Covers over 15

critical health conditions








Hassle free

claim process

Get a Quick Quote
Call Now!
Call Now!
4 Reasons To Choose HDFC ERGO’s Critical Illness Policy

Upto 15 Critical Illnesses covered

The bigger the health coverage, the lesser stress for you and that is exactly what we are offering – coverage of wide range of illnesses in a single plan


Lump Sum payment in a single transaction

To save you from additional worry and time required to check with the insurance company about money clearances, we pay the sum insured in a single transaction.


Comprehensive plans

We are offering two wide-ranging plans. Find the plan that best matches with your needs.


Option to buy for 1 & 2 Years

The plans are available for one or two years with the option of easy renewals.

Inclusion & Exclusions

Financial Security

Your treatment will have little or no impact on your hard-earned savings as the insurance will take care of the hospital bills.


Quality Medical Treatment

You won’t have to worry about not being able to afford the medical expenses at quality hospitals. Courtesy the insurance, you can get the best treatment available to help you recover.


Free Look Period

We provide a free look period of 15 days starting from the date of receipt of the policy document.


No Medical Check-Ups

No medical check-ups up to the age of 45 years.


Tax Saving Under Section 80D

Taking this critical illness cover will also give you tax benefits and you can save tax up to ^^Rs. 50,000.


Lifetime Renewability

The policy can be renewed for a lifetime period.


Adventure Sport Injuries

Adventure sports can be exciting, but if you meet with an accident, while participating in them, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.


Self-Inflicted Injuries

You might think of causing injury to yourself, but we don’t want you to get hurt. Our policy does not cover self-imposed injuries.



Wars are disastrous and unfortunate. However, our policy does not cover any claims that are caused due to wars.


Participation In Defense Operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.


Sexually Transmitted Diseases

We do understand the critical nature of your disease. However, our policy does not cover venereal or sexually transmitted diseases.


Obesity Or Cosmetic Surgery Treatment

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

Get Free Quote
for Critical Illness Insurance
Enter your details
Call Now!
Call Now!

Critical Illness Insurance is a policy that pays out a lump sum amount upto the sum insured upon diagnosis of a critical illness covered under the policy.

If god forbid you are diagnosed with a critical illness, the cost of treatment can weigh you down and if you are planning to buy a critical illness policy, you need to plan it right. Remember it might take some years for you to recover from a critical illness and you should be prepared to support yourself financially till then. So, to calculate how much critical benefit you need, you need to consider the following factors:

Ideally, you get a lump sum assured in a critical illness policy after the first diagnosis. If you are already diagnosed with the illness, unfortunately, you won’t be able to avail yourself of the benefit of a critical care insurance policy.

Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.

The company will pay the sum insured as lump-sum on first diagnosis of any of the Critical Illnessess stated in the policy, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following Critical Illnesses are covered under our plan:- 1. Heart Attack (Myocardial Infarction) 2. Coronary Artery Bypass Surgery 3. Stroke 4. Cancer 5. Kidney Failure 6. Major Organ Transplantation 7. Multiple Sclerosis 8. Paralysis

You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.

Critical Illness policy covers individuals in the age group of 5 years to 65 years.

No pre-policy medical check up is required for individuals upto 45 years.

The best part of this policy is that you do not require to submit any documentation. Simply fill the details online and make payment via multiple secured payment modes. In case of a pre-existing disease, you might have to submit relevant medical documents.

You can avail upto ^^Rs.50,000 as tax benefit under 'Section 80 D'.

Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within 48 months prior to your first policy with the company is termed as pre-existing diseases.

Disease means a pathological condition of a part, organ, or system resulting from various causes, such as infection, pathological process, or environmental stress, and characterized by an identifiable group of signs or symptoms.

No, you can make only one claim during the lifetime of the critical illness insurance.

In case of a claim under the Policy, you should immediately intimate us on our helpline numbers. On receipt of the intimation, we would register the claim and assign a unique claim reference number which would be communicated to the Insured which may be used for all future correspondence.

Critical Illness Insurance Plans refers to the coverage against Specified major medical illnesses or diseases. The management of these critical illnesses requires long term care. Apart from the hospitalization costs, there will be other expenses like doctor visit fees, other medical expenses, rehabilitation and much more. Under Critical Illness plan a lump sum amount i.e. the Sum Insured is paid, which can be used to cover these expenses. This lump sum amount is in addition to any of your indemnity health insurance policy.

The Policy pays the sum insured as lump-sum on first diagnosis of any of the Listed Critical Illnesses stated in the policy after a waiting period and provided that the insured person survives a period as specified in the policy from the date of the first diagnosis of the Critical illness.

The following 8 Critical Illnesses are covered under Silver plan of our Critical illness policy:- 1. Myocardial Infarction (First Heart Attack of specified severity) 2. Open Chest CABG 3. Stroke resulting in permanent symptoms 4. Cancer of specified severity 5. Kidney Failure requiring regular dialysis 6. Major Organ Transplantation 7. Multiple Sclerosis with Persisting Symptoms 8. Permanent Paralysis of Limbs

Platinum Plan covers a total of 15 critical illnesses. In addition to above mentioned illnesses, this plan covers:- 9. Surgery of Aorta 10. Primary (idiopathic) Pulmonary Hypertension 11. Open Heart Replacement or Repair of Heart Valves 12. Benign Brain Tumor 13. Parkinson’s disease 14. Alzheimer’s Disease 15. End Stage Liver Failure

HDFC ERGO Critical Illness insurance policy has a waiting period of 90 days.

Critical Illness Insurance provides you and your family an additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which can be used for: costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.

You can choose from sum insured ranging from Rs. 5 lacs, Rs. 7.5 lacs and Rs. 10 lacs.

Critical Illness cover can be offered only to Individual with No past medical history of critical illness. For more information, read the policy document.

No, you can make only one claim during the lifetime of the critical illness insurance.

Call Now Call Now!