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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Kidney Failure

Kidney is a pair of bean shaped organ that helps in filtering toxins from the blood, it passes the waste in the form of urine from the ureter into the bladder. It also regulates blood pressure and maintains water balance. When a single kidney or the pair fails to perform this crucial functionality in the body, it leads to life threatening effects. Such a disorder or condition of the kidney is known as end stage renal disease or kidney failure, which either requires regular dialysis or kidney transplantation. Long standing Diabetes Mellitus and hypertension are the most common causes for this condition.

As per the Indian Renal Foundation, the cost of getting haemodialysis (12 dialysis / month) is around Rs. 12-15,000/- per month whereas for peritoneal dialysis it is around Rs. 18 to 20,000/- per month. In case of transplantation the patient has to shed around 4 lakhs on an average, plus post-transplantation medication and treatment requiring another 15-20 thousand rupees. In case of a kidney failure, bearing such a huge medical expense becomes difficult. Undergoing kidney dialysis or transplantation would not only wash away your accumulated savings but also lay emotional stress on your family members.

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 Kidney Failure?

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 Kidney Failure

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.

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