MAM
Dettol’s new awareness campaign shot in the work from home model
MUMBAI: Dettol has launched a COVID 19 public service announcement. The advertisement is thoroughly filmed inhouse to drive home a point, in a simple illustrative manner on how a soap keeps germs away, during the lockdown while maintaining all precautions including social distancing. Practicing hand washing for 20 seconds is one of the best preventive measures to avoid the spread of viruses as recommended by WHO.
In the ongoing battle to contain the spread of COVID-19, every measure will help to prevent its spread, from border controls to social distancing recommendations and even personal hygiene habits. Washing hands with soap has gained even more importance and critical focus as we collectively deal with a pandemic. Doctors, leading health experts and medical associations, the world over, are stressing on the need for hand hygiene.
Commenting on the launch, RB Health South Asia SVP Gaurav Jain said, “In a difficult environment, Dettol as India's trusted germ protection brand, has a duty to shape the right personal hygiene habits. Handwashing with any soaps is an easily accessible and highly effective method to prevent the spread of germs and virus. Towards this, Prasoon and Mccann India did a great job shooting this innovatively and responsibly – keeping the thought of "social distancing" front and center. I extend my heartfelt thanks to them to be able to get this important message out in this time of need.”
Amidst the nationwide lockdown, the advertisement is shot throughout on mobile phones with minimal use of equipment and the cast being family members of the creative team. This output is a collaborative effort of teams within RB, Mccann India. Remarkably, even the post-production of the video was done by an editor and music composer from their respective homes and the grading was done on remote from Poland.
Commenting on the same McCann Worldgroup CEO and COO Prasoon Joshi said, “We are living in testing times, on one hand we have to make sure we strictly adhere to the guideline of staying at home at same time we need to find innovative ways of contributing from home, this is an example of the same.”
Link of TVC: https://youtu.be/R6tHdgHlMFs
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.
