My bro in law expired due to critical illness in hospital. Apparently, he was dead within 5-6 days in ICU of Apollo due to multi organ failure, kidney failure and severe infection in blood. When we called HDFCergo to claim the insurance amount of 1Lac, which covers car loan. I was shocked tohear, the insurance which we purchased to cover our car loan in case of death, now tells us in order to claim amount under critical illness the insurer/policy holder should survive atleast for 30 days after the critical illness is diagnosed. This is ridiculous, one hand the insurance company says CRITICAL illness and on other hand it mentions the policy holder should survive at least for 30 days.
Can we get this insured amount to cover the pending car loan?
My bro in law's wife is a house wife and survived by two kids? Is there a way we can claim the insurance amount under any other clause?
Please advice.
My bro in law was 42. Expired on 29-08-2011