MAM
Johnson Tiles maiden campaign to feature Katrina Kaif
Mumbai: For the first time since its incorporation in 1958, H&R Johnson (India) has roped in a celebrity brand ambassador for their maiden television ad campaign for Johnson Tiles.
The campaign is conceptualised by Soho Square and highlights the much overlooked element of a house – tiles.
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H&R Johnson (India) Chief Operating Officer Sushil Matey said, “Tiles often do not get their due importance while planning the home interiors. As category innovators, Johnson understands the need to scale up the premium quotient of tiles. The attempt in this new TV ad for Johnson Tiles therefore is to catapult tiles into an aspirational space in the consumers mind & in the process also play our role in expanding the category of tiles. This ad film showcases how tiles, an essential part of your home and lifestyle can be so intimate. It reflects who you are”.
He added, “The Johnson brand continues to be the most trusted name in the Home & Lifestyle category and represents values of trust-worthiness, innovation and contemporariness. Associating with Katrina Kaif for our brand reinforces our values which she also stands for, namely, her global image, freshness and contemporariness.”
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The TVC starts with Katrina Kaif opening a door and gently walking into the elegant house of Johnson. Soon she takes off her heels to feel the smooth tiles beneath her feet, and is left awe-stuck The ad reinforces that it is no longer just about brick and mortar, but about textures, colors, designs, visual appeal and aesthetics and most importantly a reflection and an extension of one’s personality.
Soho Square Mumbai head Satish Desa and ECD Anuraag Khandelwal said, “Katrina Kaif is the perfect brand ambassador for H&R Johnson. Both are international, yet rooted in India. There‘s also glamour, and a certain playful innocence. We wanted to capture all this in a unique TV commercial.”
They add, “The film is an ode to floors. It essays the emotions that a Johnson Floor elicits. It is a romance. A glimpse into Katrina‘s private space. Where Katrina and her floors are akin to lovers, sometimes friends, and sometimes the tiles play her confidante. Threading these intimate moments into visual poetry.”
MAM
What Is a Critical Illness Rider? Meaning, Features and Benefits
When you buy a health insurance policy, you usually focus on hospital bills and treatment costs. But serious illnesses don’t just affect your medical expenses: they disrupt your income, lifestyle and long-term plans. That’s where a Critical Illness Rider becomes relevant. It works as an additional layer of financial protection when you are diagnosed with a major illness.
Instead of reimbursing hospital bills, this rider offers a lump-sum payout you can use as needed. Understanding its mechanism helps you decide if your coverage is truly complete.
What is a Critical Illness Rider?
It is an add-on benefit attached to your existing health insurance policy. It provides a fixed lump sum amount if you are diagnosed with any illness listed under the rider. You become eligible for a payout solely on the basis of diagnosis, not by hospitalisation or treatment expenses.
Unlike regular coverage, you are not required to submit medical bills to claim this benefit. Once the diagnosed illness meets the policy definition and criteria, the insurer releases the amount. This makes it different from standard critical health insurance plans, which are standalone policies rather than add-ons.
How a Critical Illness Rider Works
When you opt for this rider, you choose a predefined sum assured. If you are diagnosed with a covered illness, the insurer pays the full amount in one lump sum. The payout can be used for treatment, recovery, income replacement, debt repayment, or even lifestyle adjustments.
Most riders specify a waiting period and a survival period. The waiting period means the illness must be diagnosed after a certain number of days from the policy start date. The survival period requires you to survive for a specific number of days after diagnosis for the claim to be valid.
Key Features of a Critical Illness Rider
Here are some of the key features of a critical illness rider:
Lump Sum Benefit
The most important feature is the lump sum payout. You are not restricted to medical usage. This flexibility allows you to handle non-medical costs that often arise during long-term illness.
Coverage for Major Illnesses
Critical Illness Riders usually cover life-altering conditions such as cancer, heart attack, stroke, kidney failure and major organ transplants. The exact list varies across insurers, so reviewing covered conditions is essential.
One-Time Claim Structure
In most cases, once a claim is paid, the rider terminates. This is because it is designed to address high-impact illnesses rather than recurring medical needs.
Affordable Premium
Since it is an add-on, the premium is lower than that of standalone critical health insurance plans. This makes it a cost-effective way to enhance your existing health insurance policy.
No Hospitalisation Requirement
You don’t need to be hospitalised to receive the benefit. Diagnosis alone is enough to avail the benefits. But ensure that all the policy conditions are met.
Income Protection Support
During critical illness, loss of income can be more damaging than medical bills. The rider helps bridge this gap by offering financial stability when you need it most.
Who Should Consider a Critical Illness Rider
If you have dependents, loans or limited savings, this rider adds meaningful protection. It is also relevant if your employer-provided health insurance policy focuses mainly on hospitalisation and lacks income replacement support.
Conclusion
A Critical Illness rider strengthens your health insurance policy by covering financial gaps that regular medical coverage often ignores. It gives you control, flexibility and immediate support during serious health events. Before choosing one, review the list of covered illnesses, waiting periods and claim conditions carefully. When structured correctly, this rider can protect not just your health expenses but also your financial stability during challenging times.








