HDFC Ergo Insurance Plans

HDFC ERGO Critical Illness

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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

  • 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
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 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) 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

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!


Review HDFC ERGO Critical Illness insurance brochure to understand coverage details.

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Proposal form

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Policy wordings

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022