A diagnosis of a critical illness for you or your loved one can be a shattering experience. This results in a fanatical race to arrange money for the treatment. With medical cost skyrocketing, the situation worsens if you do not have a Critical Illness Insurance Plan that specifically covers critical illnesses. It’s not just the cost of treatment which will pinch your pocket but the out-of-pocket expense that will squeeze your hard-earned savings. Critical illnesses are, most often than not, sudden and unexpected occurrences and what better way to safeguard yourself from it through an effective Critical illness Insurance plan.
HDFC ERGO Critical Illness PlanHDFC ERGO’s Critical Illness Plan is designed specifically to cover the high costs of critical illness treatments. It is the best way to safeguard, as it pays a lump sum amount on the very first diagnosis. Thus, your Critical Illness Insurance Plan ensures that you can avail the best-in-class treatment. Moreover, the ease and hassle free claims process positively add to the experience. Thereby, making you spend your precious time with your loved one, than running around arranging for funds.
Why HDFC ERGO Critical Illness Plan ?
- Provides a lump sum benefit which can pay for:
- Costs for the care and treatment;
- Recuperation aids;
- Debts pay off;
- Any lost income due to a decreasing ability to earn;
- Fund for a change in lifestyle.
- Tax Benefit Under Section 80D
Critical Illness Exclusions
- 90 days Waiting Period
- War or any act of war, invasion, act of foreign enemy, war like operations
- Criminal or unlawful act, or intentional self injury or attempted suicide while sane or insane
- Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing
- Intoxicating drugs and alcohol
- Venereal disease," AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV
- 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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