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Term Insurance for Disabled Persons
A disability is any kind of physical (or mental) impairment that can have a significant adverse impact on your day-to-day activities. While life can be challenging for disabled individuals, many people with disabilities continue to remain gainfully employed. These people’s families may be completely or partially dependent on them financially.
In case of their demise, the surviving members of the family could be left without adequate financial support. Fortunately, with a term life insurance plan, people with disabilities can secure the future of their loved ones.
1 Crore Term Insurance@Rs.21/day***
To delay is to regret
You may not always be around to take care of your family. And that’s when a term plan ensures your family is well protected.
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Return of Premium (ROP) Option^
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Individual Death Claim Settlement Ratio of 99.50%##
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Same Day Claim Processing#
:1800-266-9777
Term Insurance for Disabled Persons: Frequently Asked Questions
Table of Content
If you or someone you know is interested in purchasing term insurance as a disabled person, there may be more questions than answers about the availability, eligibility, claims process, terms and conditions and more.
Check out the answers to some commonly asked questions about the term plans for disabled individuals.
Frequently Asked Questions:
1. Can I get term insurance if I am a disabled individual?
Yes, most leading insurance service providers in India offer coverage for persons with disabilities. However, depending on the specifics of each case and the terms and conditions of the insurer, there may be some exceptions.
2. How much term insurance do I need?
The amount of term insurance coverage you need depends on various factors like your age, your current level of savings, your family’s current annual expenses adjusted for inflation and their life goals.
3. What is the claims process for term insurance for disabled persons?
The claims process is generally the same, but it is advisable to read the fine print of any policy before purchasing it, so you are aware of any additional requirements, if any.
4. Are there any specific policies for disabled individuals?
While there are no specific policies for disabled individuals, HDFC Life offers term insurance that is available for all individuals, including disabled people. Do note that the terms and conditions of each policy may vary, so it is always best to speak to an insurance advisor to get more information about how a particular policy will cover a disabled individual before making a purchase.
5. What documents do I need to provide about my disability?
At the time of applying for a term life insurance plan, disabled persons may also need to submit a medical certificate or fitness certificate as proof of disability in addition to the regular documentation required.
However, if you suffer from an accidental disability during the policy term, and if you have a rider1 that offers coverage for this contingency, you can raise a claim accordingly by providing the documents required by your insurer.
6. Is there a waiting period for a disability-related claim?
No, there is no waiting period for any disability-related claim.
7. How can I determine the right coverage amount for my disability-related needs?
Since a term insurance plan is a pure life cover, it only offers death benefits on the policy holder’s demise. So, your disability-related needs are not covered by term plans, and they do not directly influence the sum assured you choose.
Conclusion
This sums up the answers to some common questions about term life insurance for disabled persons. You can use the information provided above to make more informed decisions about buying a life cover for disabled persons.
Not sure about where to buy the term insurance plans Click here to get your doubts cleared.
Related Articles:
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- Calculate and See for Yourself How Starting Young Gives You Lower Premiums
- What is the Age Limit to Buy a Term Insurance Policy?
- How Does BMI Affect Your Term Insurance Premium?
- Is There Any Waiting Period in a Term Plan?
- Term Insurance Maturity Benefits: A Comprehensive Guide
Not sure which insurance to buy?
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
Reviewed By:
Here's all you should know about ULIP insurance.
We help you to make informed insurance decisions for a lifetime.
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
- For all details on Riders, kindly refer to the Rider Brochures available on our website.
^ Available under Life & Life Plus plan options
#Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved
##Individual claim settlement ratio by number of policies as per audited annual statistics for FY 23-24
***Online Premium for Life Option for HDFC Life Click 2 Protect Super (UIN: 101N145V07), Male Life Assured, Non-Smoker, 20 years of age, Policy term of 25 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Monthly Premium of 622/30=20.7).
**7% online discount available on 1st year premium only
@As per integrated annual report FY23-24, available on www.hdfclife.com. As of May 2024
~Tax benefits of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 30% on life insurance premium u/s 80C of ₹ 1,50,000 and health premium (Critical illness rider) u/s 80D of ₹ 25,000. Tax benefits are subject to conditions under section 80C, 80D, 10(10D) as per Income Tax Act, 1961. Please consult your tax advisor for more information.
ARN - ED/07/23/3494
