Critical Illness Insurance Policy - HDFC ERGO
Critical Illness Your companion in critical illness
  • - Covers 8 critical illness
  • - Provides a lump sum benefit on first diagnosis
  • - No health check-up
  • - Tax benefit U/s 80D*

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  • Coronary Artery Bypass Surgery

Coronary Artery Bypass Surgery

Coronary Artery Bypass Surgery or CABG is a type of surgery that improves the flow of blood to your heart. This surgery is advised when a waxy substance called plaque builds up inside the coronary arteries. These arteries supply oxygen-rich blood to your heart. Accumulation and hardening of plaque inside the arteries may reduce the flow of blood to the heart leading to discomfort or chest pain. During CABG, a healthy artery or vein is extracted from other body part and grafted to the blocked coronary artery for creating a new path ensuring the blood flows to the heart muscle. CABG is the most common open heart surgery performed. The recovery period varies from person to person. During this period the patient needs utmost care and attention. It impacts their ability to earn their livelihood for some time.

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 Coronary Artery Bypass Surgery?

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.

Exclusions and waiting periods for Critical illness health cover for Coronary Artery Bypass Surgery

The critical illness health insurance plan comes with certain exclusions. You will not be covered in the following situations:

  • Waiting period of 90 days
  • Patient above 65 years are not eligible
  • Act of foreign invasion or war
  • Angioplasty or any other intra-arterial procedures
  • Any key hole or laser surgery
  • Intentional self-injury or attempt to suicide
  • Involvement in military, air force, or naval operations
  • Participation in adventure sports like scuba diving and rock climbing

For a complete list of exclusions, kindly refer the policy wordings
"Note: The content is descriptive only. For actual coverage, kindly refer the policy document.

How much premium do I need to pay?

Critical Illness insurance premiums differ for individuals depending on the age, sum insured, and the selected coverage duration. To know, how much premium you will have to pay for a certain plan, simply use the online calculator available on HDFC ERGO’s website.

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