Robinhood Insurance Broker Private Limited

HDFC Ergo Critical Illness Plan

HDFC ERGO General Insurance

HDFC ERGO General Insurance is a joint venture between HDFC Ltd., a leading Housing Finance Institution in India and ERGO International AG, a premier insurance body of Munich Re Group. With network across 70 cities, HDFC Ergo offers a wide range of general insurance products to meet the requirements of individuals and companies.

Contact Details

Toll Free Number- 1800-2700-700
E-Mail - care@hdfcergo.com

Product Overview -
HDFC Ergo Critical Illness Plan

HDFC Ergo Critical Illness Plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.

Unique Features - HDFC Ergo Critical Illness Plan

This policy covers 15 major Critical Illnesses. 
15 Days Survival Period option available (On payment of additional premium)

Eligibility Criteria - HDFC Ergo Critical Illness Plan

Eligibility Criteria
Age Criteria Min Entry Age: 5 Years Max Entry Age: 65 Years
Renewal Age Life Long Renewal
Coverage for Individual & Family Basis Individual - For Self, Spouse, Dependent Children/Parents 
Sum Insured Rs. 2.50 Lacs, Rs. 5 Lacs, Rs. 7.50 Lacs and Rs. 10 Lacs
Policy Tenure 1 Year and 2 Years

Product Benefits - HDFC Ergo Critical Illness Plan

Critical Features
No Of Covered Disease 15
Initial Survival Period 30 Days
Initial Waiting Period 90 Days 
Coverage For PED Not Specified
Second Opinion Not Covered
Other Features
Add-On Covers Not Available
Sum insured Range Rs. 2.50 Lacs to Rs. 10 Lacs
Type of Coverage Individual only
Annual Health Check-Up Not Covered

Waiting Period - HDFC Ergo Critical Illness Plan

Initial Waiting Period - The insured is not covered for the 15 diseases under this policy for the first 90 days of the policy coming into existence. The waiting period is not applicable on subsequent renewals.
Pre-Existing Diseases - Any pre-existing condition will be covered after a waiting period of 48 months.


Survival Period - HDFC Ergo Critical Illness Plan

The survival period is the length of time, the insured, must survive after he has been diagnosed with a covered critical illness
30 Days(Silver Plan)
8 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure.(To reduced survival period upto 15 days extra premium amount will be charged)
1.Heart Attack (Myocardial Infarction)
2.Coronary Artery Bypass Surgery
3.Stroke
4.Major Organ Transplantation
5.Cancer
6.Multiple Sclerosis
7.Kidney Failure
8.Paralysis

30 Days(Gold Plan)
11 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure.(To reduced survival period upto 15 days extra premium amount will be charged)
1.Heart Attack (Myocardial Infarction)
2.Coronary Artery Bypass Surgery
3.Stroke
4.Major Organ Transplantation
5.Cancer
6.Multiple Sclerosis
7.Kidney Failure
8.Paralysis
9.Aorta Graft Surgery
10.Primary Pulmonary Arterial Hypertension
11.Heart Valve Replacement

30 Days(Platinum Plan)
15 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure.(To reduced survival period upto 15 days extra premium amount will be charged)
1.Heart Attack (Myocardial Infraction)
2.Coronery artery Bypass Surgery
3.Stroke
4.Cancer
5.Kidney failure
6.Major organ transplantation
7.Multiple Sclerosis
8.Paralysis
9.Aorta Graft Surgery
10.Primary Pulmonary Arterial Hypertension
11.Heart Valve Replacement
12.Benign Brain Tumor
13.Parkinson's Disease
14.Alzheimer's Disease
15.End Stage Liver Disease

Exclusion - HDFC Ergo Critical Illness Plan

  • Invasions, act of foreign enemy, war, act of war or war like operations
  • Unlawful or criminal activity
  • Intentional self-injury
  • Attempt to suicide with being sane or insane
  • Involvement or participation in military, naval or air force operations
  • Participation in sports such as racing, diving, scuba diving, parachuting, hang-gliding, rock or mountain climbing
  • Under the influence of alcohol or drugs
  • HIV/AIDS
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)

Add-ons - HDFC Ergo Critical Illness Plan

Not Available

Additional Discounts - HDFC Ergo Critical Illness Plan

Not Available

Tax Benefits - HDFC Ergo Critical Illness Plan

Tax benefits for the premium paid under Section 80D of the Income Tax Act.

Claim Process - HDFC Ergo Critical Illness Plan

Know Claim Process




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