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HDFC ERGO’s Critical Illness Plan gives a perfect insurance required to cover the high expenses that come along with critical illnesses.

Forget about the hassles and worries that used to come with claims processes and insurance coverage, HDFC ERGO’s critical illness insurance policies ensure that you get quick and efficient service without delays. 

Key Highlights

  • 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


  • Heart Attack (Myocardial Infarction)
  • Coronary Artery Bypass Surgery
  • Stroke
  • Cancer
  • Kidney Failure
  • Major Organ Transplantation
  • Multiple Sclerosis
  • Paralysis

Sum Insured

  • Sum Insured available are Rs. 500000, Rs. 750000 and Rs. 1000000


  • 90 days waiting period
  • War or any act of war, invasion, act of foreign enemy, war like operations
  • Criminal or unlawful act
  • Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing
  • Intoxicating drugs and alcohol
  • 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)