cheque

What Is a Passive Income? Why Should You Use It to Buy a Term Plan?

Choosing Riders for Insurance Plans

Why Married People Should Buy Term Insurance Under MWP Act?

How Does BMI Affect Your Term Insurance Premium?

Ideal Features of a Suitable Term Plan - Act Now for a Stress-free Future

Planning For Children's Future

टर्म इंश्योरेंस क्या है? टर्म इंश्योरेंस का मतलब

Should Youngsters, Working Couples Buy Term Insurance Plans?

Difference Between Term Insurance and Endowment Plan

When is the Right Time to Buy Term Life Insurance Policy for Yourself?

What Should Be The Duration Of Your Term Plan in India?

10-Year Term Life Insurance Policy - Explained in Detail

Advantages & Disadvantages of Term Insurance in India

What is Form 16, Form 16 part A, Form 16 part B, Information Required and FAQs

भारत में गृहणियों के लिए टर्म इंश्योरेंस

Insuring yourself against Ill Health with a Critical Illness Rider

5 Smart Steps to keep in mind while buying term policies

How to Buy ₹1 Crore Life Insurance Policy Without Medical Test?

10 Ways to Get Your Kids Involved in Your Healthy Lifestyle

Should You Buy a Term Plan After 40?

Do You Need Term Insurance Cover After Retirement?

Should You Have Multiple Term Life Insurance Policies?

Is term Insurance Needed for People With No Dependents?

Term Plan with Spouse Cover

8 Benefits of Term Insurance You Should Know

While Buying Term Insurance Compare Features, Not Just Premiums

Why Buy Term Insurance Plan With a High Cover?

6 Types of Death not covered in Term Insurance Plan

How Does Term Life Insurance Work? Learn the Benefits

5 Things To Consider While Buying Term Insurance Plan

Is ₹1 Crore Term Insurance Good Enough Cover?

Insuring Against Accidents with an Accidental Death Insurance Rider

Do term insurance policy have a waiting period after buying?

Can I Get Term Insurance on Behalf of My Spouse?

Key IRDAI Regulations That Changed Face Of Term Insurance Industry In 2020

How to Identify Term Insurance According to Your Needs?

Term Insurance Basics You Should Know

All you need to Know about Term Insurance Plans for housewives

Joint vs Individual Term Insurance: Which One Should You Choose?

टर्म इंश्योरेंस बनाम लाइफ इंश्योरेंस: अंतर और लाभ समझें

Which Term Insurance to Choose: Lump Sum or Staggered Pay-out Plan?

What are the Documents Required for Term Insurance Plan?

Can a Housewife Buy a Term Insurance Plan - All You Need to Know

Is a Term Insurance Policy Portable?

Key Differences Between Term Insurance, ULIPs, And Health Insurance

Why Should You Buy Term Insurance in 2022?

Why 1 Cr Term Plan Is Necessary For Family?

8 Things To Do After Buying Term Insurance

Can Senior Citizens Avail Term Insurance?

How to Surrender Term Life Insurance When You Have No Liabilities?

What Types of Deaths Are Covered in a Term Insurance Plan?

How Much Term Life Insurance Cover Do I Need in India?

Why Should You Not Take A Term Plan Without Medical Test in India?

Which Death Type Does Your Term Plan Not Cover?

Is It Good To Buy A Term Insurance Plan In 2022?

क्या ₹1 करोड़ का टर्म इंश्योरेंस पर्याप्त कवर है?

What are incremental term insurance plans?

How Not To Get Your Term Insurance Claim Rejected

What Are Insurance Riders and How to Choose Them in a Term Plan?

How To Change The Nominee in Term Insurance?

Calculating Term Insurance Premium

3 Things to Consider When Buying Term Insurance, If You are Single

Why You Must Include In Your Financial Planning?

Cost of Term Insurance Likely to Increase Soon

Advantages of Buying Term Insurance in Your 50s

4 Methods to Calculate How Much Term Insurance You Need

5 Term Insurance Benefits for Single Women

Is Group Term Life Insurance Provided By Employer Sufficient?

Can I Buy Term Insurance for a COVID-19 Patient?

How Much Cover Should I Take In A Term Plan?

Why Should You Add a Rider to a Term Insurance Plan?

5 Benefits of Early Retirement Planning

Does Term Insurance Cover Accidental Death?

Term Life Insurance Plan for Smokers vs Non-Smokers

भारत में जीवन बीमा कितने प्रकार के होते हैं?

What is Term Insurance?

Is it a Good Time to Buy Term Insurance During the COVID-19 Pandemic?

Term Insurance vs Life Insurance: Understand the Difference and Benefits

Why Should New Parents Buy Term Life Insurance?

Why is it important to buy term insurance plan?

10 Most Frequently Asked Questions - FAQs on Term Insurance

Difference Between Short-Term and Long-Term Insurance