MAM
Citizen Dentsu wins Indian Army account
MUMBAI: Citizen Dentsu, a division of Dentsu Communications, has won the Indian Army mandate. The account was won after multi agency pitch. Citizen Dentsu senior VP and head Rajendra Singh and his team will lead the business.
Commenting on the win, Singh said, “Here‘s a true example of working on a cause that one truly admires and respects. No soft stuff here. Apart from the pleasure of dealing with real gentlemen officers as clients, it‘s a matter of honour to contribute towards strengthening the security and defence of the country. The team is super excited.”
Citizen Dentsu‘s mandate is to create a holistic comprehensive communication package for the Indian Army. Their endeavour will be to project the Indian Army as a prestigious, aspirational and exciting career prospect for the youth in the country. Citizen Dentsu was chosen as a partner basis their expertise in creating relevant hard hitting campaigns with a differentiated creative solutions approach.
Dentsu India Group executive chairman Rohit Ohri said, “We‘ve set up Citizen Dentsu with a vision to help trigger positive social change through integrated communications. It‘s a matter of great pride for Citizen Dentsu to be appointed as communication partner to the Indian Army. Cutting edge technologies will underpin our integrated communication approach for the Indian Army campaign.”
Commenting on winning the account Dentsu Communications CEO Arijit Ray said, “This is the first big win for Citizen Dentsu in 2013. And a well deserved one for the team, since it involved 8 agencies. We are absolutely delighted that we have got the opportunity to work on an assignment as worthy as this. I am sure the team at Citizen Dentsu under Rajendra‘s leadership will work towards building on this and win many more such prestigious mandates.”
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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.
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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.
