HDFC Ergo Health Critical Illness Insurance Plans

HDFC Ergo Health Insurance (formerly Apollo Munich) Critical Illness Insurance is a policy that pays out the sum insured amount in lump sum upon diagnosis of a life-threatening medical condition.

With critical illness cover, you can keep your financial worries at bay and instead focus on the treatment and recovery.  A critical illness plan by HDFC Ergo Health Insurance Company ensures that you put no dent in your savings.

Getting a critical illness health insurance policy is a smart move that you make well in advance to have better financial planning to tackle major health conditions like stroke, cancer, etc. from draining your savings.

Wider coverage and lower premiums help you focus on your health without any financial stress.  The policy will help in safeguarding your finances and the treatment will not impact your savings as the critical illness policy will take care of the hospital bills.

HDFC Ergo Health Optimal Vital Critical Illness Plan

HDFC Ergo Health Insurance (formerly Apollo Munich) Optimal vital critical illness plan offers coverage for 37 critical illnesses. You can cover your non-earning parents, spouse, and children as well. Here are some of the unique coverage benefits under this policy:

  • The policy offers 100% sum insured upon diagnosis of Critical illnesses that are covered
  • You can also get second medical e-opinion and wellness coach services to seek guidance from a wellness coach on the path of your health journey
  • The sum insured options that you can avail of are Rs 1 lakh, Rs 2 lakh, Rs 3 lakh, Rs 4 lakh, 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 40 lakh, 45 lakh, and 50 lakh
  • The age limit under this policy is 18 years to 65 years

Diseases/Critical Illness List- The numbers of illnesses that you can claim under the optimal vital insurance policy are listed below:

1.Cancer
2.Kidney Failure
3.COMA
4.Major Burns
5.Brain surgery
6.Open heart replacement
7.Systemic Lupus Erythematosis
8.Apallic Syndrome
9.Good pasture’s Syndrome
10.Aplastic Anaemia
11.Systemic Lupus Erythematosis
12.Bacterial Meningitis
13.Multiple System Atrophy
14.Progressive Scleroderma
15.Open Chest CABG
16.Major Organ/Bone Marrow Transplant
17.Aorta Graft Surgery
18.Open Heart Replacement or Repair of Heart Valve
19.Pneumonectomy
20.Pulmonary Artery Graft Surgery
21.Alzheimer’s Disease
22.Primary Parkinson’s Disease
23.Motor Neuron Disease with Permanent Symptoms
24.Paralysis of Limbs ( permanent)
25.Stroke ( permanent symptoms)
26.Cardiomyopathy
27.Benign Brain Tumor
28.Primary Pulmonary Arterial Hypertension
29.Brain Surgery
30.Progressive Supranuclear Palsy
31.End stage Lung Disease
32.Creutzfeldt-Jakob Disease (CJD)
33.Major Head Trauma
34.Encephalitis
35.Blindness
36.Deafness
37.Total Loss of Speech

HDFC Ergo Health Insurance i Can- An Essential Cancer Insurance Plan

Cancer is one of the major critical illnesses that is a cause of concern at a global level. In India every 10 the person is vulnerable to cancer in their lifetime. With HDFC Ergo (formerly Apollo Munich) cancer insurance policy you can avail the best possible treatment. Check out its features and benefits in detail below:

  • The policy covers treatment expenses related to all types of cancers
  • Cashless cancer treatment is possible in more than 10,000 network hospitals
  • It covers chemotherapy to stem cell therapy as well as out-patient expenses
  • 100% lump sum payout is made upon diagnosis of Stage IV cancer

For more details, you can email us or get in touch with our health insurance customer care team at 1800-208-8787.

Written By: PolicyBazaar - Updated: 10 February 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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