HDFC ERGO Critical Illness Plans
Critical illnesses are severe health conditions like heart attacks, kidney failure, cancer, and strokes that need quick and extensive treatment. These illnesses often require long-term care which can be very expensive. Critical illness insurance can help cover these high medical costs.
HDFC ERGO Critical Illness Insurance covers 15 serious illnesses. It gives a one-time payment to the insured person when they are first diagnosed with any of these illnesses. However, this payment is only made if the insured person lives for at least 30 days after the diagnosis.
Critical Illness Covered By HDFC ERGO Critical Illness Plans
Critical illness plans include the following:
- Parkinson’s Disease
- Stroke
- Major Organ Transplantation
- Coronary Artery Bypass Surgery
- End Stage Liver Disease
- Heart Valve Replacement
- Cancer
- Benign Brain Tumour
- Kidney Failure
- Primary Pulmonary Arterial Hypertension
- Aorta Graft Surgery
- Alzheimer’s Disease
- Multiple Sclerosis
- Paralysis
- Heart Attack (Myocardial Infarction)
Key Highlights of HDFC ERGO Critical Illness Insurance Plan
| Categories | Specifications |
|---|---|
| Sum insured | Rs 1 Lakh to Rs 50 Lakh |
| Critical illness waiting period | 90 Days |
| Survival period | 15 days/ 30 days |
| Policy tenure | 1 year, 2 years |
| Plan type | Sliver, Gold, Platinum |
| Pre-existing disease waiting period | 4 years |
| Pre-policy medical check-ups | May be required |
Eligibility Criteria for Getting HDFC ERGO Critical Illness Insurance Plan
| Parameters | Eligibility Criteria |
|---|---|
| Coverage Type | Individual |
| Minimum Age Entry | Adult - 18 years Children - 5 years |
| Maximum Entry Age | Adult - 65 years |
Inclusions and Exclusions of HDFC ERGO Critical Illness Insurance Plan
| Inclusions | Exclusions |
|---|---|
| Free look period | Adventure sports injury |
| No medical check up | Sexually transmitted diseases |
| Lifelong renewability | Self-inflicted injuries or an attempt to suicide |
| Financial security | Pregnancy and related complications |
| Quality medical treatment | Obesity or cosmetic surgery treatment |
Benefits of HDFC ERGO Critical Illness Insurance Plan
Here are some good reasons to get the HDFC ERGO Critical Illness Insurance plan:
1Covers 15 Critical Illnesses
This insurance plan covers up to 15 serious health issues like strokes, heart attacks, and cancer, depending on the plan you choose.
2One-Time Payment When First Diagnosed
If you are diagnosed with one of the 15 covered critical illnesses for the first time, HDFC ERGO will give you a one-time cash payment.
3Tax Benefits
When you buy this insurance, you can save on taxes for the money you spend on the premium, according to Section 80D of the Income Tax Act.
FAQs
The plan covers 15 serious conditions, including heart attacks, strokes, cancer, kidney failure, and more.
If you're diagnosed with one of the covered critical illnesses for the first time, HDFC ERGO will give you a lump sum payment.
Yes, you can claim tax deductions on the premiums you pay for this insurance under Section 80D of the Income Tax Act.
You can apply online through the HDFC ERGO website, or you can contact their customer service for assistance.
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