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| Critical Illness |
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| 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. |
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| 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. |
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| Key Highlights: |
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| Covers individuals in the age group from 5 years to 45 years(Children would be covered only if both the parents are also covered) |
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| No medical check-up upto 45 years of age. In case of pre-existing disease, a pre policy check-up may be required. |
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| Provides a lump sum benefit which can pay for: |
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- 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.
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| Tax Benefit Under Section 80D |
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| Coverage Features |
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| 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. |
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| Critical Illness covered |
Silver |
| Heart Attack (Myocardial Infarction) |
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| Coronary Artery Bypass Surgery |
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| Stroke |
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| Cancer |
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| Kidney Failure |
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| Major Organ Transplantation |
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| Multiple Sclerosis |
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| Paralysis |
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| What is not Covered? |
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- 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)
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