The Critical Illness Insurance Policy (CIIP) is the insurer's newer critical illness product launched in October 2025 — distinct from the earlier Critical Illness Policy (NCIP). CIIP adds two structural advantages: it's available on both individual and family floater basis, and it offers an optional add-on for two specific CIs (Permanent Paralysis of Limbs and Total and Permanent Blindness) that gives buyers the flexibility to tailor their coverage. Same Plan A/B structure, same lump sum mechanics — with expanded accessibility and customisation.
Probitas Insurance Brokers· takemyinsurance.com
"Critical Illness Insurance policy by the insurer has been designed to cover you and your family from 37 critical illnesses (11 diseases in Plan A and 37 diseases in Plan B including those covered under Plan A). Available for people aged between 18 years and 65 years, the policy offers unique benefits by covering expenses in case the insured is diagnosed or affected by any of the specified critical diseases. On diagnosis of the disease, the insurer pays a lump sum amount to the insured person." CIIP is the newer, more flexible successor to NCIP launched in October 2025, with floater availability and a unique optional add-on for two CIs.
"The policyholders also have an option to add two more critical illnesses, namely Permanent Paralysis of Limbs and Total and Permanent Blindness."
CIIP is available on family floater basis — a shared CI lump sum pool for the whole family. If any family member is diagnosed with a covered CI, the full floater sum insured is paid. No more buying separate individual CI policies for each family member. One CIIP floater policy covers the entire family's CI risk.
Floater Basis Available"Policyholders have an option to add two more critical illnesses, viz., permanent paralysis of limbs and total and permanent blindness." Buyer selects their CI coverage at purchase — base plan only or with specific add-ons based on personal/family risk profile.
Customisable CoverageSame core mechanics as NCIP: full sum insured paid as a lump sum on first confirmed diagnosis after the survival period. No bills required. No restriction on use. Pay for cancer treatment abroad, clear home loan EMIs, replace income during recovery — the money is yours.
Full SI on DiagnosisSame Plan A/B structure as NCIP. Plan A covers the 11 highest-incidence CIs in India. Plan B expands to 37 conditions including rare neurological diseases, organ failures, burns, and sensory loss. CIIP then adds the optional Paralysis + Blindness add-on beyond these plans.
2 Plan OptionsCIIP launched in October 2025 — prospectus URL (2025-10/CI-Prospectus). A newer product that reflects the insurer's evolution of its CI offering post the existing NCIP. Both NCIP and CIIP remain available, serving different buyer needs.
Oct 2025· Newer ProductCIIP is renewable for life —: "The policy can be renewed till the insured is 65 years of age." Note: this may mean renewals are available up to age 65 or lifelong after entry at 65. Confirm exact renewal terms with Probitas at 022 4302 0000.
Lifelong RenewalCIIP vs NCIP — Critical Structural Differences· When to Choose Each
the insurer now has two standalone critical illness products: NCIP (Critical Illness Policy) and CIIP (Critical Illness Insurance Policy). Both pay a lump sum on CI diagnosis. The structural differences determine which is right for your specific needs.
Probitas Insurance Brokers· takemyinsurance.com
"The policyholders also have an option to add two more critical illnesses, namely Permanent Paralysis of Limbs and Total and Permanent Blindness." This add-on is CIIP's defining structural feature — absent from every other the insurer CI product. Here's what each condition means, who needs it, and when to add it.
Clinical definition (the insurer CI standard): Total and irreversible loss of use of two or more limbs as a result of injury or disease to the brain or spinal cord. Must be clinically confirmed as permanent and irreversible. Paralysis must persist continuously for at least 90 days.
