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  • HDFC ERGO Critical Illness Platinum Plan

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    HDFC ERGO Platinum Critical illness plan is one of the health insurance policies offered by HDFC ERGO general insurance. This plan offers coverage for 15 critical ailments such as benign tumour, Parkinson's disease and Alzheimer's disease among others.

    Features & Benefits - HDFC ERGO Critical Illness Platinum:

    Coverage Type Individual
    Entry Age Minimum is 5; maximum is 65
    Medical Screening No health pre policy health check-up required to avail this health insurance plan
    Purchase Mode Online
    Policy Term Yearly
    Sum Assured Rs 2 Lakhs to Rs 10 lakhs. Sum insured as a lump sum on the confirmed diagnosis of any one of the critical ailments listed below. The insured, should however, survive a period of 30 days from the date of the diagnosis.
    Critical Ailments Covered
    • 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
    Claims Policyholder can make only one claim during the lifetime of the policy
    Tax Benefits Policyholder can claim tax benefit under section 80D of the Income Tax Act. Senior citizens can avail up to Rs.20,000 as tax benefit
    Costs Covered Under the policy, the policyholder gets a lump sum amount which could provide for cost of treatment (including doctor’s fees),recuperation costs, any loss of income due to a decrease in the ability to work and change in lifestyle among others
    Documentation Required
    • Duly completed and signed claim form
    • Copy of ID card of policyholder
    • Medical certificate from a physician confirming the diagnosis of the critical ailment
    • Reports related to critical illness
    • Break up of discharge summary
    • Pharmacy bills along with prescriptions
    • 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
    • Involved in racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing
    • Drugs and alcohol related complications
    • Venereal disease such as AIDS (Acquired Immune Deficiency Syndrome) and/or infection with HIV
    • Treatment related to pregnancy (voluntary termination), miscarriage, maternity or birth (caesarean), congenital internal and external diseases, defects or anomalies, if any

    Find cashless network hospitals nearby: HDFC ERGO Cashless Network Hospitals

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    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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