HDFC ERGO Critical Illness - Silver Plan

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 benefits under this policy?
The company will pay the sum insured as lump-sum on first diagnosis of any of the Critical Illnessess stated in the policy, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following Critical Illnesses are covered under our plan:-

1. Heart Attack (Myocardial Infarction)
2. Coronary Artery Bypass Surgery
3. Stroke
4. Cancer
5. Kidney Failure
6. Major Organ Transplantation
7. Multiple Sclerosis
8. Paralysis

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:-

9. Myocardial Infarction (First Heart Attack of specified severity)

10. Open Chest CABG

11. Stroke resulting in permanent symptoms

12. Cancer of specified severity

13. Kidney Failure requiring regular dialysis

14. Major Organ Transplantation

15. Multiple Sclerosis with Persisting Symptoms

16. Permanent Paralysis of Limbs

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

17. Surgery of Aorta

18. Primary (idiopathic) Pulmonary Hypertension

19. Open Heart Replacement or Repair of Heart Valves

20. Benign Brain Tumor

21. Parkinson’s disease

22. Alzheimer’s Disease

23. 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.
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Disclaimer:

`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 www.hdfcergo.com 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