Network hospitals
13000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
Network hospitals
13000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
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.
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.
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
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
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
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Not Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Not Applicable
Sub-limits
Not Available
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:
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 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
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.
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.
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:
Coverage status under HDFC ERGO Critical Illness Plan?
New Born Baby Cover is not available under the HDFC ERGO Critical Illness plan.
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under HDFC ERGO Critical Illness Plan?
Not available.
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.
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.
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.
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
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.
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
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
Get tax relief under section 80D
Lifetime Renewability available
Avail extensive coverage
Hassle-free availability of funds
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
HDFC ERGO Critical Illness offers lifetime renewability allowing renewability for a lifetime.
HDFC ERGO Critical Illness offers comprehensive coverage against 15 different criticial illnesses.
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.
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
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
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
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
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
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
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
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.
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Aniruddh Singh
Chandigarh
May 1, 2023
I am satisfied with the customer service provided to me when I had a small query regarding my HDFC health insurance policy. Thank you to the customer support team of PolicyX
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...
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
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...
Usha Dodiya
Indore
May 20, 2021
Policyx.com give very good insurance policy I will recommend to everyone and manager support is very gool
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
ambika chauhan
Chennai
March 4, 2021
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Ashu Goyal
Ludhiana
March 4, 2021
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