For a claim to be successful under a critical illness policy, the illness must:

For a claim to be successful under a critical illness policy, the primary requirement is that the illness must meet the criteria outlined in the policy itself. Each critical illness policy specifies the conditions that are covered, and the insured individual must demonstrate that their illness falls within these specified criteria.

This approach is essential because critical illness policies are designed to provide coverage for specific conditions, which can vary from one policy to another. The definition of what constitutes a "critical illness" is crucial, as it directly influences the claims process and whether the claim will be approved. Factors like being approved by the insurer's guidelines, incurring a hospital stay, or reporting the illness within a certain timeframe may be relevant to the broader context of the policy, but the fundamental requirement is that the illness must align with the policy's explicitly stated criteria. This ensures that the coverage provided is clear and that claimants understand what conditions are eligible for benefits under their specific policy.