The chances of a non-communicable disease (NCD) resulting in disability in India can be relatively high due to a number of factors. India has a high burden of NCDs, including diabetes, heart disease, and cancer, which can lead to disability if not properly managed. Additionally, access to healthcare can be limited in certain areas of India, which can make it more difficult for individuals to receive the care and treatment they need to manage their NCDs and reduce their risk of disability. Factors such as poverty, lack of education, and an unhealthy lifestyle also contribute to the high NCD and disability rates in India.

Yes. Because they cover different things, both types of insurance are vital to give you the best financial protection. That said, you should always prioritize disability insurance over critical illness insurance, especially if you are employed, self-employed, and a significant contributor to your household income. Your ability to earn an income is your most valuable asset. Should the unexpected happen, the only way to protect yourself from the financially devastating effects of a permanent or temporary disability is with Occupational Disability Insurance Critical illness insurance is essential for people who can't get disability insurance coverage. For example, homemakers, unemployed individuals, children and seniors, and people working high-risk jobs may all have difficulty buying disability insurance. That doesn't lessen the financial impact of cancer or the diagnosis of another serious illness. A critical illness policy will provide coverage where disability insurance isn't available.

This is a safety net, in case anything happens that renders you are incapable of earning due to disability and from making your card payments After the cardholder suffers a medical disability, the insurer will make the minimum payment due on the card for a specified period as per the policy terms Insurance.  

A high risk exists for employees facing unemployment due to disability. Persons with disabilities are frequently not considered potential members of the workforce due to myth, fear, prejudice, or hard commercial considerations. In 2018, the UN Department of Economic and Social Affairs showed that the extra costs associated with "any disability" as a percentage of average income can range from 8% to 43%" (ADB Briefs No. 203, Dec 2021).