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Critical Illness Insurance For Paralysis


Paralysis is a loss of muscle function in part of your body which can be temporary or permanent and partial or complete. It can happen to any part of your body at any time of your life. If you experience permanent paralysis of limbs due to injury or disease of the brain or spinal cord you’ll lose sensation in the limbs. At times, a tingling sensation may occur before paralysis sets in. Permanent paralysis of lower limbs makes it difficult to control and move.

Stroke, peripheral neuropathy or multiple sclerosis may also lead to permanent paralysis. Struggling with a paralysis 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 permanent paralysis and related health issues.

Types of Paralysis

Flaccid paralysis may cause your muscles to shrink and become flabby. It results in muscle weakness. However, spastic paralysis involves tight and hard muscles. It can cause your muscles to twitch uncontrollably, or spasm.

How can be paralysis treated?

Depending upon the severity of permanent paralysis, doctor may advise the following line of treatment:

  1. Medical Management
  2. Physical and occupational therapy

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 Paralysis ?

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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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.
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All the support you need-24 x 7
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 paralysis is a fixed benefit health insurance plan that payout the lump sum benefits that totals to the sum insured chosen by the policyholder on the first diagnosis of the paralysis. Paralysis is a critical medical situation in which the person experiences the loss of functioning of body muscles. There are various causes of this medical condition. But paralysis and related complications can dramatically impact a person’s quality of life and day-to-day activities. Payouts by critical illness insurance for paralysis can be utilized for paying out long-treatment expenses, replacing the income loss due to disability, and also can be utilized for various requirements.
Critical illness insurance for paralysis can benefit you in many ways by paying out the lump sum on diagnosis. Following are the benefits of the policy:
▪ Lump-sum money helps in availing the quality treatment on time. Paralysis needs immediate medical attention and treatment. Treatments like physiotherapy and hospitalization needed for paralysis-related complications cost a huge amount. Benefits paid out by the policy can help you maintain financial stability in such a situation of need for continuous and lifetime medical attention.
▪ Paralysis mainly affects the quality of life and the ability to perform day-to-day activities. Income loss can become huge stress. Policy payout can be substituted for the same.
You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.
Critical Illness policy covers individuals in the age group of 5 years to 65 years.
You can avail upto ^^Rs.50,000 as tax benefit under 'Section 80 D'.

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

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