HDFC ERGO Critical Illness policy is the apt shield to your savings. The treatment of critical illness like cancer, cardiac arrest, etc levy heavy medical bills on to you. It is always safe to have plans like these to safeguard you at the time of the financial crisis and medical emergencies.
Here is a detailed description of the HDFC ERGO Critical Illness policy to provide you with accurate guidance.
All who fall between the age mentioned in the table are eligible to buy the plan.
|Minimum Entry Age||5 Years|
|Maximum Entry Age||65 Years|
|Policy Tenure||1 year to 2 years|
There are two types of plans available under the HDFC ERGO Critical Illness Policy.
1. Silver Plan
2. Platinum Plan
List of illnesses covered in both plans:-
|1. Silver Plan||2. Platinum Plan|
HDFC Critical Illness Insurance Policy covers a wide range of critical diseases under its silver plan and platinum plan. The policyholders found the plan beneficial in cases like coronary artery bypass surgery and other severe illness which can dent a hole into the savings. So, the plan is worth buying.
The plan mentions a survival period of 30 days even if the insured is diagnosed with a critical illness.
Yes, the plan covers heart valve replacement.
The policy buyer can take the tax benefit up to Rs.50,000 maximum.
All falling between the age group of 5 years and 65 years are eligible to buy the plan.
There is no mandatory pre-insurance health-checkup for all who are below the age of 45 years. Individuals of age 46 years and onwards will have to appear for the pre-insurance medical check-ups.
Last updated on 18-12-2020