If I die without claiming for any critical illness, what will happen to my critical illness insurance?

Depending on the terms and conditions of your policy, here’s what may happen:

You are diagnosed with a critical illness but don’t survive the waiting period.

In most policies, there are waiting periods after you are diagnosed with a covered illness. This is usually 14 days or 30 days after the diagnosis. If you survive the waiting period and die after this time, your designated beneficiaries (or your estate, if no beneficiaries are named) will receive the full benefit for the critical illness cover.
Now, if you die within the waiting period (i.e. you suffer from a massive stroke and die on the spot), what will be paid to your beneficiaries would be the refund of all the premiums that you have paid. This is when your policy has a return of premium feature.
You pass away but are not eligible to claim for critical illness benefits.

For instance, your death is caused by an accident or by an illness that is not covered by the policy. Again, if your policy has a return of premium feature, your beneficiaries will receive all the premiums paid while the policy is in force.
You are diagnosed with a critical illness and die, but your policy has already ceased to be in force or you cancelled the policy after a specified period (usually 30 days).

When this is the case, the insurance company may deny the claim, on the grounds that your policy was no longer in force when the diagnosis for critical illness was made.

Please note that the purpose of critical illness insurance is to protect you and your family and provide for your treatment, as well as the other needs of the family. If you are concerned about dying and how this can financially impact your family, then it is wise to consider a life insurance coverage. Admittedly, a life insurance policy should be the first policy you should get. Then, to further bolster your insurance protection, you can get a critical illness policy.

You can also consider getting a combined life and critical illness policy – that will pay the sum assured in the event of a critical illness diagnosis or death.

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