HDFC ERGO Critical Illness Insurance Plan

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      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.

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      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


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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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