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Critical Illnesses Covered Under HDFC Term Insurance

Imagine finding that your family members or you are going through a condition of critical illness. Imagine the trauma, the pain, the stress, and the emotional difficulties that accomplish such severe news. Such a case can halt your important life moments. Now just imagine the pressure to pay large amounts for the treatment of critical illness. Fortunately, HDFC Life is one such company that can help you in such critical times.

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With an additional benefits cover of critical illness, you can provide security to yourself and your family.

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You can easily opt for a specially designed HDFC term insurance plan that covers the following critical illnesses:

Critical Illnesses Covered Under HDFC Term Insurance
Cancer of Specified Severity Major Head Trauma
Myocardial Infarction- First heart attack of specified severity Primary Pulmonary Hypertension
Open Heart Replacement or Repair of Heart Valves Third Degree Burns
Kidney Failure Requiring Regular Dialysis Alzheimer’s disease
Major Organ/Bone Marrow Transplant Aplastic Anaemia
Coronary Artery Bypass Graft (open keyhole or minimally invasive or Robotic Cardiac, CABG Medullary Cystic Kidney Disease
Multiple Sclerosis with persisting symptoms Parkinson’s disease
Coma of specified severity Systemic Lupus Erythematosus, SLE with Lupus Nephritis
Permanent paralysis of Limbs Apallic Syndrome
Motor Neuron Disease with Permanent Symptoms Brain Surgery
Benign Brain Tumor Major Surgery of Aorta
Blindness Fulminant Viral Hepatitis
Deafness Muscular dystrophy
End-Stage Lung Failure Cardiomyopathy
End-Stage Liver Failure Pneumonectomy
Loss of Speech Poliomyelitis
Loss of Limbs Progressive Scledoma
Severe Rheumatoid Arthritis

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How Does HDFC Critical Illness Cover Work?

Under this cover, the policyholder gets a lump sum amount on the diagnosis of a critical illness specified in the plan. As per the T&Cs of the policy, upon detection of critical ailment may either terminate or continue. Hence, it is significant to check the amount of coverage before choosing the rider. HDFC has come up with a unique critical illness rider that involves lifestyle disease also. Apart from this, the policyholder can also opt for the benefit of hospitalization & non-hospitalization costs.

Benefits of Buying Term Insurance with Critical Illness Rider

Various individuals opt for a term plan with critical illness cover because of several benefits. Following are the five reasons for buying a term insurance plan with critical illness benefits.

  1. The Premium Amount Remains the Same

    Once you have applied for a term plan with critical illness cover, the premium amount remains the same throughout the policy term. This simply means that the premium amount doesn’t increase once you have been diagnosed with a critical ailment. In addition to this, insurers waive off any future premium amount on the diagnosis of a critical ailment.

  2. Tax Benefits

    The premium amount paid towards a term insurance plan is entitled to tax benefits u/s 80C of the ITA, 1961. Additionally, the amount paid towards premium amount up to Rs.1.5 Lakhs is deducted from your taxable salary. Moreover, the benefits received from this policy are exempted from u/s 10(10D) of ITA.

  3. Coverage of Medical Expenditures

    As we all know health care costs are rising day by day, so it becomes necessary that you are sufficiently covered through an insurance policy to avoid extra expenses. Buying a critical illness rider with your HDFC Term insurance plan helps you cover all the medical-related expenses. Moreover, the lump sum amount offered by the insurance company may be used to cover daily expenditures also.

  4. Increased Survival Chances

    Individuals with critical illnesses don’t undergo treatment because of a lack of funds. With no right treatment, the chances of death also increase. So, with the help of an HDFC Critical illness cover, you may get timely funds to undergo the required treatment, thus increasing the probability of survival.

Points to Keep in Mind While Buying HDFC Critical Illness Cover

  • If the maximum term of the plan is 30 years then the term coverage continues even after claiming the benefit

  • Save Taxes u/s 80C and 80D of ITA, 1961

  • The amount of benefit that is paid is equivalent to the critical illness benefit that the life assured has selected

  • The total amount of life covered as chosen in the policy is paid in case of total permanent disability or death of the policyholder.

  • No minimum survival tenure and the benefit is paid instantly based on the 1st diagnosis of critical illness

  • The death claim can be settled within 21 days of receiving the receipt of all important documents

  • A policyholder can easily buy a plan online by paying premiums in installments

Wrapping It Up!

When it comes to life, it is a smart idea to prepare for the worst and hope for the best and you can do this by purchasing a critical illness cover with term insurance for yourself and your loved ones. Remember all the above-mentioned points so that you can make an informed decision.

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