Critical Illness Insurance
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*

: 4.4     3642 Ratings | 3642 Reviews

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Critical illness Insurance Policy

Protect yourself and your family from critical illnesses with HDFC ERGO Critical Illness Insurance policies that give you the additional financial benefits and provide a lump sum amount to cover the costs incurred during treatment and care, recuperation aids and even offer funds in case you are not in a position to earn money due to aging factor.

HDFC ERGO Critical Illness Insurance comes with the benefit of tax exemption up to an amount of Rs. 20,000 under “Section 80D”. With HDFC ERGO Critical Illness, you can compare, calculate premium and conveniently buy a policy online and that too with less documentation formalities. Choose the right health insurance plan and protect your family and yourself against the heavy expenses that accompany critical illnesses.
(* Subject to the change in Tax Laws)

Why HDFC ERGOs Critical Illness Insurance Plan because -

  • It can be utilized for
    • Paying for the care and treatment
    • Recuperation aids
    • Paying off debts, if any
    • Providing for any lost income due to a decreasing ability to earn
    • Providing funds for a change in lifestyle
  • It offers tax benefits under Section 80D

HDFC ERGO Critical Illness Plan is a unique plan that offers a Lump Sum Benefit amount to the insured person on first diagnosis after a survival period of 30 days and for any one of the 8 such illnesses as specified in the Policy: -


This plan covers the following illnesses: -
  • Heart Attack (Myocardial Infarction)
  • Multiple Sclerosis
  • Stroke
  • Cancer
  • Major Organ Transplantation
  • Kidney Failure
  • Coronary Artery Bypass Surgery
  • Paralysis

The following are exclusions to the plan: -

  • A waiting period of 90 days
  • Invasions, act of foreign enemy, war, act of war or war like operations
  • Unlawful or criminal activity
  • Intentional self-injury
  • Attempt to suicide with being sane or insane
  • Involvement or participation in military, naval or air force operations
  • Participation in sports such as racing, diving, scuba diving, parachuting, hang-gliding, rock or mountain climbing
  • Under the influence of alcohol or drugs
  • HIV/AIDS
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)
"Note: The content is descriptive only. For actual coverage, kindly refer the policy document."

FAQs

  • Why do I need a Critical Illness Insurance?

    Here are some of the points to consider while purchasing this cover.
    • If you have a history of critical illness in your family
    • Once crossed the age of 40, you should seriously consider a critical illness plan given the time and age a person may live
    • Gives you an additional financial support in case you are diagnosed with an ailment of this nature.
  • Why do I need a Critical Illness Insurance plan?

    HDFC ERGOs Critical Illness policy offers you and your family an addition financial support for the time of diagnosis of an ailment of this nature. The plan provides a lump sum amount that can be used for paying off for the costs incurred during treatment and care, recuperation aids and debts. The policy provides funds for a change in the lifestyle and in case of any lost income due to decreasing ability of insured person to earn.
  • What is the advantage of a “benefit policy”?

    Under the “benefit policy”, in case the insured person suffers from any one of the 8 critical illnesses as mentioned in the plan, shall be paid a lump sum amount for care and treatment by the insurance company.
  • What are the critical illnesses covered in the policy?

    Under this policy, the following illnesses are covered:-
    • Heart attack
    • Multiple Sclerosis
    • Stroke
    • Cancer
    • Major Organ Transplantation
    • Kidney Failure
    • Coronary Artery Bypass Surgery
    • Paralysis
  • What are the plans available under this?

    There are a number of plans available under this policy. One can choose from Sum Insured ranging from Rs. 2,50,000 to Rs, 10,00,000.
  • What is the eligibility criteria for purchasing the policy?

    Individuals under the age group of 5 years to 45 years are eligible for purchasing the policy. The plan also covers children between the age of 5 years to 18 years, only when both the parents are also insured under the policy.
  • Do I need to undergo any medical tests to enroll myself for the policy?

    No pre policy check is required for people under the age of 45 years subject to no health adversity.
  • What kind of documents do I need to furnish for buying the policy?

    All you need to do is submit a duly signed proposal form with relevant details. Choose the Sum Insured as per your budget and make payment via cheque or credit card details in the form.
  • Do I get any tax benefits under this policy?

    Yes, you can avail tax exemption up to an amount of Rs. 15,000 under “Section 80D”. If you are a senior citizen, you can avail tax benefit up to an amount of Rs. 20,000 under “Section 80D”.
  • Is there a permit for making multiple claims for same or any other critical illness as listed in the scheme?

    No, you are only allowed to make one claim during the life of the policy.
  • How to apply for a claim and what documents have to be submitted during claim settlement?

    If you want to life for a claim, please immediately intimate HDFC ERGO on our helpline number. On intimation we would register and assign you a unique claim settlement number which would be used for all further communications.
    The insured person needs to submit the following documents for processing claim settlement within 45 days from the intimation date.
    • Complete claim form
    • Original discharge summary
    • Relevant treatment papers or consultation notes
    • Relevant medical reports along with supporting invoices and requisition from doctor advising the same
    • Original hospitalization bills along with final detailed bill summary
    • Pharmacy bills attached with prescriptions
    • Other relevant documents that may be required by HDFC ERGO
  • Can I purchase a policy online?

    Yes, with HDFC ERGO you can buy an insurance policy online. You can compare different policies available with us and choose the right one for you and your family.
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Critical Illness 4.4 3642 | 3642 Reviews

Customer Review Summary

Average Rating :   
4.4
(Based on 3642 ratings )
Star 5 :
Star 4 :
Star 3 :
Star 2 :
Star 1 :

Customers Reviews

   5
Devesh Singh
08 Jul 2016,  
Plan Type : Individual Sum Insured
      
easy and convenient process
   5
SANJAY PREMJI SHETHIA
25 Jun 2016,  
Plan Type : Individual Sum Insured
      
IT WAS VERY NICE EXPERIENCE LIKE EVERY TIME I DO.
   5
M SURENDAR
11 Jun 2016,  
Plan Type : Individual Sum Insured
      
Online Portal has been equipped with all the required features.
   5
BEENA AMOL SAPRE
08 Jun 2016,  
Plan Type : Individual Sum Insured
      
very fast and convenient process.
   4
NITHEESH N
03 Jun 2016,  
Plan Type : Individual Sum Insured
      
Thanks, it was good experience with HDFC ERGO
   5
Aditya Narvekar
15 May 2016,  
Plan Type : Individual Sum Insured
      
Smooth and quick transaction
   5
RAVI KUMAR
12 May 2016,  
Plan Type : Individual Sum Insured
      
Easy process to renew policy. Thanks.
   5
VISHWA PRAKASH H
10 May 2016,  
Plan Type : Individual Sum Insured
      
easy and quick renewal process.
   5
RENJEEV KUMAR N.S.
09 May 2016,  
Plan Type : Individual Sum Insured
      
it is very easy and speedy process
   5
VAIBHAV - AGRAWAL
06 May 2016,  
Plan Type : Individual Sum Insured
      
It is very convenient and easy to renew the policy online.