Everything about the List of Diseases that Quality for Disability

Medical Conditions that Qualify for Disability

List of Medical Conditions Covered Under Disability Benefits

What Documents Are Needed for Disability Insurance?

How to Get a Disability Certificate?

Frequently Asked Questions

Is disability insurance beneficial for accidents?

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No, long-term disability insurance policies are not advantageous as accidental covers. They mainly opt for illnesses.

What are the exclusions of disability insurance?

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The exclusions of disability insurance policies are as follows: 

  • Any disability owing to incarceration
  • Disabilities caused due to suicide attempts, accidents, or wars 
  • Any pre-existing disease

What are the age criteria for opting for a disability insurance policy?

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Generally, the minimum and maximum age limit to avail of a disability insurance policy range between 18 years and 70 years. However, this age criterion varies from one insurance provider to another.

What amount is considered for a disability insurance policy?

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As per the terms and conditions of the disability insurance policy, an insured amount is equivalent to 60% of your total income after tax deduction.

Can I claim health insurance for long-term disability treatment?

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Yes, if your health insurance covers hospitalisation, surgeries, or chronic disease management. However, long-term disability income support usually requires a separate disability insurance policy or government disability benefits. 

Does term insurance provide coverage if I’m diagnosed with a disability?

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Term insurance pays only on death, not disability. However, some policies offer riders (add-ons) for critical illness or disability coverage. Check if your plan includes such benefits or consider a separate disability insurance policy.

 

If I have a pre-existing disease, can I still get disability benefits?

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Yes, you can still get disability benefits in life insurance with a pre-existing disease, but it may be more challenging. Insurers might impose higher premiums or exclusions based on the severity and management of your condition.

 

Disclaimer

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  • This is an informative article provided on 'as is' basis for awareness purpose only and not intended as a professional advice. The content of the article is derived from various open sources across the Internet. Digit Life Insurance is not promoting or recommending any aspect in the article or its correctness. Please verify the information and your requirement before taking any decisions.
  • All the figures reflected in the article are for illustrative purposes. The premium for Coverage that one buys depends on various factors including customer requirements, eligibility, age, demography, insurance provider, product, coverage amount, term and other factors
  • Tax Benefits, if applicable depend on the Tax Regime opted by the individual and the applicable tax provision. Please consult your Tax consultant before making any decision.

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