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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Parkinsons Disease

Parkinson’s disease is the second most commonly occurring neurodegenerative disorder, which affects dopamine-producing (“dopaminergic”) neurons in a specific area of the brain called Substantia Nigra. In simple terms, it affects the nerve cells in the brain that produce Dopamine(Dopamine is a neurotransmitter  (chemical) releases by the nerve cells to send signals to other nerve cells).This disease can occur with no cause ever, ie. Idiopathic. Parkinson’s disease shows symptoms such as muscle rigidity, tremors, and changes in speech and gait. Post diagnosis, treatments can relieve symptoms, but it cannot be cured. The only way to give a better life to the patient suffering from this crippling disease is to provide adequate care, preferably by trained caregivers and medical practitioners.

Although Parkinson's disease is diagnosed when one grows 60 years or older, early detection is also possible in some cases. Patient suffering from this disease may find it difficult to walk, talk, and complete simple tasks. An individual suffering from this disease may never be able to get back to his/her usual routine or perform tasks like a normal person. Parkinson’s disease not only affects the patient but also leaves deep impacts on the family both financially and emotionally.

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 Parkinson’s 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 Parkinson’s 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.