Who should add this:
→ Professional drivers, bikers, or those with high road accident risk
→ Families with members working in construction, mining, or physical labour professions
→ Anyone with family history of spinal cord conditions (MS progression, degenerative disc disease)
→ Buyers where road accident causing paraplegia/quadriplegia is a specific financial planning concern
Why it's an add-on in CIIP vs standard in NCIP:
In NCIP, Permanent Paralysis of Limbs is CI #9 in Plan A — included as standard for all Plan A buyers. In CIIP, it's optional — allowing buyers without specific paralysis risk to exclude it and potentially reduce their base premium. For those with risk, the add-on restores equivalent coverage at a marginal additional premium.
Clinical definition (the insurer CI standard): Total, permanent and irreversible loss of sight in both eyes confirmed by an ophthalmologist. Not due to a directly treatable condition. Must be permanent and cannot be corrected with lenses, surgery, or other treatment.
Who should add this:
→ Patients with Type 2 Diabetes at risk of diabetic retinopathy (leading cause of blindness in India)
→ Families with hereditary eye conditions (glaucoma, high myopia with retinal risk)
→ Professionals where vision loss would catastrophically affect earning capacity (pilots, surgeons, designers)
→ Anyone using heavy machinery where accident-related vision loss is a specific occupational risk
Why it's an add-on in CIIP vs standard in NCIP:
In NCIP, Blindness is CI #34 in Plan B — standard coverage only in Plan B (not Plan A). In CIIP, Blindness can be added to either Plan A or Plan B as an optional extra. This gives Plan A CIIP buyers the ability to add Blindness coverage without upgrading to the full Plan B — a cost-efficient option not available in NCIP.
Probitas Insurance Brokers· takemyinsurance.com
CIIP's Plan A and Plan B structure mirrors NCIP's — 11 CIs in Plan A, 37 CIs in Plan B (including Plan A's 11). The key structural difference: Permanent Paralysis is NOT in CIIP's Plan A (unlike NCIP), and Total & Permanent Blindness is NOT in CIIP's Plan B as standard — both are purchasable add-ons.
CIIP Plan A covers these 11 CIs as standard. Note: Permanent Paralysis of Limbs (which is CI #9 in NCIP Plan A) is NOT a standard Plan A inclusion in CIIP — it is available as an optional add-on.
CIIP Plan B includes all Plan A CIs plus 26 additional conditions. Note: Total & Permanent Blindness (which is CI #34 in NCIP Plan B) is NOT standard in CIIP Plan B — it is an optional add-on even for Plan B buyers.
Probitas Insurance Brokers· takemyinsurance.com
CIIP's Most Innovative Feature· Family Floater CI Lump Sum· Unique in the insurer's CI Portfolio
CIIP's availability on family floater basis is its most structurally innovative feature. Under a floater CI policy, one sum insured pool covers all family members — if any family member is diagnosed with a covered CI, the full floater SI is paid as a lump sum. This is a fundamentally different approach from NCIP's typical individual-per-person CI coverage.
The cost comparison:
Individual NCIP: Self (₁₀L) + Spouse (₁₀L) + Father (₁₀L) = ₃₀L total coverage across 3 individual policies = 3× individual premium.
CIIP Floater: One policy at ₂₅L floater SI for Self + Spouse + Father = one premium at a lower combined cost than 3 individual policies. If any one of the three is diagnosed with a CI, the full ₂₅L is paid to the family.
The statistical basis: Most families statistically won't have multiple CI events in the same year — the floater pool works in families' favour just as it does in health insurance floaters. The ₂₅L floater at one premium serves the family better than three ₁₀L individual policies at triple the cost.
Ideal for:
→ Young families where cancer/cardiac risk exists for any member but statistically unlikely to hit multiple members simultaneously
→ Families with one high-risk member (e.g. parent with strong cardiac family history) wanting comprehensive coverage for that specific person while covering others at lower incremental cost
→ Families where one high SI matters more than distributed coverage — ₂₅L floater vs three ₈L individual policies
Consider carefully:
→ Multi-generation families where elderly parents have high CI probability: if parents exhaust the floater CI on their own claims, younger members lose CI coverage
→ Families wanting guaranteed SI per person regardless of other family members' claims: individual CI policies (NCIP structure) may be better
Probitas Insurance Brokers· takemyinsurance.com
CIIP Plan A covers 11 critical illnesses. These are the same class of high-incidence CIs as NCIP Plan A — with the structural difference that Permanent Paralysis (NCIP Plan A CI #9) is an optional add-on in CIIP rather than standard. Call Probitas at 022 4302 0000 to confirm the exact 11th condition for CIIP Plan A.
