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Critical Illness

Check out various insurance providers and select the best life policy insurance for yourself. Our expert advisors will provide the guidance you need to make the best decision for yourself.

Critical Illness Insurance Types

It is scary to think about death, but it is inevitable and unpredictable. Thankfully, life is predictable and we have some control over it. You need to look at all your options and plan for your future needs. Opt for whole life insurance term insurance, long-term care insurance, or universal life insurance, whatever you need you can have. You can find out what the different types of life insurance plans exactly mean.

Once you know the different insurance types based on the premium payment mode and the payout receiving mode, you will know which type of life insurance policy you want to buy for yourself. Check out various insurance providers, compare all their similar plans, and select the best life policy insurance for yourself.

Term Life Insurance

When you pay a fixed premium for a fixed time period, you get a specific amount of money when the policy expires or as death benefit.

Whole Life Insurance

Whole life insurance offers lifelong coverage. The policy does not expire as long as the premiums are being paid on time.

Universal Life Insurance

Universal life insurance is like whole life insurance, but with flexible premiums so that you can keep paying whatever amount is convenient for you.

Long-Term Care Insurance

Long term care is meant to cover specific expenses like namely medical needs for chronic illnesses.

Term versus Whole Life

Term life insurance is cheaper, for a defined period of time without cash value benefits. Whole life insurance is lifelong, more expensive and has cash value benefits.

Term versus Long-term Care

Term life policy is for a specific period of time before end stage of life and long-term care policy is for assistance for old age or terminal illness cases.

Whole Life versus Universal

Whole life insurance comes with fixed premiums and fixed payout while universal insurance has flexible premium options and the payout varies according to the premium.

Universal versus Term

Universal insurance offers accumulated cash value for borrowing/withdrawal during the course of the plan, term life insurance does not.

Our service providers believe that our clients deserve the best. They will always help you choose the best life policy insurance for your premium capacity and payout needs.

  • Reliable guidance
  • Best value on investment
  • Hassle-free process
  • Optimum coverage

Service Benefits

With consistence assistance from our expert finance advisors our clients reap the benefits of all the opportunities insurance policies present. Custom plans, smooth plan switch, and prompt payouts are assured with Growshine.

Voice of Happy Customers

My hospital supplementary insurance helped me get through both my surgeries thanks to the extensive plan. The premium was high but if I did not have this supplementary I would have been paying way more for my surgeries and there is no way I could have afforded that as I am out of commission during the recovery period.


Thankfully the GrowShine hospital indemnity insurance covers a range of hospitals and I found the plan applies to the hospital I trust the most. My regular health insurance recently got cut off from the hospital where most of my doctors work. I used the hospital indemnity to cover most of my costs.


My extensive coverage helped me with not only hospital bills but with the tests and medication bills too. I am going to use this plan for every hospitalization from now on. I am planning to get on the floater plan so I can add my husband to this plan.


I took a short-term hospital indemnity insurance for my hip surgery and it really helped. I knew my health insurance wouldn’t provide complete coverage. The supplementary reduced my out-of-pocket expenditure by seventy percent.


Thank goodness I took GrowShine hospital indemnity plan. Without it, I could not have been able to pay for the c-section without taking out a loan or breaking a fixed deposit. I was a little worried whether the coverage would come through as I had taken the plan less than a week before but it came through.

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  • When an unknown printer took a galley of type and scrambled.

Still Any Queries?

You can upgrade your life insurance term insurance or long-term care policy. You need to contact your agent or call client support and you will get the options available to you. You will get the same time and guidance you had when you opened your account. You can change your plans as per your needs.

The best option isn’t the same for all. It depends on how much premium you can afford and how much payout you need and when. Accordingly we can set you up with the best whole or term life policy quote. You can opt for immediate or deferred interests and flexible plans too with universal insurance.