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HDFC ERGO Critical Illness

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HDFC ERGO Critical Illness Insurance Policy

 

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.    

 

Key Features of HDFC ERGO Critical Illness Insurance Policy

 

  • No medical check-up up to 45 yrs of age
  • You can buy it online
  • Instant online policy issuance for persons between 18 – 45 yrs of age

 

 

What is covered in HDFC ERGO Critical Illness Insurance Plan?

 

  • After the insured has survived for 30 days from the date of first diagnosis, the policy will pay a lump sum amount
  • Critical illness covered under this policy are
    • Heart attack
    • Coronary artery bypass surgery
    • Cancer
    • Stroke
    • Paralysis
    • Kidney failure
    • Major organ transplant
    • Multiple sclerosis

 

 

Additional Benefits of HDFC ERGO Critical Illness Insurance Plan

 

Children can be covered if both parents are also covered

 

 

Eligibility and Restrictions of HDFC ERGO Critical Illness Insurance Policy

 

 

 

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 - What is not covered in HDFC ERGO Critical Illness Insurance Policy?

 

  • 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)

 

 

 

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