The diagnosis of a critical illness for you or a family member could be one of the most difficult moments of your life. What could worsen the situation would be the unavailability of the requisite funds for treatment costs and the associated expenses. And it's a known fact that all quality medical treatment costs for critical illnesses have become quite steep.
HDFC ERGO's Critical Illness Insurance Policy is designed specifically to
cater to your requirements during these decisive moments.. We provide a lump
sum payment on the very first diagnosis to ensure that you can avail of the
best treatment available. Coupled with our easy and hassle free claims process
you can now make sure that you spend these important moments with your loved
ones rather than staying away, arranging for funds.
Benefits:
We provide a lump sum
benefit which can pay for the following:
Costs for the care and treatment
Recuperation aid
Debts pay off
Lost income due to a decreasing ability to earn
Funds for a medically advised change in lifestyle.
Income Tax Benefit Under Section 80D of the Income Tax Act
Coverage :
We provides a Lump Sum Benefit on the first diagnosis after a 30 Day Survival period for any one of the 8 Critical Illnesses covered under the plan.
Critical
Illness covered
Silver
Heart Attack
(Myocardial Infarction)
Yes
Coronary Artery
Bypass Surgery
Yes
Stroke
Yes
Cancer
Yes
Kidney Failure
Yes
Major Organ Transplantation
Yes
Multiple Sclerosis
Yes
Paralysis
Yes
Exclusions:
90 days waiting period
War or any act of war, invasion, act of a foreign enemy, war like operations.
Criminal or unlawful act, or intentional self injury or attempted suicide while sane or insane
Participation or involvement in a naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing
Drugs and alcohol related complications
Venereal disease,AIDS (Acquired Immune Deficiency Syndrome) and/or infection with HIV
Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)
*Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings.
*This content is descriptive only. Actual coverage is subject to language policy issued.
