HDFC ERGO my:Health Critical Suraksha Plus

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      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.

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      HDFC ERGO my:Health Critical Suraksha Plus

      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.

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