HDFC Ergo General Critical Illness Insurance Plans

HDFC Ergo General Insurance (formerly HDFC Ergo Health Insurance) offers critical illness cover with its two specific products. HDFC Ergo Critical Illness plan and HDFC Ergo iCan Cancer Insurance plan are two lump sum benefit based schemes that pay you in one go or lump sum. Critical illness treatment can be huge and with adequate critical illness cover your hard-earned savings will not be impacted as your HDFC Ergo critical illness insurance policy will take care of the hospital bills.

With these health insurance plans, you can pay for exorbitant medical expenses resulting from critical ailments like Cancer, Stroke, Multiple Sclerosis, Paralysis, etc. The details of these two HDFC Ergo critical illness plans are given below:

HDFC Ergo Critical Illness Insurance Policies

Critical Illness Insurance provides additional financial security to you and your family upon diagnosis of a life-threatening medical condition. You get a lump sum payment that can be used for medical treatment, to pay off debts, recuperation aids, any loss of income if the earning member gets diagnosed with a critical illness.  

HDFC Ergo’s critical illness policy can cover up to 15 Critical illnesses. Lumpsum payment is made in a single transaction. There is an option to buy the policy for 1-year and 2-years. There are two variants and the details are listed as under:

HDFC Ergo Critical Illness Silver Policy

Individuals between the age group of 5 years and 65 years can buy this critical illness cover. The features and benefits of the critical illness silver plan are given below:

  • No pre-medical screening is required for applicants up to the age of 45 years
  • A survival is required for 30 days is required to avail coverage benefits
  • Claims can be filed after 90 days of the waiting period

Critical Illness List/Disease Covered:

  • Heart attack
  • Multiple sclerosis
  • Coronary artery bypass surgery
  • Stroke 
  • Cancer
  • Major organ transplantation
  • Paralysis
  • Kidney failure

HDFC Ergo Critical Illness Platinum Policy

For the extensive cover, you can buy this platinum critical illness plan by HDFC Ergo General Health Insurance Company. Its features and benefits are given below:

Critical Illness List/Disease Covered:

  • Parkinson's Disease
  • Alzheimer's Disease
  • End Stage Liver Disease
  • Benign Brain Tumor
  • Aorta graft surgery
  • Primary pulmonary arterial hypertension
  • Heart attack
  • Multiple sclerosis
  • Heart valve replacement
  • Stroke 
  • Cancer
  • Major organ transplantation
  • Paralysis
  • Coronary artery bypass surgery
  • Kidney failure 

HDFC Ergo iCan Cancer Insurance Policy

With this cancer insurance policy, you can afford quality healthcare facilities. HDFC Ergo iCan Cancer Insurance policy covers all types of and all stages of Cancers. iCan Cancer insurance policy can be renewed for a lifetime even after the claim. You can 60% of the sum insured as lump sum by the insurer. You can avail of 100% of the Sum insured for cancer treatment. Check below to read more about policy features and benefits:

  • You can avail Cashless treatment for Cancer in more than 10,000 network hospitals
  • My Care Benefit- From chemotherapy to stem cell transplantation, iCan offers complete cover for conventional and advanced treatments as well as your in-patient and outpatient treatment costs.
  • CritiCare Benefits- The insurer provides 60% of the sum insured, as a lump sum upon detection of cancer of specified severity. For instance, if you have a health cover of Rs 20 lakh, you will get an additional lump sum of Rs 12 lakh.
  • Family Care Benefit- The policy takes care of your family too. If the insured gets diagnosed with stage IV cancer or it reoccurs the insurer pays 100% of the sum insured as lump sum payment, on the diagnosis of, or if cancer recurs.

For more details about HDFC Ergo critical illness health insurance plans, you can speak to our team of health experts. They will solve all your queries and help you select the best critical illness policy that works best for you.

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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