Knowledge Centre

Critical Illness Diseases Covered By HDFC ERGO

Imagine finding out that your loved one or you yourself are going through a critical illness condition. Imagine going through the pain, the trauma, the stress and the emotional upheaval that accompanies such a drastic news. Such a situation can bring your life to a screeching halt. Now imagine the pressure to pay hefty amounts for the treatment. Fortunately, HDFC ERGO strives to support you in such critical times. With a critical illness add-on cover, you can provide utmost security to yourself and your family. You can opt for a carefully curated critical illness insurance plan that covers the following critical illnesses.        

  • Heart attack

  • Multiple sclerosis

  • Stroke

  • Cancer

  • Major organ transplantation

  • Coronary Artery Bypass Surgery

  • Paralysis

  • Kidney Failure

  • Aorta Graft Surgery

  • Primary Pulmonary Arterial Hypertension

  • Heart Valve Replacement

  • Parkinson's Disease

  • Alzheimer's Disease

  • End Stage Liver Disease

  • Benign Brain Tumor

Critical illness add-on cover inclusions

Here are some of the unparalleled benefits and features of the HDFC critical health insurance plan that can provide solace in times of distress and promise to completely take care of your treatment.

  • With this add on cover, you are entitled to receive the sum insured as lump sum for the first diagnosis of any one of the critical illnesses mentioned above, provided that the patient survives 30 days from the first diagnosis.

  • The cover can range from INR 5,00,000 to INR 20,00,000, depending on the plan and provides assistance for:

  • Care and treatment

  • Recuperation aids

  • Paying off debts, if any

  • Any lost income due to a decreasing ability to earn

  • Change in lifestyle

  • In case of accidental death of the patient, the nominee will be entitled to the sum insured as a security.

  • Any person belonging to the age group of 5 years to 65 years can be covered under this policy. Children between 5-18 years can be covered only when both the parents are also covered under the same policy.

  • In case the critical illness renders the patient permanently disabled, the policy continues without the patient having to pay any premiums.

  • This policy also provides tax benefit as one can avail INR 15000 as tax redemption under ‘Section 80D’

There are certain exclusions, in case of which, the insured will not be entitled to the benefits of the insurance.

Critical illness add-on cover’s exclusions

Your claim will not be honored in the following cases or will be subject to certain conditions:

  • A waiting period of 90 days will apply to all claims.

  • The claim cannot be sought during situations such as war or any act of war.

  • In case the insured person commits any breach of the law with criminal intent or engages in any act of self-destruction or self-inflicted injury, the claim will be rejected.

  • Insured person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing, will lead to rejection of claim.

  • The claim won’t be honored in case the insured has a history of abuse of intoxicants such as drugs and alcohol etc.

When it comes to life, it is wise to hope for the best and prepare for the worst and you can do the same by buying a critical illness insurance cover for yourself and your family. Just remember the above points so that you can make an informed choice.

The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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