Probitas Insurance Brokers· takemyinsurance.com
CIIP Plan B adds conditions to Plan A's 11. The additional conditions include: End Stage Liver Failure, Third Degree Burns, Goodpasture's Syndrome, Apallic Syndrome, Aplastic Anaemia, SLE with Lupus Nephritis, Bacterial Meningitis, Multiple System Atrophy, Progressive Scleroderma, Aorta Graft Surgery, Pneumonectomy, Primary Pulmonary Hypertension, Primary Parkinson's Disease, Alzheimer's Disease, Benign Brain Tumour, Cardiomyopathy, End Stage Lung Failure, Brain Surgery, Progressive Supranuclear Palsy, Creutzfeldt-Jakob Disease, Major Head Trauma, Encephalitis, Deafness, Loss of Speech, Loss of Limbs — plus one additional to reach 37 total. Note: Blindness, included in NCIP Plan B as CI #34, is an optional add-on in CIIP Plan B.
Same Fixed Benefit Mechanics as NCIP· 30-Day Survival· Policy Lapse After Claim
Select Plan A (11 CIs) or Plan B (37 CIs). Choose SI (₁L–₇₅L). Optionally add: Permanent Paralysis of Limbs and/or Total and Permanent Blindness add-on at additional premium. Individual or floater basis. 90-day initial waiting period begins for illness-related CI claims. Accidents: Day 1 (confirm for CIIP).
A confirmed diagnosis of one of the covered CIs (Plan A, Plan B, or add-on conditions as applicable) occurs after the 90-day waiting period. Diagnosis confirmed by qualified specialist with supporting evidence (biopsy, ECG, MRI, ophthalmologist report, etc.) meeting the policy's qualifying criteria. Notify CIIP policy-issuing office within 15 days of diagnosis.
"It is necessary for the insured individual to survive for at least 30 days after he/she has been diagnosed with a critical illness." The insured must be alive 30 days after the confirmed diagnosis date. During this period, your health insurance (NMP/NNPMP etc.) handles hospitalisation bills. CIIP triggers after the survival period.
Submit: completed claim form + medical practitioner's certificate confirming CI diagnosis + discharge summary + diagnostic test reports + any other documents required. Submit to policy-issuing office within 30 days of completing the survival period. the insurer verifies diagnosis meets qualifying criteria and pays the full sum insured as a lump sum directly to the insured's bank account.
Once the CIIP lump sum is paid, the policy lapses — consistent with NCIP and all the insurer CI products. For floater policies: if any family member's CI triggers the payout, the floater terminates for all members. No further CI claims on the same policy. Plan for re-purchase if needed — subject to the insurer underwriting at that time. Use the lump sum for anything: treatment, income replacement, EMIs, experimental therapy.
Probitas Insurance Brokers· takemyinsurance.com
Standard the insurer CI Discounts· Confirm CIIP-Specific Discount Structure with Probitas
Standard the insurer CI product discounts apply to CIIP. Confirm the specific CIIP discount table (especially whether Early Entry Discount from NCIP is available for CIIP) with Probitas at 022 4302 0000 or from the CIIP policy document.
10% discount on premium when CIIP is taken for family members (in addition to self). Applicable for floater and multi-member individual purchases. Standard the insurer CI family discount — confirm for CIIP.
10% discount for policies purchased online, by walk-in customers (direct sales), or from POS machines. Standard the insurer CI discount — confirm for CIIP.
