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HDFC ERGO Critical Illness

Objective

A special policy that provides a cover against critical illnesses.


Suited for

This policy is more suitable for those with a family history of life threatening disease(s). People approaching their 40s and those above 40, may opt for this cover as the chances of falling ill increase in old age.


What does it do?

This policy comes in three variants- Silver, Gold and Platinum. Silver Plan covers eight critical illness. Gold and Platinum plans cover more illnesses hence offering a wider protection. This policy pays a lump sum on confirmed diagnosis of any of the critical illnesses covered herein, after a survival period of 30 days. A policyholder cannot make multiple claims during the lifetime of the policy as the cover ceases once a claim is made for critical illness.


Pros

This plan can be bought online through company's website.
Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act.


Cons

Pre-existing diseases are not covered.
A person can enter this policy only upto 45 years of age.


Our View

Critical illnesses prick the pockets hard as their treatments require hefty amounts. This policy is worthy and the three variants on offer are useful for individuals to get cover of their desire that may be based on their family history.

Eligibility
Entry Age (years) 
Minimum5
Maximum45
Maximum Policy Renewal Age (years)66 for one year policy term and 67 years for two years policy term
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum10 lakh
Minimum2.5 lakh
Policy Term (years)1 or 2 years
Tax BenefitSection 80D of the Income Tax Act are applicable
DiscountDiscount on choosing a policy tenure of 2 years
Pre Policy Medical Check UpRequired depending upon age and sum insured
Grace Period for Policy Renewal15 days
Policy TerminationInsurer may cancel the policy by giving a 30 days written notice to policyholder. Policyholder may also cancel the policy at any time by giving a written notice to insurer. In case policyholder cancelling the policy, a certain percentage of premium would be refunded based on policy term elapsed till date.
Customer Service 
AddressHDFC ERGO General Insurance Company Limited 6th floor, Leela Business Park, Andheri-KurlaRoad Andheri East, Mumbai 400 059; Registered Office: Ramon House, HT Parekh Marg 169, Backbay Reclamation, Mumbai 400 020
Mail to[email protected]
Call to1800 2 700 700
Additions to the Plan
Exclusions and Waiting Period
Pre-existing diseasesNot covered
Survival periodCritical illness benefits will be paid only after a survival period of 30 days from the date of first diagnosis.
Waiting Period90 days from the date of buying the policy for the first time
General ExclusionsHIV/ AIDS or any other related diseaseWar, participation in any criminal activity or adventurous activities such as mountaineering etc or any other related condition
Scope Of Cover
SilverGoldPlatinum
Critical Illness Covered
Heart Attack (Myocardial Infarction)coveredcoveredcovered
Coronary Artery Bypass Surgerycoveredcoveredcovered
Cancercoveredcoveredcovered
Strokecoveredcoveredcovered
Kidney Failurecoveredcoveredcovered
Major Organ Transplantcoveredcoveredcovered
Multiple Sclerosiscoveredcoveredcovered
Paralysiscoveredcoveredcovered
Aorta Graft Surgery-coveredcovered
Primary Pulmonary Arterial Hypertension-coveredcovered
Heart Valve Replacement-coveredcovered
Benign Brain Tumour--covered
Parkinson's Disease--covered
Alzheimer's Disease--covered
End Stage Liver Disease--covered

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