HDFC ERGO Critical Illness
HDFC ERGO Critical Illness covers 8 critical illnesses and by paying a lump-sum amount on first diagnosis which can be used to pay costs for treatment, any debts, change lifestyle needs etc.
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Key Features
No medical check
No medical check-up up to 45 yrs of age
Buy it online
You can buy it online
Instant online policy
Instant online policy issuance for persons between 18 – 45 yrs of age
lump sum amount
After the insured has survived for 30 days from the date of first diagnosis, the policy will pay a lump sum amount
Critical illness
Critical illness covered under this policy are
-
- Heart attack
- Coronary artery bypass surgery
- Cancer
- Stroke
- Paralysis
- Kidney failure
- Major organ transplant
- Multiple sclerosis
Eligibility
| Minimum | Maximum | |
| Coverage Amount (in Rs.) | 2,50,000 | 10,00,000 |
| Policy Term (in years) | 1 | 1 |
| Entry Age (in years) | 5 | 45 |
Exclusions
- First 90 days from commencement of policy
- Persons in military or naval operations, war or any act of war, etc
- Committing or attempting any criminal acts
- Intentional self injury
- Participation in dangerous sports like racing, scuba-diving etc
- Use of drugs, alcohol or intoxicants, treatment of nicotine addiction or any substance abuse
- AIDS, HIV and related conditions
- Pregnancy related, miscarriage, or diseases existing at birth (congenital)
