Critical Illness Insurance Policy - HDFC ERGO
Critical Illness Your companion in critical illness
  • - Covers 8 critical illness
  • - Provides a lump sum benefit on first diagnosis
  • - No health check-up
  • - Tax benefit U/s 80D*

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With changing times, our lifestyles have changed. Unhealthy food habits, inactive days, and stress have all contributed to making us vulnerable to a number of diseases.

Diseases are a harsh truth of our lives. Some of them make you weak while some major ones may be fatal. In this high-risk and fast-paced life, it is important to keep yourself and your loved ones protected.

One such dreaded disease is cancer. You need not have a family history to be diagnosed with this critical disease. It is quite unpredictable, who and when someone may be gripped with this critical illness. But, being preparedfor such a situation helps in reducing stress and combating the symptoms efficiently. For that, all you need to do is plan in advance and buy the besthealth insurance for cancer.

Why cancer insurance policy is important?

  • A cancer insurance policyguards you against uncertainties of life and assists you at the right time. It keeps you financially stable at difficult times. Cancer treatment in India is expensive; and to make sure that you get the best during such tough times, it is recommended that you should have acancer insurance plan.
  • Being diagnosed with cancer is mentally and emotionally disturbing. An insurance policy ensures that during such a difficult situation, you have one less thing to worry about—finances. And managing finances is definitely a humongous task.

How does cancer insurance policy help?

Buying cancer insurance in India proves to be of great help. When you already have an insurance policy in hand, you do not have to worry about draining out your entire life’s savings at once. You may concentrate on your health, while your insurer takes care of the funds. Apart from this, the insurer will also offer monetary support to your family, in case you are busy getting a treatment and there is a loss of income.

Struggling with cancer is not easy. And, you will want your family to stand together for you at such a time instead of being caught up in managing funds.

What does HDFC Ergo offer?

While looking for the best cancer health insurance plans, it is hard to overlook what HDFC Ergo has to offer. HDFC Ergo provides two separate plans for cancer – Critical Illness.

What will the cancer insurance policy offer?

In case, you are diagnosed with cancer, your HDFC Ergo policy will give you a lump sum benefit that may be used to pay for the treatment, care, and recovery. The money may also be useful for paying off debts, substituting lost income, or even in adapting to lifestyle changes in some cases.

This amount you receive is eligible for tax benefits in India under section 80D. The plans come with an option of one or two-year coverage period and lifelong renewability. They are open for individuals aged between 5 and 65 years of age. You may be required to undergo a pre-policy health check-up depending on your age and sum insured.

What will the cancer insurance policy not cover?

The cancer insurance policy comes with certain exclusions. You will not be covered in the following situations:

  • Waiting period of 90 days
  • Act of foreign invasion or war
  • Criminal activity
  • Intentional self-injury or attempt to suicide
  • Involvement in military, air force, or naval operations
  • Participation in adventure sports like scuba diving and rock climbing
  • Under the influence of drugs or alcohol
  • Diagnosed with HIV/AIDS
  • Treatment due to pregnancy, miscarriage, or maternity birth

How much premium do I need to pay?

Cancer insurance premiums differ for individuals depending on the age, sum insured, and the selected coverage duration. To know, how much premium you will have to pay for a certain plan, simply use the online calculator available on HDFC Ergo’s website.

Why HDFC Ergo?

With HDFC Ergo, you can rest assured that your money is safe and you will surely get it when in need. With its quick application and claim processes involving minimal paperwork, the company has made all procedures convenient and hassle-free.

The company offers you several policy options and lets you get peace of mind to keep yourself and your family secure. Go for HDFC Ergo’scancer insurance benefits to build a perfect protection for you and your family.