HDFC Ergo Critical Illness Platinum Plan

All You Need To Know Features

Features

Key Features:

Provides a lump sum benefit which can pay for

  • Costs for the care and treatment
  • Recuperation aids
  • Debts pay off
  • Any lost income due to a decreasing ability to earn
  • Fund for a change in lifestyle
  • Tax benefit under Section 80D
  • A unique Critical Illness Insurance Plan that provides a Lump Sum Benefit amount on first diagnosis after a 30 Day Survival period for any one of the 15 Critical Illnesses covered under the plan.
Sr no Critical Illness Platinum
1 Heart Attack (Myocardial Infarction) Yes
2 Coronary Artery Bypass Surgery Yes
3 Stroke Yes
4 Cancer Yes
5 Kidney Failure Yes
6 Major Organ Transplantation Yes
7 Multiple Sclerosis Yes
8 Paralysis Yes
9 Aorta Graft Surgery Yes
10 Primary Pulmonary Arterial Hypertension Yes
11 Heart Valve Replacement Yes
12 Benign Brain Tumor Yes
13 Parkinson’s Disease Yes
14 Alzheimer’s Disease Yes
15 End Stage Liver Disease Yes

coverage

The HDFC ERGO Critical Illness Platinum Plan covers any one of the following critical illnesses.

  • Heart Attack (Myocardial Infarction)
  • Stroke
  • Coronary Artery Bypass
  • Cancer
  • Kidney Failure
  • Multiple Sclerosis
  • Paralysis
  • Major Organ Transplant
  • Primary Pulmonary Arterial Hypertension
  • Aorta Graft Surgery
  • Heart Valve Replacement
  • Benign Brain Tumor
  • Parkinson's Disease
  • Alzheimer's Disease
  • End Stage Liver Disease

The lump sum benefit of the HDFC ERGO Critical Illness Platinum Plan will be provided to you on the very first diagnosis of your critical illness after a 30 day survival period.

Click here to read the Policy Wording in detail.

Exclusions

The following are the exclusions on the policy that you should note.
Any pre existing disease to the first policy with the company

  • 90 day waiting period
  • War or any act of war
  • Criminal or unlawful act, intentional self injury or attempted suicide while sane or insane
  • Participation or involvement in a naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing
  • Drugs and alcohol related complications
  • Venereal disease, AIDS (Acquired Immune Deficiency Syndrome) and/or infection with HIV
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section), congenital internal and external diseases, defects or anomalies

For complete list please refer the policy wording.

Claims procedure

Initiate a claim or to know about the process visit HDFC ERGO Critical illness Insurance to initiate/Track a claim.

OR

Connect on HDFC ERGO’s Whatsapp no 8169500500

OR

Call on HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim.

*Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings.

*This content is descriptive only. Actual coverage is subject to language policy issued.

Disclaimer:
Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.

Certified Corporate Agent's License No. CA0010

Already have a Critical Illness Platinum Plan?

Get started with Critical Illness-Platinum Plan
Got your Welcome Kit? Inside it you will find:

  • A policy document
  • Policy Wordings: to help you understand what is covered under the policy

Did you know?

  • You can get a lump sum payment on the very first diagnosis of an illness so you can get the best treatment available.
  • You can get financial security to meet immediate health contingencies.
  • You should take into consideration the high and rising cost of medical treatment.

You can also benefit from:

  • A Health Suraksha Policy that provides you optimal coverage for treatment, including all pre and post hospitalization costs, medical check-ups, cumulative bonus, minimum out-of-pocket expenses etc
  • A Personal Accident Policy that offers you a comprehensive accident insurance in India as well as any other location worldwide
  • A Travel Insurance Policy that enables you to explore and enjoy new destinations with heartiness and without any worries

Commission on General Insurance

Frequently Asked Questions

The best part of this policy is that you do not require to submit any documentation. Simply fill the details online and make payment via multiple secured payment modes. In case of a pre-existing disease, you might have to submit relevant medical documents.

No pre-policy medical check up is required for individuals upto 45 years.

In case of a claim under the Policy, you should immediately intimate us on our helpline numbers. On receipt of the intimation, we would register the claim and assign a unique claim reference number which would be communicated to the Insured which may be used for all future correspondence.

No, you can make only one claim during the lifetime of the critical illness insurance.

You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.

Critical Illness policy covers individuals in the age group of 5 years to 65 years.

Critical Illness Insurance is a policy that pays out a lump sum amount upto the sum insured upon diagnosis of a critical illness covered under the policy.

Critical Illness cover can be offered only to Individual with No past medical history of critical illness. For more information, read the policy document

You can choose from sum insured ranging from Rs. 5 lacs, Rs. 7.5 lacs and Rs. 10 lacs.

The Policy pays the sum insured as lump-sum on first diagnosis of any of the Listed Critical Illnesses stated in the policy after a waiting period and provided that the insured person survives a period as specified in the policy from the date of the first diagnosis of the Critical illness.

The following 8 Critical Illnesses are covered under Silver plan of our Critical illness policy:-

  1. Myocardial Infarction (First Heart Attack of specified severity)
  2. Open Chest CABG
  3. Stroke resulting in permanent symptoms
  4. Cancer of specified severity
  5. Kidney Failure requiring regular dialysis
  6. Major Organ Transplantation
  7. Multiple Sclerosis with Persisting Symptoms
  8. Permanent Paralysis of Limbs

    Platinum Plan covers a total of 15 critical illnesses. In addition to above mentioned illnesses, this plan covers:-
  9. Surgery of Aorta
  10. Primary (idiopathic) Pulmonary Hypertension
  11. Open Heart Replacement or Repair of Heart Valves
  12. Benign Brain Tumor
  13. Parkinson’s disease
  14. Alzheimer’s Disease
  15. End Stage Liver Failure

Critical Illness Insurance Plans refers to the coverage against Specified major medical illnesses or diseases. The management of these critical illnesses requires long term care. Apart from the hospitalization costs, there will be other expenses like doctor visit fees, other medical expenses, rehabilitation and much more. Under Critical Illness plan a lump sum amount i.e. the Sum Insured is paid, which can be used to cover these expenses. This lump sum amount is in addition to any of your indemnity health insurance policy.

Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.

No, you can make only one claim during the lifetime of the critical illness insurance.

Disease means a pathological condition of a part, organ, or system resulting from various causes, such as infection, pathological process, or environmental stress, and characterized by an identifiable group of signs or symptoms.

You can avail upto ^^Rs.50,000 as tax benefit under 'Section 80 D'.

Critical Illness Insurance provides you and your family an additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which can be used for: costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.

Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within 48 months prior to your first policy with the company is termed as pre-existing diseases.

Critical Illness Insurance provides you and your family, the additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which could be used for: costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.

`The premium (excluding tax) mentioned is for platinum plan tier 2 1 adult age 36-45 years. #1.5 Crore+ Active Customers upto July-2022. **With my:health Suraksha you can choose from monthly, quarterly, half-yearly, and annual premium payment option. *Based on the data from 1st of October 2019 to 31st of May 2020, the average time taken for approval of our cashless health claims is less than 20 minutes. Subject to satisfactory submission of all relevant documents and information(s) to the Company. TAT for approval of pre-authorization requests is 60 minutes. Cashless hospitalization available only in HDFC ERGO network hospitals. Visit www.hdfcergo.com for your nearest network hospital. °Average time for reimbursement settlement claim is 6 hours. TAT for approval of reimbursement claim is 7 days. ^Subject to change as per Tax Laws in India.^* Upto Single Standard Critical Illness Insurance: HDFHLIP10002V010910

HDFC ERGO Critical Illness insurance policy has a waiting period of 90 days.