Kidney is a bean shaped organ present in pair that helps in filtering toxins from the blood and passes waste in the form of urine from the ureter into the bladder. It also regulates blood pressure and maintains water balance. When a single kidney or the pair fails to perform this crucial functionality in the body, it leads to life threatening effects. Such a disorder or condition of the kidney is known as end stage renal disease or kidney failure, which either requires regular dialysis or kidney transplantation. Long standing Diabetes Mellitus and hypertension are the most common causes for this condition.
As per the Indian Renal Foundation, the cost of getting haemodialysis (12 dialysis / month) is around Rs. 12-15,000/- per month whereas for peritoneal dialysis it is around Rs. 18 to 20,000/- per month. In case of transplantation the patient has to shed around Rs. 4 lakhs on an average, plus post-transplantation medication and treatment requiring another Rs. 15-20 thousand rupees. In case of a kidney failure, bearing such a huge medical expense becomes difficult. Undergoing kidney dialysis or transplantation would not only wash away your accumulated savings but also lay emotional stress on your family members.
Critical illness policy is a benefit-plan unlike the conventional indemnity health insurance plans. A lump sum amount (Sum Insured) is paid just upon diagnosis of any of the listed Critical Illness covered in the Policy. In case, your treating doctor recommends a certain line of treatment, critical illness plan by HDFC Ergo will give you a lump sum benefit in one transaction that may be used to pay for the treatment, care, and recovery. The money may also be useful for paying off debts, substituting lost income, or even in adapting to lifestyle changes in some cases. Treating a critical illness may drain away your savings, restrict you from working and earning and affect your routine lifestyle, hence a lump sum benefit in one single transaction up to your opted cover is best for during tough times. Your existing health cover or employee health insurance may cover your medical expenses up to a certain extent, however critical illness cover will offer you a lump sum benefit in one single transaction on first diagnosis or advice issued by a medical practitioner.
You may concentrate on your health, while HDFC ERGO Critical Illness cover takes care of the funds. Apart from this, the insurer will also offer monetary support to your family, in case you are busy getting a treatment and there is a loss of income. The lump sum amount is paid in one single transaction on the first diagnosis after a survival period of 30 days. This lump sum amount can be utilized for care and treatment, recuperation aids, paying off debts or fund any lost income due to a decreasing ability to earn. Additionally, by opting for critical illness health covers you can also enjoy tax benefits under section 80D.
Your treatment will have little or no impact on your hard-earned savings as the insurance will take care of the hospital bills.
You won’t have to worry about not being able to afford the medical expenses at quality hospitals. Courtesy the insurance, you can get the best treatment available that will get you up and running in no time.
We provide a free look period of 15 days starting from the date of receipt of the policy document.
The policy can be renewed for a lifetime period
No medical check-ups up to the age of 45 years.
Taking this insurance will also give you tax benefits and you can save tax up to *Rs. 70,000.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our health insurance plan does not cover self-imposed injuries.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.
Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
The patient should survive for at least 30 days even if he diagnosed with a critical illness listed in the insurance cover.
We will entertain all claims post waiting period of 90 Days. Disclaimer: For detailed inclusion and exclusion please refer the sales brochure/policy wordings
Critical Illness Insurance is a policy that pays out a lump sum amount upto the sum insured upon diagnosis of a critical illness covered under the policy.
The policy provides a lump sum amount which could be used for: Costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.
Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.
The company will pay the sum insured as lump-sum on first diagnosis of any of the Critical Illness, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following Critical Illnesses are covered under our plan:-
1. Heart Attack (Myocardial Infarction)
2. Coronary Artery Bypass Surgery
3. Stroke
4. Cancer
5. Kidney Failure
6. Major Organ Transplantation
7. Multiple Sclerosis
8. Paralysis
You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.
Critical Illness policy covers individuals in the age group of 5 years to 65 years.
No pre-policy medical check up is required for individuals upto 45 years.
The best part of this policy is that you do not require to submit any documentation. Simply fill the details online and make payment via multiple secured payment modes. In case of a pre-existing disease, you might have to submit relevant medical documents.
You can avail upto ₹ 75,000*as tax benefit under 'Section 80 D'.
Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within 48 months prior to your first policy with the company.
Disease means a pathological condition of a part, organ, or system resulting from various causes, such as infection, pathological process, or environmental stress, and characterized by an identifiable group of signs or symptoms.
No, you can make only one claim during the lifetime of the policy.