HDFC ERGO Critical Illness Insurance Plan

(3 Reviews)
Insurer Highlights

*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

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      HDFC ERGO Critical Illness Insurance Plan

      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.

      Read More

      HDFC ERGO Critical Illness Insurance Plan: Key Highlights

      Categories Specifications
      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

      Benefits of HDFC ERGO Critical Illness Insurance Plan

      Check out the benefits of buying an HDFC ERGO Critical Illness Insurance plan:

      1. Coverage for 15 Critical Illnesses

      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.

      2. Lump Sum Payment on First Diagnosis

      The HDFC ERGO General Insurance Company will pay a lump sum benefit on the first diagnosis of 15 critical illnesses.

      3. Tax Benefits

      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.

      HDFC ERGO Critical Illness Insurance Plan Eligibility Criteria

      Given below are the eligibility criteria to buy an HDFC ERGO Critical Illness Insurance plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child - 5 years
      Maximum Entry Age Adult – 65 years
      Coverage Type Individual

      Inclusions of HDFC ERGO Critical Illness Insurance Plan

      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.

      Exclusions of HDFC ERGO Critical Illness Insurance Plan

      The following coverage are excluded under the HDFC ERGO Critical Illness Insurance plan:

      • Abuse of alcohol or other intoxicants
      • Injuries due to participation in adventure or hazardous sports
      • Pregnancy and related complications
      • Tuberculosis
      • Hospitalization due to breach of law
      • Congenital external defects
      • Self-inflicted injuries or an attempt to suicide
      • Hospitalization due to war or nuclear perils

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Surgeries Covered by Manipal Cigna Health Insurance Plans

      01 Mar 2024

      Amidst the ongoing surge in healthcare expenses, securing
      Read more
      Star Preventive Health Check-ups: All You Need to Know

      29 Feb 2024

      Preventive health check-ups are essential to monitor critical
      Read more
      Reasons to Purchase High-Value Health Insurance Cover

      21 Feb 2024

      When you decide to purchase a health insurance plan for you and
      Read more
      Surgeries Covered by New India Assurance Health Insurance Plans

      22 Feb 2024

      In an era where healthcare expenses are skyrocketing in India, the
      Read more
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL