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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.

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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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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Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
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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.
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Transparency In Every Step!
Integrated Wellness App.
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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 for major organ transplantation is a fixed benefit plan that pays out one-time benefits on the diagnosis of any crucial body organ failure or dysfunction that requires major organ transplantation as a solution. The actual undergoing of transplantation of one of the following human organs: heart, lung, liver, pancreas, kidney that resulted from irreversible end stage failure of the relevant organ or human bone marrow using hematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist Medical Practitioner. The entire amount in a fixed benefit plan is paid in a lump sum that can be utilized for any reason, such as associated costs for organ transplant surgery.

If any major organ such as the heart, lungs, liver, kidney, pancreas, etc. needs to be transplanted, the treatment costs for such medical procedures can derail your financial stability. Hence, it is important to have critical illness insurance for major organ transplantation that can provide financial support at the right time.

Organ transplant is a surgical procedure that involves the removal of a healthy vital organ from one person (donor) and transplant/placing it into a person whose organ has been failed or injured. Major organ transplantation is done for the kidney, heart, lungs, liver, pancreas, and intestine.

An organ received from any deceased and living donors firstly need to be matched based on various characteristics and parameters before placing it into the potential recipient. However, the surgery carries certain risks such as organ rejection by the recipient’s body as well.

Major organ transplantation can be emotionally and financially exhausting for the affected family. Having financial protection in the form of critical illness insurance for major organ transplantation can help in a big way.

Medical conditions like diabetes and hypertension have become extremely common these days due to unhealthy lifestyles, lack of exercise, and stress. Diabetes and hypertension are the main cause of the failure of many vital organs like the heart, kidney, lungs, pancreas, liver, etc.

An optimal solution for these organ failures or injuries is only major organ transplantation which is extremely expensive. To get the treatment at the right time, it is important to have financial support. Thus, every breadwinner must think of their family and buy critical illness cover for major organ transplantation.

You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.
The best part of this policy is that you do not require to submit any documentation. Simply fill the details online and make payment via multiple secured payment modes. In case of a pre-existing disease, you might have to submit relevant medical documents.

Disclaimer: The assessment of the case depends on the complete terms and conditions of the policy. Refer the complete policy terms for further clarity

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