Heart Attack (Myocardial Infarction) | Aorta Graft Surgery |
Benign Brain Tumor | Heart Valve Replacement |
Parkinson’s Disease | Alzheimer’s Disease |
End Stage Liver Disease | Coronary Artery Bypass Surgery |
Stroke | Cancer |
Kidney Failure | Major Organ Transplantation |
Multiple Sclerosis | Paralysis |
Primary Pulmonary Arterial Hypertension |
Most of the Health Insurance Policies offered by the General Insurance companies in India have waiting periods during which certain pre existing diseases are excluded in the coverage. They are excluded for certain predefined period (number of years) before they are covered i.e. The Policy holder is expected to have continuous cover for the predefined period before the pre existing diseases are covered under the policy. Portability will ensure that these accrued benefits are transferred (without any dilution) to the new insurer at the time of renewal and porting and the consumer do not lose on these accrued benefits while opting to switch the insurer using Health Insurance Portability. The Policy holder can port the following accrued credits: General waiting period Waiting periods pertaining to the coverage of pre - existing diseases / conditions Any time bound exclusions
It refers to payment of the Medical Expenses incurred by the insured, immediately 90 days before and 180 days after Hospitalization.
It refers to payment of the Medical Expenses incurred by the insured while undergoing Specified Day Care Procedures/ Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours Hospitalization.
Pre - acceptance Health check is not mandatory for people who are less than 45 years old and without any history of illness. Insured’s with following condition, acceptance of proposal is subject to a satisfactory medical examination as per HDFC Ergo’s requirements.
Review HDFC ERGO Critical Illness Platinum insurance brochure to understand coverage details.
Know more »Fill the online HDFC ERGO Critical Illness Platinum insurance proposal form.
Review HDFC ERGO Critical Illness Platinum insurance policy wordings which explains the terms and conditions.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
Know more »HDFC ERGO Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 10,000+ Hospitals
Know more »Compare Indian health insurance policies, Health insurance India comparison
Know more »Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.
Know more »FAQ related to Indian health insurance. Get answers for any health insurance questions
Know more »India health insurance tips and tricks to choose the best medical insurance in India Click here to read more
Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more
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Women's Critical Illness Essential Plan
Women's Critical Illness Comprehensive
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Optima Restore
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