Need Dialysis Cover? Check These Critical Illness Plans

Critical illnesses are hard to deal with, both mentally and physically. Medical expenses for critical illnesses make it even more difficult for an individual to sustain their financial stability and peace of mind.

Cancer, Paralysis, Stroke, Heart Attack, are a few critical illnesses that policies cover in general. Kidney Failure Requiring Regular Dialysis also features in the vast list of common critical illnesses that many critical illness plans cover.

If looking for critical illness plans with dialysis cover to deal with kidney failure or transplantation, without losing your savings, check the list forthwith - 

1. Bajaj Allianz Critical Illness Insurance Policy

Critical Illness Health insurance plan by Bajaj Allianz offers the policyholder coverage against 10 critical illnesses, which are, Cancer, stroke, CABG, first heart attack, multiple sclerosis, pulmonary arterial hypertension, paralysis of limbs, major organ transplantation and kidney failure. It is a customer oriented health insurance plan that provides financial assistance to the policyholder in case any unforeseen healthcare emergency arises or if the policyholder gets diagnosed with any of the mentioned critical illnesses.

Key Features:

• Annual policy 
• Covers 10 critical illnesses including Kidney Failure Requiring Regular Dialysis
• Entry age - Proposer/Spouse (18 years to 65 years), Dependent Children (6 years to 21 years)
• Sum insured options - Rs. 1 Lakh to Rs. 50 Lakh for age group 6 years to 60 years; Rs. 1 Lakh to Rs. 5 Lakh for age group 61 years to 65 years
• Pre-medical test criteria - Based on age, sum insured opted and adverse health declaration
• Loading - Min 10% to Max 150%
• Waiting period - 90 days

2. Bharti AXA SmartHealth Critical Illness Insurance Policy  

SmartHealth Critical Illness Health Insurance Plan is a comprehensive health insurance plan offered by Bharti AXA General Insurance Company.  The plan offers coverage for 20 major critical illnesses including stroke, kidney failure, cancer, Coma, major burns, bypass surgery, coronary artery, etc.  Under the plan, the policyholder gets covered against all the expenses that are incurred due to any critical illnesses.

Key Features:

• Lifelong renewal
• Covers 20 critical illnesses comprising Kidney Failure Requiring Regular Dialysis (Among the HIGHEST IN INDIA)
• Entry age - Anyone in the age group 3 months to 55 years. Children aged 90 days up to 5 years can be covered 
• Sum insured options - Rs. 2 Lakh to Rs. 5 Lakh
• No medical check-up required up to 45 years or below
• Additional benefits - Hospital Cash Allowance, Home Nursing, Ambulance Charges In-patient Physiotherapy, and others 
• Renewal discount - 5% for every claim-free year, up to a maximum of 25%

3. HDFC Ergo Critical Illness Insurance  

HDFC Ergo Critical Illness health insurance policy offers the policyholders with much needed financial assistance and peace of mind during any uncertain times. This plan is an ideal choice for any individual, who is coping with any critical life threatening illness and at the same time, they  are worried about their finances. Under the plan, the  policyholder receives lump sum benefit( up to the chosen sum insured) upon their first diagnosis and a minimum survival duration.

Key Features:

• Available for 1 year or 2 years 
• Covers a total of 15 critical illnesses (including Kidney Failure Requiring Regular Dialysis) under its Silver and Platinum variants
• Entry age - 5 years to 65 years 
• Sum insured options - Rs. 5 Lakh to Rs. 10 Lakh
• No pre-policy medical check up required for individuals up to 45 years of age 
• Lump sum amount paid in a single transaction upon the first diagnosis of any of the critical illness covered
• Survival period - 30 days

4. Max Bupa CritiCare

Max Bupa Criticare health insurance plan is well-known for offering financial assistance to the policyholder in case they get diagnosed with any of the policy listed critical illnesses. The policy is designed specially keeping in mind to help the policyholder in organizing their savings, so that it does not get drained in covering from medical expenses arising due to any critical illness.

Key Features:

• Lifelong renewal
• Policy tenure - 1 year, 2 years or 3 years
• Coverage for 20 critical illnesses including Kidney Failure Requiring Regular Dialysis
• Entry age - 2 years to 65 years
• Sum insured options - Rs. 3 Lakh to Rs. 2 Crore
• Benefit options - Sum insured payable as lump sum or Sum insured payable as lump sum + additional 10% of sum insured payable every year for subsequent 5 years
• Direct claim settlement without the need of a TPA

5. TATA AIG Critical Illness Policy  

Critical illness plan by TATA AIG is a health insurance policy offering coverage for 11 major critical illnesses and healthcare procedures involved. A lump sum benefit is paid to the policyholder if the insured individual is diagnosed with any of the covered illnesses or in case they undergo any of the covered procedures. Moreover, the policyholder is eligible to receive tax deductions under section 80D of the Income Tax Act for the premiums paid against the health insurance plan.

Key Features:

• Available on individual sum insured basis only
• Policy period - 1 year 
• Coverage for 11 critical illnesses including Kidney Failure Requiring Regular Dialysis
• Entry age - 18 years to 65 years 
• Sum insured options - Rs. 1 Lakh to Rs. 15 Lakh
• No pre-entrance medical examination required
• Second Opinion Benefit covered (if policy is in force & insured is diagnosed with any of critical illnesses covered) 

 Now that you have five options, choose one of the best critical illness plans with dialysis cover that is perfect as per your needs. 

Remember to read the Policy Wordings before finalising. 

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To explore each plan, feel free to call InsuranceDekho experts at 18001205698.