Primary Pulmonary Arterial Hypertension - Critical Illness

Primary Pulmonary Arterial Hypertension (PAH) is a life threatening disease characterized by elevated pulmonary artery pressure with no apparent cause. It is different from having regular high blood pressure. Pulmonary arteries are the blood vessels that carry blood from the right side of the heart through the lungs. Doctors may prescribe medications that can help relax blood vessels or reduce excess cell growth within your arteries; however the disease is beyond cure. PAH usually affects woman between the age group of 30-60 years, while some individuals lead a normal life due to mild symptoms.

Shortness of breath, chest pain, fatigue, swelling of the ankles and legs are few presenting symptoms. As per National Organisation for Rare Disorders, approximately 15-20% of patients with PAH have heritable PAH. However, there could be several other factors that may trigger PAH. Struggling with a heart 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 plan that covers medical expenses for Primary Pulmonary Arterial Hypertension.

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 Primary Pulmonary Arterial Hypertension?

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.