HDFC ERGO Health Insurance Critical Illness Plans

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In this time and age, critical illness coverage should be at the top of everyone’s insurance needs. Major diseases provide both emotional and financial difficulties. When the lone earning person of a family is identified with such a life-threatening sickness, the situation worsens. In such a circumstance, HDFC ERGO health insurance critical illness plans can help. At a reasonable premium price, HDFC ERGO provides critical illness coverage to customers.

HDFC ERGO health insurance has long been among the leading participants in the Indian general insurance business as a joint project between Germany's reputed ERGO and India's HDFC Limited. This group's health insurance policies are reasonably priced and provide comprehensive coverage to the clients. HDFC ERGO health insurance critical illness plans cover up to 15 major illnesses and their treatments.

This page will go over the HDFC ERGO health critical illness policy details.

HDFC ERGO Critical Illness Policy

HDFC ERGO health insurance critical illness plans have been carefully tailored to fit persons who have been afflicted with any major diseases. These plans aim to alleviate any financial burden that may occur as a result of costly medical procedures in the event of a life-threatening ailment. These HDFC ERGO health insurance critical illness plans provide coverage for a variety of critical illnesses and can be used as a financial safety net in case something happens to the insured. 

Benefits of HDFC ERGO Health Critical Illness Insurance Policy

Here are the benefits of the HDFC ERGO health insurance critical illness cover:

1. All-Stage Cancer Coverage

Many people, including those with cancer, experience health issues from time to time and don't know how to handle them. However, when a person has cancer, he/she has a greater chance of getting better if they have early therapy. Timely diagnosis and treatment can prevent over 75% of deaths due to cancer annually. HDFC ERGO iCan insurance plan covers all kinds and all stages of cancer. This HDFC ERGO health critical illness cover pays a lump sum if you get diagnosed with cancer.

2. Lump Sum Payment

HDFC ERGO is one of the leading insurance companies in India, and one of its most innovative products is its critical illness plans. These new products work in a simple manner. You'll need to buy an HDFC ERGO health critical illness insurance policy and when diagnosed with a critical illness, the company will pay you the sum insured in a single transaction on the diagnosis!

3. Comprehensive Coverage

The plan that best matches your needs depends on the nature of your illness and the type of treatment you require. Under HDFC ERGO health insurance critical illness plans, you get comprehensive coverage. Compare and contrast plans carefully  to locate the one that best meets your needs. Although the plan is fairly standard, you may have to choose a particular plan depending on your individual health needs.

4. 1 and 2-Year Tenure

HDFC ERGO critical illness plans provide a lump sum payout to cover the expenses of you and your family for 1 or 2 years following a sudden or unexpected situation, depending on the policy tenure you have chosen. Critical illnesses are uncommon, unpredictable occurrences, but HDFC ERGO helps take care of the unexpected by providing financial assistance if you and/or your family need it.

4. Tax Advantages

Section 80D of the Income Tax Act offers tax benefits to policyholders paying premiums for their HDFC ERGO critical illness policy. Individuals aged above 60 years receive a tax break of up to INR 50,000, while the same for policyholders under 60 is up to INR 25,000. Both scenarios include tax deductions up to INR 5,000 for preventive healthcare check-ups.

Key Features of HDFC ERGO Health Insurance Critical Illness Cover

It is not always easy to come across a comprehensive critical illness insurance plan offering the right coverage at an affordable price. Finding the best deal comes down to several factors, and one of them includes choosing your provider wisely.  HDFC ERGO is an insurance company offering comprehensive critical illness coverage for its customers.

  • Cashless cancer treatment at over 13,000 network medical facilities
  • Lump sum payout upon the diagnosis of critical illnesses
  • All-stage cancer coverage from iCan policy coverage
  • 15 critical illness coverage from its critical illness policy
  • Affordable premium rates
  • No medical screening required up to 45 years
  • 15-day free look period is provided
  • Lifetime renewability

HDFC ERGO Health Insurance Critical Illness Policy List

HDFC ERGO is one of the best options for you if you are looking for an affordable and comprehensive critical illness cover. Here are the three variants of the two plans available to you:


1. HDFC ERGO Critical Illness Policy


(A) HDFC ERGO Critical Illness – Silver

Sum InsuredINR 1–50 lakhs
Entry Age5 – 65 years
Survival Period15, 30 days


  • Myocardial infarction
  • Permanent symptoms from a stroke
  • Regular dialysis from kidney failure
  • Persisting symptoms from multiple sclerosis
  • Permanent limb paralysis
  • Major organ transplantation
  • Specified severity cancer
  • Open chest CABG

(B) HDFC ERGO Critical Illness – Platinum

Sum InsuredINR 1– 50 lakhs
Entry Age5–65 years
Survival Period15, 30 days


  • Myocardial infarction
  • Permanent symptoms from stroke
  • Regular dialysis from kidney failure
  • Persisting symptoms from multiple sclerosis
  • Permanent limb paralysis
  • Major organ transplantation
  • Specified severity cancer
  • Open chest CABG
  • Aorta surgery
  • Primary pulmonary hypertension (idiopathic)
  • Parkinson’s disease
  • Benign brain tumour
  • End-stage liver failure
  • Alzheimer’s disease
  • Heart valve repair or open-heart replacement

2. HDFC ERGO iCan Plan

Sum InsuredINR 5–50 lakhs
Entry Age5 – 65 years
Policy Term-


  • Conventional cancer treatment
  • Pre-hospitalisation expenses (30 days)
  • Post-hospitalisation expenses (60 days)
  • Emergency ambulance expenses
  • Post-treatment follow up care
  • Second opinion
  • CritiCare benefit
  • Family care benefit

Optional Coverage

  • Stem cell transplantation
  • Endocrine manipulation or hormonal therapy
  • Targeted and personalised therapy
  • Immunotherapy
  • Proton beam therapy

HDFC ERGO Health Insurance Critical Illness Plans FAQs

  • 1. What exactly is critical Illness health insurance coverage?

    Critical Illness health insurance is a plan that gives out a lump sum payment up to the total sum insured if a critical illness specified under it is diagnosed.

  • 2. What type of documentation is needed to buy the HDFC ERGO health critical illness cover?

    One of the finest aspects of the plan is that no paperwork is required. Simply enter your information online and pay using one of several safe payment methods. You may be required to produce necessary medical papers if you have a pre-existing condition.

  • 3. What is the maximum amount insured under Critical Illness health insurance?

    You can pick between sums insured ranging from INR 1-50 lacs.

  • 4. Can I return my HDFC ERGO critical illness plan if I'm dissatisfied?

    Yes. From the moment you obtain the insurance paperwork, HDFC ERGO provides a 15-day free-look duration. During this time, you have the choice to terminate your insurance if you alter your mind or are dissatisfied with any policy terms or conditions.

  • 5. Can I keep extending this coverage indefinitely?

    Yes, irrespective of your general health or filed claims, HDFC ERGO critical illness policies can be renewed indefinitely.

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