Critical Illness Insurance For Major Organ Transplantation

Our organs play a vital role in our body’s day to day functioning. Imagine a day without your crucial body organ, its threatening right? Such is the impact of organ failure, when any major organ behaves abnormally the entire body system suffers and affects your lifestyle drastically. Major organ transplantation is being successfully done all over the world, thanks to the advancement of medical science. In this process, an organ is harvested from the living or dead donor’s body and placed inside the recipient’s body. This can be done post conducting several tests to find out whether the donor and recipient are compatible for organ transplantation.

Transplantation can be done for organs such as heart, liver, kidney, lung, pancreas bone marrow and many more. An organ transplantation process involves a huge medical expense which ranges roughly about Rs. 5-20 lakhs. To meet these unexpected medical expenses, you either have to drain your savings, borrow funds or mortgage assets. Just to be prepared against such unprecedented health hazards, it’s always advisable to opt for organ transplantation health insurance cover.

There are high chances of complications during and after surgery. Continuous monitoring, investigations and treatment prevails post surgery and all this ultimately adds on to total hospitalization cost.

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 Major Organ Transplantation?

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.