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Critical Illness Insurance For Benign Tumour


Benign brain tumour are a group of cells that that have abnormal cell division and growth patterns which gets developed into mass of cells that are not having cancerous characteristics. These tumours grow slowly and do not invade neighboring tissues or spread to other organs. Though benign tumour can be removed and chances of reoccurrence are scarce, it can be life threatening because they can compress brain tissue and other structures inside the skull. Depending upon the age of patient and location of tumour, several line of treatment is being suggested by the specialist.

A neurosurgeon may perform a surgery and remove the tumour, the goal is to remove the tumour without damaging surrounding tissues. It is a life threatening disease, which may lead to vision problem, loss of strength and speech difficulties. Struggling with a brain 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 insurance plan that covers medical expenses for treating such brain tumours.

Possible causes leading to Benign Tumour

  1. Environmental toxins, such as exposure to radiation
  2. Genetics
  3. Diet
  4. Stress
  5. Local trauma or injury
  6. Inflammation or infection

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 Benign Tumour?

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.

What does Critical illness insurance not cover?

Adventure Sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War
War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations
Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

Survival Period
Survival Period

The patient should survive for at least 30 days even if he diagnosed with a critical illness listed in the insurance cover.

First 90 Days From Policy Inception
First 90 Days From Policy Inception

We will entertain all claims post waiting period of 90 Days.

 

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Why choose HDFC ERGO General Insurance?

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All the support you need-24 x 7
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
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All the support you need-24 x 7
Transparency In Every Step!
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
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All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Go Paperless!
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?
Secured Over 1.6 Crore+ Smiles!

Secured Over 1.6 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Go Paperless!

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

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Frequently asked questions

Critical Illness Insurance is a policy that pays out a lump sum amount upto the sum insured upon diagnosis of a critical illness covered under the policy.
Critical Illness Insurance provides you and your family, the additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which could be used for: Costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.
Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.
The company will pay the sum insured as lump-sum on first diagnosis of any of the Critical Illness, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following Critical Illnesses are covered under our plan:- 1. Heart Attack (Myocardial Infarction) 2. Coronary Artery Bypass Surgery 3. Stroke 4. Cancer 5. Kidney Failure 6. Major Organ Transplantation 7. Multiple Sclerosis 8. Paralysis
Critical Illness policy covers individuals in the age group of 5 years to 65 years.
No pre-policy medical check up is required for individuals upto 45 years.
Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within 48 months prior to your first policy with the company.

Critical illness insurance Platinum Plan is a fixed benefit health insurance plan that offers coverage for life-threatening illnesses like benign brain tumor, upon diagnosis for the first time after inception of policy. A waiting period of first 90 days and a survival period of 30 days / 15 days is required to be fulfilled.

Critical illness insurance pays the sum insured as lump sum benefit which can be utilized for the medical expenses. Prolonged treatment and hospitalization require sound financial support which can be availed through critical illness insurance. Please note the admissibility of claim is subject to merits of the case and subject to policy terms and conditions.

Critical illness insurance Platinum Plan provides coverage for major medical illnesses like First Heart attack/ Myocardial Infarction, Stroke Resulting in Permanent Symptoms, cancer of specified severity, Surgery of Aorta, Benign Brain Tumor and other listed critical illnesses. Since most critical illnesses require expensive treatments, these policies help provide financial assistance that is required at the time of need.

The policy pays the sum insured as a lump sum benefit upon first diagnosis of benign brain tumor after the inception of policy. A waiting period of first 90 days and a survival period of 30 days / 15 days is required to be fulfilled as per the policy terms and conditions.

Following are the benefits of critical illness policy. The amount can be utilized for medical expenses which include MRI and CT scans for monitoring the growth of the tumor, or any other non-surgical treatments and surgical treatments. A lump-sum payout can be utilized for making up the income loss or to pay out the debt. The policy benefits you by helping to maintain financial stability.

Critical illness insurance platinum plan offered by HDFC ERGO General Insurance Company can be availed if you are between the age group of 5 years to 65 years. If you are above 45 years, you need to undergo a pre-policy medical check-up specified by the insurer at the empanelled diagnostic centers. If you are healthy and below 45 years of age, there are no medical check-ups needed to avail critical illness insurance policy for a benign tumor.

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