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.

HDFC ERGO Critical Illness Health Insurance Wordings

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Highlights

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

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HDFC ERGO Critical Illness Plan Brochure

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Apr 22, 2019

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HDFC ERGO Health Insurance Plan List

Name of Plan	Sum Insured
Optima SecureMin: 91 Days, Max: 65 YearsPopular		Check Premium
Optima RestoreMin: 91 Days, Max: 65 YearsPopular	3 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 yearsPopular	50,000 - 5 lakh	Check Premium
my: health SurakshaMin: 91 Days; Max: No LimitPopular	3 Lakh	Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 10 Lakh	Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years	1 Lakh - 1 Crore	Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years	50 Thousand - 1 Lakh	Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years	1 Lakh - 50 Lakh	Check Premium
my:Health Koti SurakshaMin: 18 years; Max: 65 years		Check Premium
Maxima PolicyMin: 91 Days; Max: 65 years		Check Premium
Day2Day Care PolicyMin: 91 Days; Max: 65 years		Check Premium
iCan CancerMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium
Health WalletMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
EnergyMin: 18 Years, Max: 65 Years	2 Lakh	Check Premium
Optima SeniorMin: 61 Years; Max: No Limit	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium

HDFC ERGO Health Insurance Top Up List

Name of Plan	Sum Insured
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 YearsPopular	3 Lakh	Check Premium
Optima SuperMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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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.

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Claim Process at HDFC ERGO Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.