HDFC ERGO Critical Illness Health Insurance
Claim Settlement Ratio | 86.52% |
COVID-19 Cover | Yes |
In-House Claim Settlement | Available |
Network Hospitals | 10,000+ |
Policies Sold | 10,66,395 |
Renewability | Lifelong Renewability |
About HDFC ERGO Critical Illness Health Insurance
Critical Illness by HDFC ERGO is a popular policy that provides one with financial security and peace of mind even during critical times. The best choice for those dealing with life-threatening diseases and stressing over their financial position, Critical Illness insurance is nothing less than a boon. This medical insurance policy pays the insured individual with a lump sum benefit (up to sum insured chosen) on the first diagnosis and a minimum survival period.
Offering a bigger umbrella to save oneself from cancer, stroke, and other life-threatening illnesses, HDFC ERGO’s Critical Illness policy comes in three variants, namely Silver plan, Gold plan and Platinum plan. HDFC Ergo Critical Illness Insurance lets policyholders have the best treatment. The paid lump sum can be used either to avail treatment or pay off medical bills at the hospital. The policyholder can also use this amount to pay off debts or change his/her lifestyle.
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Key Inclusions and Exclusions of the Plan
What's Included
- An option to to buy the Critical Insurance Plan for 1 and 2 years
- No medical check-up is required for up to the age of 45 years
- Taking care of all your hospital expenses incurred due to a listed critical illness
- Lump sum payment in a single transaction
- Coverage for up to 15 critical illnesses
What's Not Included
- Accidents caused due to wars are not covered under the policy
- Treatment of obesity or cosmetic surgery
- Accidents while participation in defense (Army/Navy/Force) operations
- Self-imposed injuries are not covered
- Accidents encountered while participating in adventure sports
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HDFC ERGO Critical Illness Plan Expert Review
Expert Review
HDFC ERGO, being the responsible health insurer that it is, ensures that people do not run out of an option for a dependable critical illness plan. The insurer, with the help of its Critical Illness Insurance plan, succeeds in letting people emphasise their health rather than engaging in financial concerns. Anyone willing to make a smart investment in advance to avoid life-threatening diseases can go for Critical Illness Insurance plan. As far as the reasons are concerned, there are many.
Starting with the eligibility criteria, the plan can be purchased by individuals in the age group of 5 years to 65 years. The plan is quite affordable and can be easily availed on individual sum insured basis. You can opt for Critical Illness Insurance policy by choosing either Silver Plan, Gold Plan or Platinum. A major point to note is that each plan under the policy offered covers a specific set of critical illnesses. Talking about the range of sum insured, Critical Illness Insurance gives one the option to choose between Rs. 5 Lakh, Rs. 7.5 Lakh, and Rs. 10 Lakh.
Major Attractions
Critical Illness Insurance by HDFC ERGO is a great policy that protects your finances while allowing uninterrupted medical treatment. The policy keeps the promise of providing the much-desired financial security by offering a lump sum amount in a single transaction upon the first diagnosis of any of the critical illness covered under the plan chosen. Even if the policyholder is allowed to make only one claim during the policy period, the investment is worthwhile. Features that make Critical Illness Insurance, an ideal choice include -
- Low premium, wide coverage
- 1 year or 2 years policy period
- A basic 30-day survival period
- Coverage for up to 15 critical illnesses
- No pre-policy checkup requirement for individuals up to 45 years of age
- No need to submit any documentation, except for in the case of preexisting disease
- Freedom to choose 1 out of 3 plans that fit one’s specific critical illness insurance needs
- Liberty to use the policy lump sum amount for paying off debts, costs of care & treatment, recuperation aids, bring about a change in lifestyle, and others
What’s More?
Critical Illness Insurance by HDFC ERGO is the ultimate protector of health as well as hard-earned savings. If you think this policy will be beneficial for you in every which way, your choice will transform into decision within no time on uncovering additional aspects, which include -
- Renewability for lifetime
- The seamless and easy claim process
- Tax benefits under Section 80D of the Income Tax Act 1961. You can save tax up to Rs. 50,000
- A free look period of 15 days starting from the date of receipt of the policy document
Conclusion
To conclude, Critical Illness Insurance is a reliable plan to invest in. Right from coverage to claim process, each feature of the policy is designed while keeping the needs of an individual dealing with a critical emergency in mind.
Those who find the policy apt as per their critical illness requirements, you can take a smart step forward by opting for Critical Illness Insurance right away. However, it is recommended to buy the plan online so that you don’t encounter policy issuance and transparency issues like in the case of an offline purchase. Also, you can make a convenient choice by relying on InsuranceDekho for purchase to make the most of benefits such as policy portability, claim settlement support, and others that are a big help, if and when the need arises.

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FAQs on Critical Illness Plan Health Insurance Plan
Why should I buy HDFC ERGO Critical Illness?
HDFC ERGO’s Critical Illness Plan is an ideal solution to get your critical illness medical treatment done without facing any financial burden or mental stress. The policy provides a lump sum amount up to the sum insured upon first diagnosis of any one of the critical illness (depending on the plan (Silver, Gold or Platinum) opted). Moreover, it offers one with tax benefit under Section 80D of Income Tax Act 1961. All in all, it will provide you with not only financial security and mental peace during critical times, but also help you with saving tax.
What is the minimum and maximum entry age for Critical Illness plan?
HDFC ERGO’s Critical Illness policy covers individuals up to the age of 5 years to 65 years.
What is the survival period for HDFC ERGO Critical Illness?
The patient should survive for at least 30 days even if he is diagnosed with a critical illness listed in the insurance cover.
What are the critical illnesses covered under HDFC ERGO’s Critical Illness Silver plan?
Heart Attack (Myocardial Infarction), Major Organ Transplantation, Coronary Artery Bypass Surgery, Multiple Sclerosis, Stroke, Cancer, Kidney Failure, and Paralysis are critical illnesses covered under the Silver variant of Critical Illness plan.
What are the critical illnesses covered under HDFC ERGO’s Critical Illness Gold plan?
Critical Illness Gold plan by HDFC ERGO covers Heart Attack (Myocardial Infarction), Coronary Artery Bypass Surgery, Stroke, Multiple Sclerosis, Paralysis, Cancer, Kidney Failure, Major Organ Transplantation, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, and Heart Valve Replacement.
What are the critical illnesses covered under HDFC ERGO’s Critical Illness Platinum plan?
HDFC ERGO’s Critical Illness Platinum plan covers Heart Attack (Myocardial Infarction), Coronary Artery Bypass Surgery, Stroke, Cancer, Parkinson’s Disease, Alzheimer’s Disease, Kidney Failure, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Major Organ Transplantation, Multiple Sclerosis, Paralysis, Heart Valve Replacement, Benign Brain Tumor, and End Stage Liver Disease.
What are the sum insured options under HDFC ERGO Critical Illness?
The sum insured options that come with HDFC ERGO Critical Illness plan include Rs. 5 Lakh, Rs. 7.5 Lakh, and Rs. 10 Lakh.
Do I need to undergo medical tests to enroll under the Critical Illness policy?
For individuals up to 45 years of age, no pre-policy medical check up is required.
Can I make multiple claims for same or any other critical illness under HDFC ERGO’s Critical Illness plan?
Under HDFC ERGO Critical Illness plan, you can make only one claim during the policy lifetime.
Does Critical Illness plan come with the tax exemption feature?
One can avail up to Rs. 50,000 as tax benefit under Section 80D of the Income Tax Act 1961.