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HDFC Ergo Critical Illness Insurance Plan

HDFC Ergo Critical Illness Insurance Plan - Protect yourself and your family from critical illnesses with HDFC ERGO Critical Illness Insurance policies that give you the additional financial benefits and provide a lump sum amount to cover the costs incurred during treatment and care, recuperation aids and even offer funds in case you are not in a position to earn money due to aging factor.

HDFC ERGO Critical Illness Insurance comes with the benefit of tax exemption up to an amount of Rs. 20,000 under “Section 80D”. With HDFC ERGO Critical Illness, you can compare, calculate premium and conveniently buy a policy online and that too with less documentation formalities. Choose the right health insurance plan and protect your family and yourself against the heavy expenses that accompany critical illnesses. 

Key Highlights - HDFC Ergo Critical Illness Insurance Plan

  • It can be utilized for
    • Paying for the care and treatment
    • Recuperation aids
    • Paying off debts, if any
    • Providing for any lost income due to a decreasing ability to earn
    • Providing funds for a change in lifestyle
  • It offers tax benefits under Section 80D

Features - HDFC Ergo Critical Illness Insurance Plan

  • HDFC ERGO Critical Illness Plan is a unique plan that offers a Lump Sum Benefit amount to the insured person on first diagnosis after a survival period of 30 days and for any one of the 8 such illnesses as specified in the Policy: -

    This plan covers the following illnesses: -
    • Heart Attack (Myocardial Infarction)
    • Multiple Sclerosis
    • Stroke
    • Cancer
    • Major Organ Transplantation
    • Kidney Failure
    • Coronary Artery Bypass Surgery
    • Paralysis
    * 50% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance.

Exclusions - HDFC Ergo Critical Illness Insurance Plan

  • A waiting period of 90 days
  • Invasions, act of foreign enemy, war, act of war or war like operations
  • Unlawful or criminal activity
  • Intentional self-injury
  • Attempt to suicide with being sane or insane
  • Involvement or participation in military, naval or air force operations
  • Participation in sports such as racing, diving, scuba diving, parachuting, hang-gliding, rock or mountain climbing
  • Under the influence of alcohol or drugs
  • HIV/AIDS
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)
"Note: The content is descriptive only. For actual coverage, kindly refer the policy document."

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