Ancillary Products

CIFS offers various ancillary products designed to complement primary health insurance coverage. These products help policyholders manage out-of-pocket expenses and provide additional financial protection in the event of illness, accident, or disability. Below is a general overview of the types of products they may offer but, keep in mind that specific products, features, and availability may change over time.

Accident Insurance

This coverage provides financial assistance for medical expenses and income replacement in the event of an accident. This may include emergency room visits, hospital stays, outpatient treatment, and physical therapy.

Critical Illness Insurance

This insurance offers a lump-sum benefit upon diagnosis of a covered critical illness, such as cancer, heart attack, or stroke. The funds can be used for medical expenses, daily living expenses, or other needs as the policyholder sees fit.

Disability Income Insurance

This insurance provides a monthly benefit if the policyholder becomes disabled and is unable to work due to a covered illness or injury. The benefit amount and duration depend on the policy's terms and conditions.

Hospital Indemnity Insurance

This coverage pays a daily benefit for each day the insured is hospitalized due to a covered illness or injury. The funds can be used to offset out-of-pocket expenses, such as deductibles, co-payments, or coinsurance.

Long-term Care Insurance

This coverage helps pay for long-term care services, such as nursing home care, assisted living facilities, or in-home care, for individuals who are unable to perform activities of daily living due to a chronic illness or disability.

Short-term Care Insurance

This type of insurance provides coverage for temporary stays in a nursing facility or for in-home care services, such as home health care or adult day care, due to illness or injury.