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HDFC ERGO Critical Illness

HDFC ERGO Critical Illness

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Key highlights of Critical Illness

Offers Lump Sum Benefit on first diagnosis any of 8 critical Illnesses
Sum Insured available from ₹100,000 to ₹50,00,000
Lifetime renewal
Entry age 5 years to 65 years
Option to choose survival period of 15 days/ 30 days
Tax Benefit under section 80D

HDFC ERGO Health Insurance Review

HDFC ERGO Health Insurance sum insured
3 lacs − 75 lacs options available

Incurred Claims Ratio *
62.00%

HDFC ERGO Insurance tenure options
2 years

Claims Settlement Ratio **
85.97%

List of network hospitals
10,000+ hospitals

Number of policies issued *
1,066,395

Maximum family floater coverage
Self, Spouse + dependent (children (upto 25 yrs) + parents)

Number of lives covered *
96,05,000

* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website

HDFC ERGO Critical Illness benefits

What is Covered?
What is not Covered?

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)
Coronary Artery Bypass Surgery
Cancer
Cancer
Kidney Failure
Major Organ Transplantation
Multiple Sclerosis
Paralysis

HDFC Ergo Health Insurance FAQ’s

What is the difference between Individual and Floater options?

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.

What is the exit age for HDFC Ergo Health Insurance?

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

What do you mean by Sub-limits?

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.

What do you mean by Waiting Period?

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

What tax benefits can you avail by having a HDFC Ergo Health Insurance?

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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