Critical Illness Insurance For Benign Tumour

Benign brain tumour are a group of cells that that have abnormal cell division and growth patterns which gets developed into mass of cells that are not having cancerous characteristics. These tumours grow slowly and do not invade neighboring tissues or spread to other organs. Though benign tumour can be removed and chances of reoccurrence are scarce, it can be life threatening because they can compress brain tissue and other structures inside the skull. Depending upon the age of patient and location of tumour, several line of treatment is being suggested by the specialist.

A neurosurgeon may perform a surgery and remove the tumour, the goal is to remove the tumour without damaging surrounding tissues. It is a life threatening disease, which may lead to vision problem, loss of strength and speech difficulties. Struggling with a brain disease is not easy. And, you will want your family to stand together for you at such a time instead of being caught up in managing funds. Hence, it is advisable to opt for Critical Illness health insurance plan that covers medical expenses for treating such brain tumours.

Possible causes leading to Benign Tumour

1. Environmental toxins, such as exposure to radiation
2. Genetics
3. Diet
4. Stress
5. Local trauma or injury
6. Inflammation or infection

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 Benign Tumour?

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.