Why settle for less when it
comes to health security?
We cover up to 15 Critical
Illnesses in 1 single plan.
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Why Choose HDFC ERGO Health Insurance
15000+ Cashless
Healthcare Networkˇ
Additional 5%
Online Discount^*
₹24000+ Cr claims
settled till now Ì‘
Quick & Easy
Claims Process
3 claim processed
every minute^^
3.2 Crore+
Happy Customers@
Health care is always accessible at the time of need all thanks to our wide network of cashless hospitals.
Critical Illness Insurance: An Important Safety Measure
A critical illness insurance policy refers to the insurance coverage that helps you to handle expenses related to life-threatening critical illnesses and lifestyle diseases such as cancer, stroke, Parkinson’s disease, paralysis, live disorders, kidney failure, and other ailments. These critical illnesses require expensive treatments, which can put financial burden on a person, so it is necessary that these expenses are often covered. And to help you ease your financial pressure, it is essential to get a Critical illness Insurance cover along with the best health insurance policy. HDFC ERGO’s Critical Illness Insurance Cover will be your perfect partner during difficult times, with lower premiums and bigger coverage to assist you with better financial planning.
Illnesses Covered under Critical Illness Insurance Plans
| Covers Under Critical Illness Insurance | Platinum Plan | Silver Plan |
|---|---|---|
| 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 Tumour | | |
4 Reasons To Choose HDFC ERGO’s Critical Illness Policy
Upto 15 Critical Illnesses covered
The bigger the health coverage, the lesser stress for you and that is exactly what we are offering – coverage of wide range of illnesses in a single plan.
Lump Sum payment in a single transaction
To save you from additional worry and time required to check with the insurance company about money clearances, we pay the sum insured in a single transaction.
Comprehensive plans
We are offering two wide-ranging plans. Find the plan that best matches with your need
Option to buy for 1 & 2 Years
The plans are available for one or two years with the option of easy renewals
.Understand Coverage Offered by Our Critical Illness Insurance
Financial Security
Your treatment will have little or no impact on your hard-earned savings as the critical illness insurance will take care of the hospital bills.
Quality medical treatment
You won’t have to worry about not being able to afford the medical expenses at quality hospitals. Courtesy the insurance, you can get the best treatment available to help you recover.
Free Look Period
We provide a free look period of 15 days starting from the date of receipt of the critical illness policy document.
No Medical Check-ups
No medical check-ups up to the age of 45 years.
Tax saving under section 80D
Taking this critical illness cover will also give you tax benefits and you can save tax up to ^^Rs. 50,000.
Lifetime Renewability
The policy can be renewed for a lifetime period.
Adventure sport injuries
Adventure sports can be exciting, but if you meet with an accident, while participating in them, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.
Self-inflicted injuries
You might think of causing injury to yourself, but we don’t want you to get hurt. Our policy does not cover self-imposed injuries.
War
Wars are disastrous and unfortunate. However, our policy does not cover any claims that are caused due to wars.
Participation in defense operations
Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
Sexually transmitted diseases
We do understand the critical nature of your disease. However, our policy does not cover venereal or sexually transmitted diseases.
Obesity or cosmetic surgery treatment
Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.
How to Make a Claim for your HDFC ERGO Critical Illness Health Insurance Policy
Intimate us
Fill up the pre-auth form at the network hospital for cashless approval
Approval/Rejection
Once hospital intimates us, we send you the status update
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
Claim settlement
At the time of discharge, we settle the claim directly with hospital
We settle reimbursement claims within 6~* hours
Hospitalisation at non network hospital
You need to pay the bills initially and preserve the original invoices
Register a claim
Post hospital discharge send us all your invoices and treatment documents
Verification
We verify your claim related invoices and treatment documents
Claim Settlement
We send the approved claim amount to your bank account.
Hear from Our happy customers
Our customers have rated us
OPTIMA RESTORE
27 Sep 2021
Excellent service, would definitely recommend
OPTIMA RESTORE
10 Sep 2021
Super quick service
OPTIMA RESTORE
16 Jul 2021
I am very happy with your claim settlement process
OPTIMA RESTORE
20 Sep 2021
Good Service
Frequently Asked Questions
1. What is a Critical Illness Insurance?
Critical Illness Insurance is a policy that pays out a lump sum amount upto the sum insured upon diagnosis of a critical illness covered under the policy.
2. Why should I purchase Critical Illness Insurance?
Critical Illness Insurance provides you and your family, the additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which could be used for: costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.
3. What is a Benefit Policy?
Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.
4. What are the benefits under this policy?
The company will pay the sum insured as lump-sum on first diagnosis of any of the Critical Illnessess stated in the policy, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following Critical Illnesses are covered under our plan:- 1. Heart Attack (Myocardial Infarction) 2. Coronary Artery Bypass Surgery 3. Stroke 4. Cancer 5. Kidney Failure 6. Major Organ Transplantation 7. Multiple Sclerosis 8. Paralysis
5. What are the available plans under this critical illness policy?
You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.