HDFC ERGO Critical Illness Platinum Plan

1. The HFDC ERGO Critical Illness Platinum Plan provides policyholders with a lump sum amount after the initial diagnosis, provided the policyholder survives a 30-day survival period.
2. The lump sum amount provided covers the cost of the treatment, recuperation aids, provides reimbursement for income loss suffered due to the diagnosis and is also useful for paying off any debts.
3. Policyholders have to undergo a 90-day waiting period before raising a claim.
4. The plan covers the following critical illnesses:
   1. Heart attack
   2. Paralysis
   3. Coronary artery and bypass surgery
   4. End-stage liver disease
   5. Stroke
   6. Alzheimer's disease
   7. Cancer
   8. Parkinson's disease
   9. Kidney failure
   10. Benign brain tumour
   11. Major organ transplant
   12. Heart valve replacement
   13. Multiple sclerosis
   14. Primary pulmonary arterial hypertension
   15. Paralysis
   16. Aorta graft surgery

1. The plan also provides policyholders with tax benefits under Section 80C of the Income Tax Act, 1961.
2. Policyholders up to the age of 45 years need not undergo any kind of medical test to avail the policy. This is dependent on the assumption that the applicant does not have any health adversities.
3. Policyholders who undergo diagnostic tests at the empanelled health centres are eligible to receive a 50% discount on the price of the tests. The amount spent on the tests is reimbursed when the policy is accepted and issued.
4. Policyholders can receive a maximum sum assured of Rs.10 lakh on the diagnosis of a critical illness.
5. The policyholder has a lifetime renewal benefit.
6. Policyholders have the benefit of using the 15-day free-look period before the policy is issued.

Eligibility

1. In order to be eligible to apply for the policy, applicants should be between the ages of 5 to 65 years.
2. The sum insured chosen and the age of the policyholder at the time of purchasing the policy would sometimes require a medical test at one of the diagnostic centres empanelled with the insurance company.

Exclusions

The following are a list of exclusions to the Critical Illness Platinum Plan offered by HDFC Ergo:

1. Ailments contracted as a result of a war or service in the armed forces.
2. Injuries suffered as a result of any criminal activity
3. Attempted suicide
4. Attempted suicide as a result of mental illness
5. Illnesses contracted as a result of abuse of alcohol and other illicit substances.
6. Sexually transmitted diseases such as HIV or AIDS. This include related illnesses that result from contracting HIV/AIDS such as brain lymphomas, tuberculosis and Kaposi's sarcoma.
7. Ailments resulting from treatments for pregnancy-related conditions

Read terms, conditions and exclusions mentioned in the policy document.

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