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hdfc student travel insurance HDFC ERGO Critical Illness

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HDFC ERGO health insurance review

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Sum Insured

USD 30,000 to 5,00,000

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Claims settlement ratio **

85.97%

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Incurred claims ratio

62.00%

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Number of policies issued *

1,066,395

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Number of lives covered *

96,05,000

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Tenure options

2 years

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List of network hospitals

10,000+ hospitals

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Maximum family floater coverage

Self, Spouse + dependent (children (upto 25 yrs) + parents)

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Brochure

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Policy Wordings

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* As per IRDAI report   |   ** As per NL25 data published on the Insurance Company website

HDFC ERGO Critical Illness benefits

  • Features of HDFC ERGO Critical Illness Insurance

    • Offers Lump Sum Benefit on first diagnosis any of 15 critical Illnesses
    • Three Options of Silver, Gold and Platinum Plans available
    • Lifetime renewal
    • Entry age 5 years to 65 years
    • Sum Insured available from ₹100,000 to ₹50,00,000
    • 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 Insurance

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

    Critical Illness covered Silver
    Heart Attack (Myocardial Infarction) Heart Attack Covered
    Coronary Artery Bypass Surgery Coronary Artery Bypass Surgery Covered
    Cancer Cancer Covered
    Cancer Cancer Covered
    Kidney Failure Kidney Failure Covered
    Major Organ Transplantation Major Organ Transplantation Covered
    Multiple Sclerosis Multiple Sclerosis Covered
    Paralysis Paralysis Covered

HDFC ERGO health insurance FAQ's

Individual plan has to be separate for every individual. Floater covers all in family (max. 2 Adults and Children upto 25 years and Dependent parents) and provides one sum insured to all, hence there is saving of premium.

There is No maximum exit age for HDFC Ergo medical insurance.

Sub limit defines the capping of insurance amount, for specific surgeries and medical procedures, which reduces the premium of the plan. You can also opt for an add on cover by paying extra premium to remove the sub- limits under the policy.

The duration only after which a claim can be made is called the waiting period.

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

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