HDFC ERGO Critical Illness Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under HDFC ERGO Critical Illness Plan?

Under HDFC ERGO Critical Illness Plan, the room rent is not covered.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under HDFC ERGO Critical Illness Plan Plan?

Under HDFC ERGO Critical Illness Plan, ICU charges are not covered.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under HDFC ERGO Critical Illness Plan?

This plan does not cover medical expenses incurred during pre-hospitalization.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under HDFC ERGO Critical Illness Plan?

This plan does not cover medical expenses incurred during post-hospitalization.

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under HDFC ERGO Critical Illness Plan?

Under HDFC ERGO Critical Illness Plan, domiciliary hospitalization is not covered.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under HDFC ERGO Critical Illness Plan?

This plan does not cover the expenses of daycare treatment.

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under HDFC ERGO Critical Illness Plan?

This plan does not cover OPD charges.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under HDFC ERGO Critical Illness Plan?

COVID-19 treatment coverage is not available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under HDFC ERGO Critical Illness Plan?

The plan does not cover cataract treatment expenses.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under HDFC ERGO Critical Illness Plan?

The cumulative Bonus is not available.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under HDFC ERGO Critical Illness Plan?

Automatic restoration is not available.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under HDFC ERGO Critical Illness Plan?

Under the plan, organ donor expenses are covered.

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under HDFC ERGO Critical Illness Plan?

Not available.

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under HDFC ERGO Critical Illness Plan?

Not Covered under HDFC ERGO Critical Illness Plan

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under HDFC ERGO Critical Illness Plan?

Not Covered.

Refers to the traveling expenses of a family member of the insured person in case the policyholder get admitted to a hospital outside his/her residential city.

Coverage status under HDFC ERGO Critical Illness Plan?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under HDFC ERGO Critical Illness Plan?

Not available

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under HDFC ERGO Critical Illness Plan?

The plan does not cover e-consultations.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under HDFC ERGO Critical Illness Plan?

Not Available

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under HDFC ERGO Critical Illness Plan?

Not Applicable

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under HDFC ERGO Critical Illness Plan?

Not Applicable