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Critical Illness Insurance For End Stage Liver Disease


Liver plays an important role in the bodily functions such as protein production, blood clotting to glucose, sugar, iron and metabolism; hence it is called as ‘Laboratory of the body’. It is the largest internal organ and gland in the human body and weighs approximately 3-3.5 lbs, liver also has regenerative properties. However, due to viral hepatitis, autoimmune disorders, cancer, obesity, alcohol, drugs, toxins and genetic disorders, liver may get completely damaged to such an extent that it becomes impossible to reverse the damages.

In such circumstances, liver transplantation is the only way to treat the patient. End stage liver disease, if left untreated may prove fatal leading to death. At present, the cost of liver transplantation could vary from Rs. 5 lakhs to 30 lakhs depending upon the medical procedures (Source: National Center for Biotechnology Information). Incurring such an exorbitant expense may create tremendous financial pressure. To prepare yourself against such health uncertainties in life, it is highly advisable to opt for critical illness cover. Struggling with a chronic 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 plan that covers medical expenses for treating stroke and related health issues.

Symptoms of end-stage liver disease may include:

  1. Bleeding or bruising
  2. Loss of appetite
  3. Nausea
  4. Lack of concentration and memory
  5. Swelling due to fluid build up
  6. Jaundice symptoms (Yellowing of eyes and skin)

Permanent and irreversible failure of liver function that has resulted in all three of the following:

  1. Permanent jaundice
  2. Ascites
  3. Hepatic encephalopathy

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 End Stage Liver Disease?

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.

What does Critical illness insurance not cover?

Adventure Sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War
War

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

Participation in defense operations
Participation in defense operations

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

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

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

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

Survival Period
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
First 90 Days From Policy Inception

We will entertain all claims post waiting period of 90 Days.

 

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Why choose HDFC ERGO General Insurance?

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Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
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All the support you need-24 x 7
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
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Transparency In Every Step!
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
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All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Secured Over 1.5 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Go Paperless!
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?
Secured Over 1.5 Crore+ Smiles!

Secured Over 1.5 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Go Paperless!

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

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Frequently asked questions

Liver diseases can become fatal if left untreated. Critical illness insurance for end-stage liver disease is a benefit plan that pays out a lump sum amount equivalent to the amount of sum insured chosen on the first diagnosis of end-stage liver disease. The lump-sum benefit received can be utilized for the medical expenses and to pay for the liver transplant. Hospitalization costs can also be covered as most of them cannot be covered under the regular indemnity health insurance plan. It can also be utilized to cover the income losses caused due to hospitalization.

The cost of liver transplants and treatment for end-stage liver disease is extremely high. The cost of a liver transplant alone may cost up to INR 20 lakhs to 25 lakhs. Coverage availed through critical illness insurance for end-stage liver disease can benefit in many ways mentioned below.

• The lump-sum benefit paid out can be utilized for expenses related to liver transplant surgery, hospitalization, and also for post-transplant medication.

• The sum insured can be utilized to replace the lost income during the period of treatment and recovery.

• The premium paid towards the policy qualifies for tax deduction under Section 80D of the Income Tax Act, 1961.

Critical Illness policy covers individuals in the age group of 5 years to 65 years.
You can avail upto ^^Rs.50,000 as tax benefit under 'Section 80 D'.
In case of a claim under the Policy, you should immediately intimate us on our helpline numbers. On receipt of the intimation, we would register the claim and assign a unique claim reference number which would be communicated to the Insured which may be used for all future correspondence.

Disclaimer: The assessment of the case depends on the complete terms and conditions of the policy. Refer the complete policy terms for further clarity

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