A loss of muscle function in a portion of your body, whether partial or complete, can be called paralysis. Serious illnesses or accidents can result in paralysis. Permanent paralysis can also result from spinal diseases like multiple sclerosis and strokes. You could become paralysed at any point in your life. Any part of the body that is permanently paralysed can cause excruciating pain and suffering. It will also financially and emotionally deplete your family.

One classifies paralysis as a critical illness. Under your primary health insurance online plan, it is not covered. You must select a specific critical illness plan that pays for medical costs associated with paralysis-related conditions. In addition, you have the option to add a critical illness rider to your primary health insurance policy. *

Paralysis Types

There are four types of paralysis: general, partial, permanent, acute, and acute. It may impact a particular body area, like your lower limbs. Muscle weakness results from flaccid paralysis, whereas extreme muscle tightness renders the body uncontrollable in spastic paralysis. Your muscles may also spasm or twitch erratically if you have paralysis. Furthermore, because paralysis is chronic, it takes a long time for a patient to regain their average level of functioning. In addition to physical and occupational therapy, paralysis necessitates proactive medical management.

The Value Of A Plan For Critical Illness

Instead of conventional indemnity health insurance online plans, a critical illness plan pays out a lump sum upon diagnosis of any of the specified critical illnesses covered by the policy. In certain situations, the money may also help adjust to changes in lifestyle, covering the cost of debt repayment or replacing lost income. An employee benefit or traditional health insurance plan can partially cover medical expenses. After a 30-day survival period, the lump sum payable under a critical illness policy is made in a single transaction upon the initial diagnosis. Additionally, under Section 80D, premiums paid towards health insurance online plans are tax deductible. ** *

Read more about – Is proof required for 80D?

Conditions Included In A Critical Illness Plan

  • Heart Attack
  • Multiple Sclerosis
  • Stroke
  • Coronary Artery Bypass Surgery
  • Cancer
  • Major Organ Transplantation
  • Paralysis
  • Aorta Graft Surgery
  • Kidney Failure
  • Parkinson’s Disease
  • Primary Pulmonary Arterial Hypertension
  • Heart Valve Replacement
  • Alzheimer’s Disease
  • End-Stage Liver Disease
  • Benign Brain Tumor

The list above is not all-inclusive; some critical illness plans cover over thirty diseases.


  • A CI plan does not cover incidents resulting from adventure sports participation.
  • Excludes self-inflicted injury from coverage.
  • Excludes any claims resulting from armed conflict.
  • Excludes accidents that occur while you’re engaged in defense-related activities.
  • Does not include coverage for STDs or genital infections.
  • Excludes coverage for cosmetic surgery and obesity.

A critical illness insurance plan, in its simplest form, pays out a lump sum up to the policy’s maximum amount upon the diagnosis of a critical illness. You can make use of a health insurance calculator to check on the prices of premiums to be paid for the ideal policy.

* Standard T&C Apply

** Tax benefits are subject to change in prevalent tax laws.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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