• Introduction
  • Key Highlights
  • What's included?
  • What's not included?
  • Plan options
  • FAQs

Critical Illness Insurance

 

Most suited health plan, said to be the perfect partner during critical times, this plan will take away your financial worries and let you focus on health. Our critical illness insurance ensures there’s no dent on your savings. It is a smart move made well in advance to prevent life threatening diseases such as cancer, stroke, etc from draining your savings. Lower premiums and bigger coverage help you focus on your health without any financial stress.

Reasons to choose Critical Illness Insurance

Upto 15 Critical Illness covered
Just like you need a bigger umbrella to save yourself from heavy rain, you always need a plan with wide coverage and that's why we cover a wide range of illnesses in a single plan.
Lump Sum payment in a single transaction
We know you do not like the additional stress of checking with the insurance company about the money clearances and that's why we pay the Sum Insured in a single transaction.
2 Plans available
We have spoilt you for choices. Find the plan that best matches with your needs.
Option to buy for 1 & 2 Years
The plans are available for one or two years with the option of easy renewals.

What’s Included?

cov-acc

Safeguards your finances

Your treatment will have little or no impact on your hard-earned savings as the insurance will take care of the hospital bills.

cov-acc

Ensures 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 that will get you up and running in no time.

cov-acc

Free Look Period

We provide a free look period of 15 days starting from the date of receipt of the policy document.

cov-acc

Lifetime Renewability

The policy can be renewed for a lifetime period.

cov-acc

No medical Check-ups

No medical check-ups up to the age of 45 years.

cov-acc

Tax saving under section 80D

Taking this insurance will also give you tax benefits and you can save tax up to ^^Rs. 50,000.

What’s not included?

cov-acc

Adventure Sport injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

cov-acc

Self-inflicted injuries

You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

cov-acc

War

War can be disastrous and unfortunate. However, our policy does not cover accidents that are caused due to wars.

cov-acc

Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

cov-acc

Venereal or Sexually transmitted diseases

We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.

cov-acc

Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

Waiting Periods

cov-acc

Survival Period

The patient should survive for at least 30 days even if he diagnosed with a critical illness listed in the insurance cover.

cov-acc

First 90 Days From Policy Inception

We will entertain all claims post waiting period of 90 Days.

Our Cashless
Hospital Network

9000+

Hospital Locator
or
Locate Hospitals Near You

Seamless & Easy Claims! Assured


Register & Track Claims through our website

Locate network Hospitals Near You

Regular claim update on your mobile

Avail your preferred mode of claims settlement
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. **90% of pre-authorised cashless health claims are responded within 22 minutes and reimbursement claims are approved within 3 days.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. **90% of pre-authorised cashless health claims are responded within 22 minutes and reimbursement claims are approved within 3 days.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.

Other related articles

 

Other related articles

 

Frequently asked questions

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.
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.
Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.
The company will pay the sum insured as lump-sum on first diagnosis of any of the Critical Illness, 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
You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.
Critical Illness policy covers individuals in the age group of 5 years to 65 years.
No pre-policy medical check up is required for individuals upto 45 years.
The best part of this policy is that you do not require to submit any documentation. Simply fill the details online and make payment via multiple secured payment modes. In case of a pre-existing disease, you might have to submit relevant medical documents.
You can avail upto ^^Rs.50,000 as tax benefit under 'Section 80 D'.
Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within 48 months prior to your first policy with the company.
Disease means a pathological condition of a part, organ, or system resulting from various causes, such as infection, pathological process, or environmental stress, and characterized by an identifiable group of signs or symptoms.
No, you can make only one claim during the lifetime of the policy.
In case of a claim under the Policy, you should immediately intimate us on our helpline numbers. On receipt of the intimation, we would register the claim and assign a unique claim reference number which would be communicated to the Insured which may be used for all future correspondence.
Awards & Recognition
x