NCIP has a 5% lifetime Early Entry Discount (buy before age 42, renew 3+ years). Whether CIIP has the same Early Entry Discount structure is unconfirmed — call 022 4302 0000. Important for buyers under 42 evaluating CIIP vs NCIP.
Premium paid for CIIP qualifies for deduction under Section 80D. ₹25,000 deduction for self/family under 60; ₹50,000 for senior citizens. Standard for all health insurance policies including CI.
Standard the insurer CI Exclusions· Consistent with NCIP
Any CI diagnosis within 90 days of policy inception for illness-related conditions: not payable. Accident-caused CI from Day 1 (confirm for CIIP).
Critical illnesses that existed before the policy was purchased: excluded under base CIIP. PED CI optional add-on available on additional premium, subject to the insurer underwriting.
Permanent Paralysis of Limbs and Total and Permanent Blindness are NOT covered in CIIP's base Plan A or Plan B. These require the optional add-on on additional premium to be covered.
If the insured does not survive 30 days from the date of diagnosis: CI lump sum not payable. Survival period is a mandatory condition for all the insurer CI products.
CIs arising from congenital, genetic disorders, sterility, infertility, and assisted conception: excluded. Standard the insurer CI exclusion.
CI resulting from complications of pregnancy or childbirth: excluded. Standard the insurer CI exclusion.
CI arising from HIV or AIDS: excluded. Standard the insurer CI exclusion across all products.
CIs not meeting the policy's qualifying severity criteria: excluded. E.g. Cancer that is pre-malignant or carcinoma-in-situ; Stroke without permanent neurological deficit; Coma lasting less than 96 hours.
Probitas Insurance Brokers· takemyinsurance.com
Inform the CIIP policy-issuing office in writing within 15 days of the CI diagnosis. Include: policy number, policy term, insured name, date of diagnosis, name of the critical illness. For add-on CIs (Paralysis or Blindness): also specify that the claim is for the add-on condition. Contact Probitas at 022 4302 0000 for notification assistance.
"Survive for at least 30 days after he/she has been diagnosed with a critical illness." The 30-day survival clock starts from the date of confirmed CI diagnosis. During this period, your health insurance handles hospitalisation and treatment costs. CIIP's lump sum triggers after day 30 of survival.
Required documents: (1) Medical practitioner's certificate confirming CI diagnosis. (2) Original discharge summary (certified copy if original unavailable). (3) Pathological / radiological / diagnostic test reports confirming diagnosis. (4) Any other documents required by the insurer. For add-on claims (Paralysis): neurological assessment confirming irreversible loss of limb function. For add-on claims (Blindness): ophthalmologist's certificate confirming total, permanent vision loss. Submit to the insurer policy-issuing office.
the insurer reviews all documents, verifies the diagnosis meets the CIIP qualifying criteria, confirms the 30-day survival period is completed, and processes the full sum insured as a lump sum payment directly to the insured's bank account. Upon payment: CIIP policy terminates. For floater policies: entire family's CIIP coverage ends on first payout.
Critical Illness Insurance Policy — Frequently Asked Questions
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By submitting you agree to our Privacy Policy and Terms & Conditions. Critical Illness Insurance Policy (CIIP)· IRDAI Licensed. Launched October 2025. Plan A: 11 CIs. Plan B: 37 CIs. Optional add-ons: Permanent Paralysis of Limbs and Total and Permanent Blindness (on additional premium). Available on Individual and Family Floater basis. Entry age: 18–65 years. SI: ₹1L–₇₅L. Survival period: 30 days. Initial waiting period: 90 days. Policy lapses after first CI claim payout. Pre-existing CIs excluded from base (PED CI add-on available — confirm for CIIP). Section 80D tax benefit. Specific CIIP discount table, exact 11th Plan A condition, PED CI add-on terms, and Early Entry Discount applicability to CIIP — confirm from CIIP policy document or call 022 4302 0000. All terms per CIIP policy document. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.