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Critical Illness Insurance for Major Organ Transplantation

Our organs play a vital role in our body’s day to day functioning. Imagine a day without your crucial body organ, its threatening right? Such is the impact of organ failure, when any major organ behaves abnormally the entire body system suffers and affects your lifestyle drastically. Major organ transplantation is being successfully done all over the world, thanks to the advancement of medical science. In this process, an organ is harvested from the living or dead donor’s body and placed inside the recipient’s body. This can be done post conducting several tests to find out whether the donor and recipient are compatible for organ transplantation.

Transplantation can be done for organs such as heart, liver, kidney, lung, pancreas bone marrow and many more. An organ transplantation process involves a huge medical expense which ranges roughly about Rs. 5-20 lakhs. To meet these unexpected medical expenses, you either have to drain your savings, borrow funds or mortgage assets. Just to be prepared against such unprecedented health hazards, it’s always advisable to opt for organ transplantation cover.

There are high chances of complications during and after surgery. Continuous monitoring, investigations and treatment prevails post surgery and all this ultimately adds on to total hospitalization cost.

Why is it important to opt for HDFC ERGO Critical illness Insurance Policy, even if you hold an indemnity health insurance plan?

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.

Why Choose HDFC ERGO’s Critical Illness Plan for Major Organ Transplantation ?

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.

Benefits of buying Critical Illness Insurance for Major Organ Transplantation

Safeguards your finances

Your treatment will have little or no impact on your hard-earned savings as the insurance will take care of the hospital bills.

Ensures quality medical treatment

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.

Free Look Period

We provide a free look period of 15 days starting from the date of receipt of the policy document.

Lifetime Renewability

The policy can be renewed for a lifetime period

No medical Check-ups

No medical check-ups up to the age of 45 years.

Tax saving under section 80D

Taking this insurance will also give you tax benefits and you can save tax up to *Rs. 70,000.

What's not included

Adventure Sport injuries

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.

Self-inflicted injuries

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

War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.

Participation in defense operations

Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases

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

Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.

Waiting Periods

Survival Period

The patient should survive for at least 30 days even if he diagnosed with a critical illness listed in the insurance cover.

First 90 Days from Policy Inception

We will entertain all claims post waiting period of 90 Days. Disclaimer: For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Frequently asked questions

1.What is a Critical Illness Insurance?

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.

2.Why should I purchase Critical Illness Insurance?

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.

3.What is a Benefit Policy?

Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.

4.What are the benefits under this policy?

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

5.What are the available plans under this policy?

You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.

6.Is there any eligibility criteria for purchasing this policy?

Critical Illness policy covers individuals in the age group of 5 years to 65 years.

7.Do I need to undergo medical tests to enroll myself for this policy?

No pre-policy medical check up is required for individuals upto 45 years.

8.What kind of documentation is required?

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.

9.Is there any tax exemption under the policy?

You can avail upto ₹ 75,000*as tax benefit under 'Section 80 D'.

10.What do you mean by pre-existing Diseases?

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.

11.What is meant by disease?

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.

12.Can I make multiple claims for same or any other listed Critical illnesses?

No, you can make only one claim during the lifetime of the policy.



*Subject to change as per Tax Laws in India. Critical Illness Insurance: HDFHLIP10002V010910.

Terms and Conditions Applied. #1 Crore+ Active Customers upto September -2019© HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. CIN: U66030MH2007PLC177117.