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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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 5 lakhs to 30 lakhs depending upon the medical procedures. 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.

Let’s take a look at the symptoms that show early signs of end stage liver failure:

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.

Exclusions and waiting periods for Critical illness health cover for End Stage Liver Disease

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
  • 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.