What do critical illness policies require for benefits to be paid?

Critical illness policies are designed to provide financial support when an insured person is diagnosed with a specified serious illness as defined in the policy. To trigger the benefits of such a policy, the key requirement is that the insured must provide proof that they have contracted the specific disease mentioned in the policy terms. This proof typically involves a formal diagnosis from a qualified medical professional.

The focus is on the diagnosis itself rather than recovery, medical records, or waiting periods. Therefore, confirming the diagnosis is central to accessing the benefits provided by critical illness insurance. This requirement ensures that the insurance provider can validate the claim based on the specific criteria outlined in the policy.