HDFC ERGO Critical Illness
  • Lifetime Renewability
  • Explore HDFC critical illness plan
  • Covers 10+ Critical Illnesses
HDFC ERGO Health Insurance
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HDFC ERGO Critical Illness Policy

HDFC ERGO Critical Illness is a plan designed by HDFC ERGO to facilitate an individual to fight against any major critical illnesses. HDFC ERGO critical illness plan offers coverage against 15 criticial illnesses and comes in two different variants silver and platinum. Criticial illness HDFC ERGO offers a sum insured up to 50 Lakh INR in order to provide financial safety to the insurer. All critical Illnesses have the capability to disrupt an individual’s financial status as the treatment for such diseases is very expensive. HDFC ERGO Criticial Illness Plan will be the ideal partner during difficult times, with lower premiums and bigger coverage to assist you with better financial planning.

A critical illness insurance policy is insurance coverage that helps you to cover expenses related to life-threatening critical illnesses and lifestyle diseases such as cancer, stroke, Parkinson’s disease, paralysis, liver disorders, kidney failure, and other ailments.

HDFC ERGO Critical Illness Plan Specifications

Child Entry Age

Minimum: 5 Years

Adult Entry Age

Maximum: 65 Years

Plan Type

Individual

Policy Term

1/2 Years

Initial Waiting Period

90 Days*

Sum Insured

1 L | 5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 35 L | 40 L | 45 L | 50 L

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your HDFC ERGO Critical Illness Plan

With wide coverage options, HDFC ERGO Critical Illness Insurance plan lets you customize your health insurance plan as per your requirements:

SI OPTIONS: 1 L - 50 L

In-patient & Out-patient Coverage

Room Rent

Not Covered

ICU Charges

Not Covered

Pre-Hospitalization

Not Covered

Post-Hospitalization

Not Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Not Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Available

Automatic Restoration

Not Applicable

Daily Hospital Cash

Not Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Not Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post 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.

What is Domiciliary 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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under HDFC ERGO Critical Illness Plan?

The daily hospital cash is not available

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under HDFC ERGO Critical Illness Plan?

Maternity expense is not covered under the HDFC ERGO Critical Illness plan.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under HDFC ERGO Critical Illness Plan?

New Born Baby Cover is not available under the HDFC ERGO Critical Illness plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under HDFC ERGO Critical Illness Plan?

Not Covered Under HDFC ERGO Critical Illness Plan.

What is IVF Treatment?

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.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under HDFC ERGO Critical Illness Plan?

Under HDFC ERGO Critical Illness Policy modern treatments are not covered.

What is an Ambulance Cover?

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

What is an Air Ambulance?

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.

What is Compassionate Travel?

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

What is Global Coverage?

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

Coverage status under HDFC ERGO Critical Illness Plan?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under HDFC ERGO Critical Illness Plan?

Under the HDFC ERGO Critical Illness plan a health checkup is not available.

What is a Second Medical Opinion?

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

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under HDFC ERGO Critical Illness Plan?

The plan does not cover vaccination expenses.

What is a Co-Payment?

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

What is Sub-limit?

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

HDFC ERGO Critical Illness Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under HDFC ERGO Health Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Congenital disease

Infertility and in vitro fertilization

Miscarriage, and abortion

HDFC ERGO Critical Illness Plan Benefits

Tax Benefits

Get tax relief under section 80D

Lifetime Renewability

Lifetime Renewability available

Coverage for 15 critical illnesses

Avail extensive coverage

Lump-sum Payment

Hassle-free availability of funds

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Lifetime Renewability

HDFC ERGO Critical Illness offers lifetime renewability allowing renewability for a lifetime.

Coverage for 15 critical illnesses

HDFC ERGO Critical Illness offers comprehensive coverage against 15 different criticial illnesses.

Lump-sum Payment

To save the insurer from tedious claim settlement processes HDFC ERGO offers a one-time lump-sum payment in a single transaction on the diagnosis of a critical illness.

Explore HDFC ERGO Health Insurance

PolicyX.com will help the policyholders at every stage of buying/claiming/renewing your Energy Plan HDFC ERGO. Just contact us and we will solve all your queries related to Energy Plan HDFC ERGO.

Claim Process

Click to know HDFC ERGO Health Insurance Claim Process.

Buying Process

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Contact Us

Feel free to contact HDFC ERGO Health Insurance for more details.

Renewal Process

Click here to Renew HDFC ERGO Health Policy Online

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Claim Settlement Ratio

Click here to HDFC ERGO Health Insurance Claim Settlement Ratio

Explore other HDFC ERGO Plans

HDFC ERGO Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC ERGO Koti Suraksha

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts, recovery benefits

My:health Women Suraksha

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

  • Pregnancy & newborn complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

HDFC ERGO Optima Secure

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

HDFC ERGO Health Insurance Network Hospital List

HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.

Health Insurance Articles

Read Reviews & Ratings

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Subhro Jha

Hyderabad

September 14, 2022

It was great experiance with Policyx.com about the claims as i got rejection my claim from HDFC Ergo but after getting support of policyx.com i got my claim and the complete amount is given by...

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Vedika Verma

Delhi

May 25, 2022

With several health plans, HDFC ERGO offers looks after the healthcare need of every individual. I am glad that I chose to buy health insurance from HDFC ERGO

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Vedantu Singhania

Coimbatore

August 5, 2021

Thanks to HDFC ERGO Health Insurance company for ensuring that all the healthcare needs of your customers are looked after. I am glad that I got in touch with PolicyX.com who helped me at every...

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Usha Dodiya

Indore

May 20, 2021

Policyx.com give very good insurance policy I will recommend to everyone and manager support is very gool

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harish kumar

Delhi

March 16, 2021

thanks to Policyx and HDFC to provide good service at the time of claims he help me two times and provide 100% cashless benefit

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ambika chauhan

Chennai

March 4, 2021

i am happy that i recieved my claim today. got good support. after first rejection i was scared, but i got it due to the sipport of policyx

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Ashu Goyal

Ludhiana

March 4, 2021

I have taken the policy of HDFC ergo by Policy X.Com , Claim settlement Tat is very Good . Policy X.com team is helpful about claim settlement without any issue.

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Meenakshi Singh

Delhi

March 4, 2021

I took this policy from Policyx as this company have helped my friend at his time of need which is claim compensation and I was extremely happy that with so much patience they have helped and e...

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