HDFC Ergo Insurance Plans

HDFC ERGO Critical Illness Platinum

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Coverage type
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are required 

Key highlights of Critical Illness Platinum

  • Life is very uncertain. Insure it with a Critical Illness Insurance plan that equips you manage financial crisis in those difficult times.
  • Lifetime renewal
  • Entry age 5 years to 65 years
  • Sum Insured available from ₹100,000 to ₹50,00,000

HDFC ERGO Health Insurance Review

HDFC ERGO Health Insurance
HDFC ERGO Health Insurance sum insured
3 lacs − 75 lacs options available
Incurred Claims Ratio *
HDFC ERGO Insurance tenure options
2 years
Claims Settlement Ratio **
List of network hospitals
10,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + dependent (children (upto 25 yrs) + parents)
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

HDFC ERGO Critical Illness Platinum benefits

  • Key Features
  • Critical Illnesses Covered
  • What is Covered / Payable?
  • Exclusions under this Plan

Features of HDFC ERGO Critical Illness Platinum Insurance

  • Room Rent :Payable at Actuals upto Sum Insured
  • Co-pay : NIL for all treatment, Optional Co pay available between 10%-15%
  • Restoration Benefit: Sum Insured Rebound upto 100% of Sum Insured per
  • Offers Lump Sum Benefit on first diagnosis any of 15 critical Illnesses
  • Three Options of Silver, Gold and Platinum Plans available
  • Option to choose survival period of 15 days/ 30 days
  • Tax Benefit under section 80D (Subject to change in Tax Laws)

Covered of HDFC ERGO Critical Illness Platinum Insurance

The Critical Illnesses covered are dependant on the option chosen by the insured.
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

What is Covered / Payable?

The policy 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.

Exclusions of HDFC ERGO Critical Illness Platinum Insurance

  • 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 weapon/materials, chemical & 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 previous policy year)
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section), congenital internal and external diseases, defects or anomalies.
  • Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing or insane
  • 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 exclusion mentioned in the Schedule or the breach of any specific condition mentioned in the Schedule.

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.

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025