HDFC ERGO Critical Illness Insurance

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HDFC Ergo Critical Illness Insurance Overview

This plan is suitable for people diagnosed with critical illnesses as it will help to take away your financial burdens that may arise due to medical treatments. In case of life-threatening health conditions like heart attack, cancer, etc. this plan will save you from draining your savings. Bigger cover and lower premiums and will help you avail the best treatment without any financial stress. The treatment will have little or no impact on your savings as the insurer will pay off the hospital bills.

You and your family can enjoy the additional financial security even after the diagnosis of a critical illness. The payment is made in a lump sum that can be used for treatment, care, recuperation aids, paying off debts, and loss of income.

Key Features of HDFC Ergo Critical Illness Insurance Plan

The features and benefits of this plan are listed below:

  • Option to buy a one-year or a two-year plan with easy renewal options
  • Safeguards your finances
  • Ensures best medical treatment at some of the best hospitals
  • There is a free look period of 15 days that starts from the date of receiving the policy documents

Coverage Provided in HDFC Ergo Critical Illness Insurance Plan

The plan covers the following medical expenses:

  • Nearly 15 critical Illnesses are covered
  • 2 Plan variants are available
  • The payment is made in a lump sum in a single transaction
  • Lifetime policy renewability
  • A medical check-up is only required for people above 45 years
  • Tax exemption benefits up to Rs. 50,000
  • The sum insured options range from Rs. 5 lacs Rs. 7.5 lacs to Rs. 10 Lacs.
  • Cashless treatment option in more than 9000 network hospitals

Types of HDFC Ergo Critical Illness Insurance Plan

Critical Illness Insurance Plans
Silver Plan Platinum Plan
Heart Attack Heart Attack
Stroke Stroke
Multiple Sclerosis Multiple Sclerosis
Kidney failure Kidney failure
Major Organ Transplantation Major Organ Transplantation
Paralysis Paralysis
 Coronary Artery Bypass Surgery  Coronary Artery Bypass Surgery
Cancer  Benign Brain Tumour
  Heart Valve Replacement
  Primary Pulmonary Arterial Hypertension
  Alzheimer's Disease
  Aorta Graft Surgery
  Parkinson's Disease
  End Stage Liver Disease


Waiting Period

Survival Period: The critical illness plan by HDFC ERGO Health Insurance requires a survival period of minimum of 30 days if diagnosed with any critical illness. Any claims arising after a waiting period of 90 days shall not be covered

Exclusions of HDFC Ergo Critical Illness Insurance Plan

Following medical expenses will not be covered under this plan:

  • The plan will not cover any expenses incurred due to an accident resulting from involvement in adventure sports
  • It will also not cover accidents while the insured is participating in defense operations
  • Self-imposed injuries are also not covered
  • Sexually transmitted diseases or venereal diseases are not covered.
  • Injuries incurred during disastrous events like war and rebellion are not covered
  • Obesity treatment and cosmetic surgeries are not covered in this plan

Claim Intimation

To file an HDFC Ergo Critical Illness Insurance Plan you need to register your request on their helpline numbers. Upon intimation, your claim request will be registered and you will get a unique claim reference number. The same will be communicated to the policyholder and it will be used for all future communication.

Online Documentation

This plan doesn’t require you to submit any documents. You can fill the details online and pay the amount via secured online payment modes.  But you may need to submit the documents in case of a pre-existing illness.

Written By: PolicyBazaar - Updated: 12 April 2019
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