HDFC ERGO Critical Illness

HDFC ERGO Critical Illness Insurance Plans

Critical illnesses are long-term, life-threatening ailments that come with huge treatment costs. The procedures are generally expensive and can deplete your entire savings. To manage these exorbitant costs, adequate preparation is essential.

For this, a Critical Illness Insurance policy is essential, covering the insured against life-threatening diseases such as cancer, heart attack, and renal failure. The HDFC ERGO Critical Illness Plan provides vital support by offering a lump sum payout to cover expenses when traditional health insurance might be insufficient.

HDFC ERGO Critical Illness Plans: Eligibility Criteria

People who want to opt for HDFC ERGO Critical Illness plans must meet the following eligibility criteria:

• Minimum Age: 18 Years
• Maximum Age: 65 Years
• Free Look Period: 15 Days
• Policy Term: 1 or 2 Years
• Plan Type: Individual/Family
• Sum Insured: INR 1 Lakh to INR 50 Lakhs
• Grace Period: 30 Days*

• Individuals with an entry age above 45 years have to undergo a medical checkup before the policy is issued.
• Policyholders may have to undergo a pre-policy check, depending on their age and sum insured, at empanelled diagnostic centres at their own cost.

HDFC ERGO Critical Illness Features

HDFC ERGO Critical Illness plans offer several unique features:

• Lump sum benefit upon the first diagnosis of any of 15 critical illnesses.
• Two plan variations, Silver and Platinum, are available.
• Lifetime renewability option.
• Entry age 5 years to 65 years.
• Sum insured available from INR 1,00,000 to INR 50,00,000.
• Option to choose a survival period of 15 days or 30 days.
• Tax benefits under Section 80D (as per prevailing tax laws).

HDFC ERGO Critical Illnesses Covered

The list of critical ailments covered by HDFC ERGO is as follows:

• Heart Attack (Myocardial Infarction)
• Coronary Artery Bypass Surgery
• Stroke
• Benign Brain Tumor
• Parkinson’s Disease
• Alzheimer’s Disease
• End Stage Liver Disease
• Cancer
• Major Organ / Bone Marrow Transplant
• Multiple Sclerosis
• Paralysis
• Aorta Graft Surgery
• Primary Pulmonary Arterial Hypertension
• Heart Valve Replacement
• Kidney Failure