Back   Home Critical Illness Platinum Insurance Policy in India

HDFC Ergo’s Critical Illness Platinum policy is your perfect savior. This plan covers 15 Critical Illnesses and provides a Lump Sum Benefit amount on first diagnosis after a 30 day survival period.



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

  • Aorta Graft Surgery

  • Primary Pulmonary Arterial Hypertension

  • Heart Valve Replacement

  • Parkinson's Disease

  • Alzheimer's Disease

  • End Stage Liver Disease

  • Benign Brain Tumor

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)