*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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HDFC ERGO Critical Illness Insurance provides medical coverage against 15 listed critical illnesses, including heart attack, kidney failure, cancer and stroke. It pays a lump sum amount to the insured on the first diagnosis of these critical illnesses. However, the payment is made only if the insured survives a period of up to 30 days.
|Sum Insured||Rs 1 lakh to Rs 50 lakh|
|Policy Tenure||1 year, 2 years|
|Plan Types||Silver, Gold, Platinum|
|Incurred Claim Ratio (2021-22)||97.47%|
|Pre-Policy Medical Check-ups||May be required|
|Pre-existing Disease Waiting Period||4 years|
|Critical Illness Waiting Period||90 days|
|Survival Period||15 days/ 30 days|
Check out the benefits of buying an HDFC ERGO Critical Illness Insurance plan:
This HDFC ERGO health insurance policy offers coverage for up to 15 critical illnesses, such as stroke, heart attack, cancer, etc., depending on the type of plan opted.
The HDFC ERGO General Insurance Company will pay a lump sum benefit on the first diagnosis of 15 critical illnesses.
Policyholders can claim tax benefits on the premium paid for buying an HDFC ERGO Critical Illness Insurance policy as per Sec 80D of the IT Act.
Given below are the eligibility criteria to buy an HDFC ERGO Critical Illness Insurance plan:
|Minimum Entry Age||Adult – 18 years
Child - 5 years
|Maximum Entry Age||Adult – 65 years|
HDFC ERGO Critical Illness Insurance provides a lump sum amount to the policyholder if the insured is diagnosed with any of the 15 listed critical illnesses for the first time during the policy year. While the Silver plan offers coverage for 8 illnesses, the Gold plan and the Platinum plan cover 8 illnesses and 15 critical illnesses respectively.
The following coverage are excluded under the HDFC ERGO Critical Illness Insurance plan:
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