HDFC ERGO Critical illness - Platinum Plan

Get financial cover against 15 critical illnesses in one policy

HDFC ERGO Critical illness - Platinum Plan

All You Need To Know Features


Key Features:

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
  • A unique Critical Illness Insurance Plan that provides a Lump Sum Benefit amount on first diagnosis after a 30 Day Survival period for any one of the 15 Critical Illnesses covered under the plan.
Sr noCritical IllnessPlatinum
1Heart Attack (Myocardial Infarction)Yes
2Coronary Artery Bypass SurgeryYes
5Kidney FailureYes
6Major Organ TransplantationYes
7Multiple SclerosisYes
9Aorta Graft SurgeryYes
10Primary Pulmonary Arterial HypertensionYes
11Heart Valve ReplacementYes
12Benign Brain TumorYes
13Parkinson’s DiseaseYes
14Alzheimer’s DiseaseYes
15End Stage Liver DiseaseYes


The HDFC ERGO Critical Illness Platinum Plan covers any one of the following critical illnesses.

  • 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

The lump sum benefit of the HDFC ERGO Critical Illness Platinum Plan will be provided to you on the very first diagnosis of your critical illness after a 30 day survival period.

Click here to read the Policy Wording in detail.


The following are the exclusions on the policy that you should note.
Any pre existing disease to the first policy with the company

  • 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, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing
  • Drugs and alcohol related complications
  • 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), congenital internal and external diseases, defects or anomalies

For complete list please refer the policy wording.

Claims procedure

Initiate a claim or to know about the process visit HDFC ERGO Critical illness Insurance to initiate/Track a claim.


Connect on HDFC ERGO’s Whatsapp no 8169500500


Call on HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim.

*Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings.

*This content is descriptive only. Actual coverage is subject to language policy issued.

Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.

Certified Corporate Agent's License No. CA0010

    Already have a Critical Illness Platinum Plan?

    Get started with Critical Illness-Platinum Plan

    Got your Welcome Kit? Inside it you will find:

    • A policy document
    • Policy Wordings: to help you understand what is covered under the policy

    Did you know?

    • You can get a lump sum payment on the very first diagnosis of an illness so you can get the best treatment available.
    • You can get financial security to meet immediate health contingencies.
    • You should take into consideration the high and rising cost of medical treatment.

    You can also benefit from:

    • A Health Suraksha Policy that provides you optimal coverage for treatment, including all pre and post hospitalization costs, medical check-ups, cumulative bonus, minimum out-of-pocket expenses etc
    • A Personal Accident Policy that offers you a comprehensive accident insurance in India as well as any other location worldwide
    • A Travel Insurance Policy that enables you to explore and enjoy new destinations with heartiness and without any worries


    What is a Critical Illness Insurance?
    Critical Illness Insurance is a policy that pays out a lump sum amount upto the sum insured upon diagnosis of a critical illness covered under the policy.

    Why should I purchase Critical Illness Insurance?
    Critical Illness Insurance provides you and your family, the additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which could be used for: costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.

    What is a Benefit Policy?
    Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.

      What are the available plans under this critical illness policy?
      You can choose from sum insured ranging from Rs. 5 lacs Rs. 7.5 lacs and Rs. 10 Lacs.

      Is there any eligibility criteria for purchasing critical illness insurance?
      Critical Illness policy covers individuals in the age group of 5 years to 65 years.

      Do I need to undergo medical tests to enroll myself for critical illness cover?
      No pre-policy medical check up is required for individuals upto 45 years.

      What kind of documentation is required?
      The best part of this policy is that you do not require to submit any documentation. Simply fill the details online and make payment via multiple secured payment modes. In case of a pre-existing disease, you might have to submit relevant medical documents.

      Is there any tax exemption under the critical illness policy?
      You can avail upto ^^Rs.50,000 as tax benefit under 'Section 80 D'.

      What do you mean by pre-existing Diseases?
      Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within 48 months prior to your first policy with the company is termed as pre-existing diseases.

      What is meant by disease?
      Disease means a pathological condition of a part, organ, or system resulting from various causes, such as infection, pathological process, or environmental stress, and characterized by an identifiable group of signs or symptoms.

      Can I make multiple claims for same or any other listed Critical illnesses?
      No, you can make only one claim during the lifetime of the critical illness insurance.

      Whom to contact in case of claim?
      In case of a claim under the Policy, you should immediately intimate us on our helpline numbers. On receipt of the intimation, we would register the claim and assign a unique claim reference number which would be communicated to the Insured which may be used for all future correspondence.

      What does Critical Illness mean in Insurance?
      Critical Illness Insurance Plans refers to the coverage against Specified major medical illnesses or diseases. The management of these critical illnesses requires long term care. Apart from the hospitalization costs, there will be other expenses like doctor visit fees, other medical expenses, rehabilitation and much more. Under Critical Illness plan a lump sum amount i.e. the Sum Insured is paid, which can be used to cover these expenses. This lump sum amount is in addition to any of your indemnity health insurance policy.

      What does a Critical Illness Plan cover?
      The Policy pays the sum insured as lump-sum on first diagnosis of any of the Listed Critical Illnesses stated in the policy after a waiting period and provided that the insured person survives a period as specified in the policy from the date of the first diagnosis of the Critical illness.

      The following 8 Critical Illnesses are covered under Silver plan of our Critical illness policy:-

      1. Myocardial Infarction (First Heart Attack of specified severity)
      2. Open Chest CABG
      3. Stroke resulting in permanent symptoms
      4. Cancer of specified severity
      5. Kidney Failure requiring regular dialysis
      6. Major Organ Transplantation
      7. Multiple Sclerosis with Persisting Symptoms
      8. Permanent Paralysis of Limbs

        Platinum Plan covers a total of 15 critical illnesses. In addition to above mentioned illnesses, this plan covers:-

      9. Surgery of Aorta
      10. Primary (idiopathic) Pulmonary Hypertension
      11. Open Heart Replacement or Repair of Heart Valves
      12. Benign Brain Tumor
      13. Parkinson’s disease
      14. Alzheimer’s Disease
      15. End Stage Liver Failure

      What is the waiting period under this policy?
      HDFC ERGO Critical Illness insurance policy has a waiting period of 90 days.

      Is it worth getting Critical Illness insurance?
      Critical Illness Insurance provides you and your family an additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which can be used for: costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.

      What is the sum insured of Critical Illness insurance cover?
      You can choose from sum insured ranging from Rs. 5 lacs, Rs. 7.5 lacs and Rs. 10 lacs.

      Can I get Critical Illness cover after being diagnosed with cancer?
      Critical Illness cover can be offered only to Individual with No past medical history of critical illness. For more information, read the policy document

      Can I take multiple claims under Critical Illness Cover for the same disease?
      No, you can make only one claim during the lifetime of the critical illness insurance.


      `The premium (excluding tax) mentioned is for platinum plan tier 2 1 adult age 36-45 years. #1.5 Crore+ Active Customers upto July-2022. **With my:health Suraksha you can choose from monthly, quarterly, half-yearly, and annual premium payment option. *Based on the data from 1st of October 2019 to 31st of May 2020, the average time taken for approval of our cashless health claims is less than 20 minutes. Subject to satisfactory submission of all relevant documents and information(s) to the Company. TAT for approval of pre-authorization requests is 60 minutes. Cashless hospitalization available only in HDFC ERGO network hospitals. Visit for your nearest network hospital. °Average time for reimbursement settlement claim is 6 hours. TAT for approval of reimbursement claim is 7 days. ^Subject to change as per Tax Laws in India.^* Upto Single Standard Critical Illness Insurance: HDFHLIP10002V010910