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What must you know about disease and disability cover in India

May 24, 2019 1576
In India, as elsewhere, the rate of medical issues and general diseases has emerged as a big cause of concern. Given the rising medical costs and inflation in healthcare segment, this proves to be a severe stress for the patient's family. Depending on the severity of the disease, it may be classified as critical or generalIn the event of any family member becoming a victim, important life goals have to be put on hold for meeting the urgent requirement of treatment. This is also the case if there is any unforeseen tragedy like a breadwinner getting affected by a critical illness or becoming a victim of permanent or severely debilitating disability.

Life is full of unforeseen circumstances and therefore, it is very essential that we remain financially prepared at all times. Having an extensive cover against any eventuality allows you to focus on the present without having to continually worry about the future well-being of your loved ones. While choosing insurance think of the following::

  1. It must offer due coverage and the sum assured must be sufficient for meeting the future needs of your family. Therefore, it is essential that the coverage should be extensive.

  2. Whether the plan offers additional benefits in the shape of riders that can be chosen for an extra coverage apart from the main plan benefits. 

  3. Choose flexible premium payment terms, as per your own convenience. This essentially means that as the policy holder, you must be comfortable with the frequency at which you are paying the premiums. 

HDFC Life offers HDFC Life Click 2 Protect 3D Plus an online plan that offers extensive financial coverage against the uncertainties pertaining to death, disability and disease.

ARN: ED/07/19/14858

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HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.

Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Email: [email protected], Tel No: 1800-266-9777 (10 am to 7 pm). The name/letters “HDFC” in the name/logo of the company belongs to Housing Development Finance Corporation Limited (“HDFC Limited”) and is used by HDFC Life under an agreement entered into with HDFC Limited.

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