3- HDFC Ergo General Insurance Company Limited - Critical Illness Insurance
Critical Illness
A diagnosis of a critical illness for you or your loved one may get your life to a stand still, literally. What could worsen the situation would be the unavailability of the requisite funds for treatment costs and associated expenses. It’s a known fact that medical treatment costs for critical illnesses are really high.
HDFC ERGO’s Critical Illness Insurance Policy is designed specifically to cater to the needs of the high costs of associated treatments. Moreover, it provides a lump sum payment, on the very first diagnosis, to ensure that you can avail the best-in-class treatment and coupled with easy and hassle free claims process, so that you spend your precious time with your loved one, than running around arranging for funds.
Key Highlights:
Covers individuals in the age group from 5 years to 45 years(Children would be covered only if both the parents are also covered)
No medical check-up upto 45 years of age. In case of pre-existing disease, a pre policy check-up may be required.
Provides a lump sum benefit which can pay for:
  • Costs for the care and treatment;
  • Recuperation aids;
  • Debts pay off;
  • Any lost income due to a decreasing ability to earn;
  • Fund for a change in lifestyle.
Tax Benefit Under Section 80D
Coverage Features
Provides a Lump Sum Benefit on first diagnosis after a 30 Day Survival period for any one of the 8 Critical Illnesses covered under the plan.
Critical Illness covered Silver
Heart Attack (Myocardial Infarction)
Coronary Artery Bypass Surgery
Kidney Failure
Major Organ Transplantation
Multiple Sclerosis
What is not Covered?
  • 90 days Waiting Period
  • War or any act of war, invasion, act of foreign enemy, war like operations
  • Criminal or unlawful act, or intentional self injury or attempted suicide while sane or insane
  • Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing
  • Intoxicating drugs and alcohol
  • Venereal disease," AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)