If Insured Person suffers from Critical illness Condition/Surgical Procedureas listed below, whose diagnosis and/or manifestation first commence/occurs after 90 days from the commencement of first Policy with Us, Wewill pay Sum Insured as specified on the Schedule of Coverage.
|Critical Illness/Surgical Procedure||Stage|
|Surgery of Aorta||Major|
|Kidney failure requiring regular dialysis||Major|
|Major Organ/Bone Marrow Transplantation||Major|
|Primary (Idiopathic) Pulmonary Hypertension||Major|
|End Stage Liver Failure||Major|
|Dissecting Aortic Aneurysm||Major|
|Medullary Cystic Disease||Major|
|Other serious coronary artery disease||Major|
|End Stage Lung Failure||Major|
|Multiple Sclerosis with persisting symptoms||Major|
|Chronic Adrenal Insufficiency (Addison’s Disease)||Major|
|Permanent Paralysis of Limbs||Major|
|Benign Brain Tumour||Major|
|Chronic Relapsing Pancreatitis||Major|
|HIV due to blood transfusion and occupationally acquired HIV||Major|
|Motor Neurone Disease with permanent symptoms||Major|
|Creutzfeldt-Jakob Disease (CJD)||Major|
|Severe Ulcerative Colitis||Major|
|Major Head Trauma||Major|
|Loss of Speech||Major|
|Progressive Supranuclear Palsy||Major|
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 Women's Critical Illness Essential Plan brochure to understand coverage details.Know more »
Fill the online HDFC ERGO Women's Critical Illness Essential Plan proposal form.
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