HDFC ERGO Critical Illness

HDFC ERGO Critical Illness Policy

The HDFC ERGO Critical Illness plan is designed by HDFC ERGO to facilitate an individual's fight against major critical illnesses. The HDFC ERGO Critical Illness plan offers coverage against 15 critical illnesses and comes in two different variants: Silver and Platinum. The HDFC ERGO Critical Illness plan offers a sum insured up to 50 Lakh INR to provide financial safety to the insured. Critical illnesses can disrupt an individual's financial status, as their treatment is often very expensive. The HDFC ERGO Critical Illness Plan is an ideal partner during difficult times, offering lower premiums and bigger coverage to assist with better financial planning.

A critical illness insurance policy is insurance coverage that helps you 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.

Plan Highlights

• Child Entry Age: Minimum 5 Years
• Adult Entry Age: Maximum 65 Years
• Plan Type: Individual
• Policy Term: 1 or 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

HDFC ERGO Critical Illness Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the HDFC ERGO Critical Illness Plan are:

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital diseases
• Infertility and in-vitro fertilization