Critical Illness Insurance

A recent survey states that 1 in 3 persons will develop some life threatening Cancer…1 in 4 persons will develop heart disease before they retire…and 1 in 20 persons risk the chance of having stroke before the age of seventy!*

The results truly emphasize the need to have adequate coverage to cover such contingencies. With medical costs spiraling out of control for ailments like Stroke, Hypertension, Cardiac Arrests etc, it has become imperative to plan for such eventualities.

HDFC ERGO has designed a plan to take away most of your worries. The policy pays a lump sum benefit (upto the Sum Insured opted) on the very first diagnosis and a minimum survival period. At an affordable premium, it's a must buy

(* Source Money Digest 2003)


Provides a lump sum benefit which can pay for:
a) Costs for the care and treatment
b) Recuperation aids
c) Debts pay off
d) Fund for a change in lifestyle
Tax Benefit under section 80D*
Life Long Renewability
(* Subject to the change in Tax Laws)


Pays a lump sum, upto the Sum Insured on first diagnosis of any one of the following
  Critical Illnesses, after a 30 Day survival period from the date of the first diagnosis.
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
9) Aorta Graft Surgery
10) Primary Pulmonary Arterial Hypertension
11) Heart Valve Replacement
12) Benign Brain Tumor
13) Parkinson’s Disease
14) Alzheimer’s Disease
15) End Stage Liver Disease
Policy covers person upto the age of 5 to 65 years.
No medical check up upto 45 years of age*
  (*Subject to no health adversity)
Pre-Policy Check may be required depending on the age and sum insured at the
company specified centre at your own cost.
*If pre-policy check up would be conducted in our empanelled diagnostic centre, 50% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance


A waiting period of 90 days (unless the Insured has been insured under this policy continuously
  and without any break in the previous policy year.)
War or any act of war, invasion, act of foreign enemy, war like operations (whether war be
declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind.
Committing or attempting to commit a criminal or unlawful act, or intentional self-injury or
  attempted suicide while being 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.
Abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as
  drugs and alcohol, including smoking cessation programs and the treatment of nicotine addiction or any other substance abuse treatment or services, or supplies.
Venereal disease, sexually transmitted disease or illness; “AIDS” (Acquired Immune Deficiency
Syndrome) and/or infection with HIV (Human immunodeficiency virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS related complex), Lymphomas in brain, Kaposi's sarcoma, Tuberculosis.
Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or
  birth (including caesarean section), congenital internal and external diseases, defects or anomalies.
Any exclusion mentioned in the Schedule or the breach of any specific condition mentioned in
  the Schedule.
For a complete list of exclusions, kindly refer to our policy wordings.



All Premiums are Excluding Service Tax

Sum Insured - 250,000
Age 1 Year Policy 2 Year Policy
05-17 275 545