Knowledge Centre

Critical Illness Insurance for Organ Transplant

Critical illness is an illness or disease that can deeply impact your physical and emotional well being. It can also be life threatening.  Some of the diseases that come under critical illness are cancer, heart attack/stroke, kidney failure etc.

Very often critical illness arises out of organ failure and can only be treated with an organ transplant. Organ transplant is the surgical procedure in which a healthy organ from one person is removed and transplanted into another person. Organ transplants can be for kidney, pancreas,  liver, heart, lung, and intestine.  In such cases, one can be catapulted into financial and emotional distress and this is where HDFC ERGO critical illness insurance can be a robust source of support.

We, at HDFC ERGO, curate policies that are life savers in the unfortunate event of critical illness diagnosis.

The critical illness covered under HDFC Silver policy are:

  • Heart attack
  • Multiple sclerosis
  • Stroke
  • Cancer
  • Major organ transplantation
  • Coronary Artery Bypass Surgery
  • Paralysis
  • Kidney Failure

The critical Illness covered under HDFC Platinum policy are:

  • Heart Attack
  • Multiple Sclerosis
  • Stroke
  • Caner
  • Major Organ Transplantation
  • Coronary Artery Bypass Surgery
  • Paralysis
  • Kidney failure
  • Aorta Graft Surgery
  • Primary Pulmonary Arterial Hypertension
  • Heart Valve Replacement
  • Parkinson's Disease
  • Alzheimer's Disease
  • End Stage Liver Disease
  • Benign Brain Tumor

When it comes to organ transplant, the threat to the patient’s life is overwhelming and a policy to empower you to fight this threat can make life so much easier.

Here are some of the unparalleled benefits and features that can provide solace:

  1. The company will pay the sum insured as lump sum of first diagnosis of any one of the critical illnesses mentioned above, provided the insured person survives 30 days from the first diagnosis.
  2.  The cover ranging from INR 5,00,000 to INR 20,00,000 can be used for:
  • Care and treatment
  • Recuperation aids
  • Paying off debts, if any
  • Change in lifestyle
  1. Any person belonging to the age group of 5 -65 can be covered under this policy. Children between 5-18 years can be covered only when both the parents are also covered.
  2. Provides tax benefit under Section 80D.  
  3. Free look period of 15 days from the date of receipt of the policy document to review the terms and conditions of this policy.

After weighing the critical illness insurance pros and cons, you can buy the policy in 3 easy steps.

Visit HDFC website. Use the online calculator to know about the premium estimate for the chosen policy and simply buy the policy instantly without any medical tests. With HDFC ERGO critical insurance for organ transplants, you can be prepared for the occurrence of critical illnesses.

Awards & Recognition