HDFC ERGO my:Health Critical Suraksha Plus -Buy/Renew Plan

HDFC ERGO my:Health Critical Suraksha Plus

The HDFC ERGO My:Health Critical Suraksha Plus is a health insurance plan created to help you in case of sudden emergencies. Through this policy, HDFC ERGO Health Insurance aims to provide financial assistance when the insured or any of their dependents are diagnosed with a critical illness.

HDFC ERGO my:Health Critical Suraksha Plus
Categories	Benefits
Sum Insured	Rs. 1 lakh to Rs. 5 Crore
Policy Tenure	1 Year, 2 Years, 3 Years
Network Hospitals	12000+
Incurred Claims	97.47%
Pre-Existing Diseases Waiting Period	4 years
Specific Diseases Waiting Period	2 Years
Initial Waiting Period	30 Days

Benefits of HDFC ERGO my:Health Critical Suraksha Plus

The following are the benefits provided to the insured through the HDFC ERGO my:Health Critical Suraksha Plus insurance plan:

Cancer Cover - The HDFC ERGO my:Health Critical Suraksha Plus insurance plan provides the insured with benefits in case of a cancer diagnosis. It provides them with the entire sum insured for all forms of cancer, irrespective of the location. It is available to the insured after 90 days of the waiting period has expired.
Additionally, it is essential to note that if the insured or their dependents are diagnosed with early-stage or localised cancer, they are eligible for 25% of the sum insured up to Rs. 1,000,000 after the 180-day waiting period.
Heart Cover - If the insured individual is diagnosed with cardiac disease or needs to undergo cardiac surgery, they are eligible for the benefit. It is provided through the HDFC ERGO my:Health Critical Suraksha Plus insurance plan, and they can get the entire sum insured after 90 days.
On the other hand, if the insured or their dependents undergo an angioplasty, they are eligible for 25% of the sum insured up to Rs. 1,000,000 after 180 days.
Nervous System Cover Through the nervous system cover provided by HDFC ERGO my:Health Critical Suraksha Plus insurance plan ensures that any disorder or surgical procedure that the insured has undergone is covered. The insured is eligible for 100% of the sum insured once the 90 days have passed.
Other Major Organ Covers In case any of the organs of the insured have been significantly affected due to illness or need surgery, they are eligible for 100% of the sum insured. It is available for the insured after the end of the 90-day waiting period. Additionally, the insured will be eligible for 25% of the sum assured up to Rs. 1,000,000 that can be availed after 180 days of waiting period.

HDFC ERGO my:Health Critical Suraksha Plus Eligibility Criteria

HDFC ERGO my:Health Critical Suraksha Plus
Parameters	Eligibility Criteria
Minimum Entry Age -	Adult - 18 Years Child - NA
Maximum Entry Age	Adult - 65 years Child - NA
Coverage Type	Individual
Renewability	Lifelong

HDFC ERGO my:Health Critical Suraksha Plus: Inclusions

The following are the inclusions of the HDFC ERGO my:Health Critical Suraksha Plus insurance policy:

Pre-diagnosis inclusion- If the insured undergoes diagnostic tests or check-ups 30 days before diagnosing critical illnesses or procedures. Then, the expenses incurred will be paid by the
Loss of Job- The HDFC ERGO my:Health Critical Suraksha Plus insurance plan provides the insured with a sum insured amount. It is applicable in case the insured is either terminated or voluntarily resigns from their current job after being diagnosed with a critical illness at a significant stage or has undergone significant surgery after the diagnosis.
Post-diagnosis support- If the insured individual requires a second opinion from another medical practitioner in case of a critical illness or major surgery.
Hospital Cash Benefit- The HDFC ERGO my:Health Critical Suraksha Plus insurance plan provides the insured with a hospital cash benefit in case of emergency hospitalisation.
Companion Benefit- Through the Companion Benefit, the HDFC ERGO my:Health Critical Suraksha Plus insurance plan will cover the expenses required for the accompanying person caring for the insured individual at the hospital.

HDFC ERGO my:Health Critical Suraksha Plus: Exclusions

The following are the exclusions of the HDFC ERGO my:Health Critical Suraksha Plus insurance plan:

Any act of foreign aggression or war.
Any form of self-injury by the insured.
Insured taking part in adventure sports or military participation.
Undertaking any weight loss or obesity control surgeries.
General debility or health concerns like Parkinson’s or Alzheimer’s.
Any cosmetic or plastic surgeries undertaken by the insured.
Vaccinations, immunisations or any preventive health measures.
Any outpatient treatments.
Expenses incurred for assistive devices like artificial limbs, hearing aids or lenses.
In case of non-disclosure of pre-existing illness.

FAQs

Q1. Is the HDFC ERGO my:Health Critical Suraksha Plus a good insurance plan?

Ans: Yes. The HDFC ERGO my:Health Critical Suraksha Plus is a good insurance plan as it provides the insured with a wide range of benefits. Some of the best points of this medical insurance plan are the free look period of 30 days and the sum insured enhancement benefit. Additionally, the insured can opt for portability and get a grace period to pay the premium.
Q2. What is the premium payment method for the HDFC ERGO my:Health Critical Suraksha Plus insurance plan?

Ans: The insured individual can pay the premium for the HDFC ERGO my:Health Critical Suraksha Plus insurance plan either in yearly, half-yearly, monthly or quarterly installments.
Q3. Does the HDFC ERGO my:Health Critical Suraksha Plus insurance offer discounts?

Ans: Yes. The insured can get a family discount of 10% or more on the premium if two or more members of the insured’s family are covered under the individual sum. Additionally, the online policy and loyalty discounts provide the insured with 5% and 2.5% discounts if the policy is purchased online and more than one insurance policy is purchased by the insured.

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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*

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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