Financial Security
Provides a lump-sum payout upon the diagnosis of a covered critical illness, helping reduce the financial burden associated with treatment and recovery.
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Critical Illness Insurance is a specialized health insurance solution designed to provide financial protection against the diagnosis of specified critical illnesses such as cancer, heart attack, stroke, kidney failure, and other covered conditions. It provides a lump-sum benefit upon diagnosis of a covered illness, helping individuals and their families manage treatment expenses, loss of income, and other financial obligations.
In Nepal, Critical Illness Insurance provides coverage for specified illnesses listed in the policy, subject to the policy's terms, conditions, waiting periods, and exclusions. The benefit can be used at the insured's discretion for medical treatment, household expenses, rehabilitation, loan repayments, or other financial needs.
Critical Illness Insurance is available with different coverage options and sum insured amounts, allowing individuals in Nepal to choose protection that best suits their healthcare needs and financial circumstances.
Essential protections such as Critical Illness Insurance are often overlooked until individuals or their families are faced with the financial impact of a serious medical condition. However, this protection is designed to provide financial security and peace of mind during one of life's most challenging situations.
Without Critical Illness Insurance, the cost of treatment, rehabilitation, and loss of income resulting from a serious illness can place considerable financial strain on individuals and their families.
Therefore, while no one expects to be diagnosed with a critical illness, having suitable insurance coverage helps reduce financial uncertainty and allows individuals to focus on treatment and recovery.
Choose a coverage amount that matches your financial responsibilities and healthcare needs.
Critical Illness Insurance policies are designed to provide financial support when the insured person is diagnosed with a covered critical illness. The main features include:
Together, these features make Critical Illness Insurance an important financial protection solution, helping individuals and families maintain financial stability while facing serious medical conditions.
| Parameter | Critical Illness Insurance | Health Insurance |
|---|---|---|
| Meaning | Provides a lump-sum financial benefit upon the diagnosis of a covered critical illness, subject to the policy terms and conditions. | Provides financial protection against eligible medical expenses arising from illnesses, injuries, hospitalization, and related treatments. |
Critical Illness Insurance offers valuable financial protection during serious health conditions, helping policyholders focus on recovery rather than financial concerns.
Provides a lump-sum payout upon the diagnosis of a covered critical illness, helping reduce the financial burden associated with treatment and recovery.
Helps compensate for the temporary or permanent loss of income while the insured undergoes treatment or rehabilitation.
Choose a suitable sum insured based on your healthcare needs, financial responsibilities, and future protection requirements.
The lump-sum benefit may be used for treatment costs, rehabilitation, household expenses, loan repayments, or other financial commitments during recovery.
Use downloads for forms, or reach out via contact channels for checklists and timelines.
We value every customer with a VIP-level experience, delivering prompt support, transparent guidance, and Critical Illness Insurance coverage designed to provide financial support during challenging health situations and help customers manage the impact of serious medical conditions.
We are committed to providing prompt assistance, transparent communication, and dedicated support throughout your insurance journey.
Our claims process is streamlined for speed and simplicity, with a significant number of claims settled promptly. A digital-first approach minimizes paperwork and ensures faster turnaround times.
Whether it is a weekday, weekend, or public holiday, our support team remains available 24/7 to assist you with queries, claims, or policy updates.
Choose a suitable sum insured and coverage options that best align with your healthcare needs and financial goals.
With a strong branch network and accessible support channels, United Ajod helps customers receive insurance services and assistance whenever required.
Our customer support team assists with policy servicing, renewals, endorsements, and claim-related queries throughout the policy period.
Visit one of our nearest branch or contact our customer support team.
Select the Critical Illness Insurance plan and sum insured that best suits your protection needs.
Provide your personal details along with the proposal form details.
Complete payment and any required KYC verification as guided by our team.
You'll receive policy documents hard copy along with SMS confirmation. Policy Pdf file will also be sent to your email address.
You can reduce the likelihood of claim rejection by understanding your policy and following the claim requirements carefully.
Many claims are rejected simply because the policyholder is unaware of what their insurance covers. Always read your policy document to understand the inclusions, exclusions, and conditions.
Always provide complete and accurate personal and medical information while purchasing your policy. Incorrect or incomplete disclosures may affect claim eligibility.
Maintain all necessary documents required for claim processing, including medical reports, diagnosis records, test results, identity documents, and other supporting documents. Missing or incomplete documents may delay claim processing.
Be aware of waiting periods, covered illnesses, and policy exclusions before submitting a claim.
Inform your insurer as soon as a covered critical illness is diagnosed so the claim process can begin without unnecessary delays.
Renew your policy before its expiry date to ensure continuous coverage and uninterrupted financial protection.
You can access United Ajod through these options:
Download our mobile app from the App Store or Google Play.
Visit our website at https://uail.com.np for detailed information.
Coverage for pre-existing medical conditions depends on the policy terms, waiting periods, declarations made during policy purchase, and applicable exclusions. Please refer to your policy document for complete details.
The maximum coverage amount depends on the selected policy plan and the sum insured chosen at the time of purchase.
Critical Illness Insurance provides a lump-sum benefit upon the diagnosis of a covered critical illness. Hospitalization benefits, if applicable, depend on the specific policy terms and conditions.
Common exclusions may include illnesses diagnosed during the waiting period, undisclosed pre-existing medical conditions, self-inflicted injuries, and conditions specifically excluded under the policy. Please refer to the policy wording for the complete list of exclusions.