HDFC Ergo Critical Illness

Financial Compensation for Major Life-Threatening Diseases

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Plan Overview

The HDFC Ergo Critical Illness Insurance is designed to cover expensive medical treatments for serious diseases. With local support and three distinct plan variants, it provides the flexibility to choose a cover that fits your specific needs and budget.

Key Features

Tiered Plans

Choose from Silver, Gold, or Platinum plans covering up to 15 major critical illnesses.

Lump Sum Payout

Receive a fixed lump sum upon diagnosis to cover treatment costs or daily living expenses.

No Medical Exam

Simplified purchase process with no medical check-ups required for certain age groups.

Standalone Flexibility

Can be taken as a standalone primary policy or as an add-on to your base health plan.

Eligibility & Key Highlights

Eligibility Criteria
  • Entry Age: 5 - 65 years
  • Sum Insured: Options available up to ₹50 Lakhs
  • Renewability: Lifetime renewal available
Plan Highlights
  • Waiting Period: 90 days initial waiting period
  • Survival Period: 15 or 30 days post-diagnosis
  • Claim Type: Lump-sum payout upon diagnosis

Plan Variants & Benefits

Comprehensive coverage for 15 major life-threatening conditions:

  • Cancer of Specified Severity
  • First Heart Attack
  • Major Organ Transplant
  • Multiple Sclerosis
  • Stroke Resulting in Permanent Symptoms
  • Kidney Failure (Regular Dialysis)
  • End Stage Liver Disease
  • Alzheimer's & Parkinson's

  • Silver Plan (8 Illnesses): Covers Cancer, Heart Attack, Coronary Artery Bypass, Stroke, Kidney Failure, Major Organ Transplant, Multiple Sclerosis, and Paralysis.
  • Gold Plan (11 Illnesses): Includes all Silver plan conditions plus Heart Valve Replacement, Benign Brain Tumor, and Primary Pulmonary Arterial Hypertension.

Permanent Exclusions

  • HIV/AIDS, STDs or related conditions
  • Intentional self-inflicted injury or suicide
  • Abuse of intoxicants or drugs
  • Congenital external diseases or defects
  • War, civil war, or breach of law
  • Non-medical expenses during recovery

Downloads & Resources

Product Brochure
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Official Product Page
Detailed info on official website
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Expert Advice

Our team can guide you through the HDFC Ergo's claim process.

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