How does the waiting period affect my coverage?

The policy has a 90-day waiting period and 48 months for pre-existing conditions.

What happens if I don’t use my health insurance benefits for the entire year?

This policy does not offer a no-claim bonus, as it provides a lump sum payout.

Will my health insurance cover treatment abroad?

The policy does not cover treatments abroad; expenses incurred overseas are not reimbursed.

OneAssure

Health Insurance

HDFC ERGO

Critical Illness Silver Plan

HDFC ERGO Critical Illness Silver Plan

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 15000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

15000

Network Hospitals

8.9

Customer Rating

Get a Quote

95

Claim Settlement Ratio

15000

Network Hospitals

8.9

Customer Rating

Our Verdict

Expert Review: HDFC ERGO Health Insurance

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Final Verdict

The HDFC ERGO Critical Illness Silver Plan offers financial security with lump sum payouts for 8 major illnesses. Ideal for individuals seeking focused critical illness coverage. Limited coverage scope.

About

About HDFC ERGO Health Insurance

The HDFC ERGO Critical Illness Silver Plan offers lump sum payouts on the first diagnosis of 8 major critical illnesses, including heart attack, stroke, cancer, kidney failure, and organ transplantation. It provides sum insured options from ₹1 lakh to ₹50 lakh, with 15-day or 30-day survival period options. The policy includes tax benefits under Section 80D and a 90-day waiting period, ensuring financial support for serious medical conditions.

Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured

Advanced Treatments

Robotic surgeries
Stem cell therapy
Deep brain stimulation

Waiting Period

Initial Waiting Period: 30 days (except for accidental treatments).
Pre-existing Diseases: Covered after 48 months.
Specific Illnesses & Surgical Procedures: 24-month waiting period.
Mental Disorder Treatment: Covered after 24 months.
HIV/AIDS Cover: Covered after 48 months

Cashless Healthcare Providers

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Daycare Treatment

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery, chemotherapy, and minor surgical procedures.

AYUSH Treatment

Covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH).

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured

Advanced Treatments

Robotic surgeries
Stem cell therapy
Deep brain stimulation

Waiting Period

Initial Waiting Period: 30 days (except for accidental treatments).
Pre-existing Diseases: Covered after 48 months.
Specific Illnesses & Surgical Procedures: 24-month waiting period.
Mental Disorder Treatment: Covered after 24 months.
HIV/AIDS Cover: Covered after 48 months

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Exclusions

90-day waiting period for all claims unless the insured had continuous coverage without a break.
48-month waiting period for pre-existing conditions declared and accepted at the time of application.
War-related injuries, including participation in military operations or war zones.
Self-inflicted injuries, suicide, or attempted suicide.
Participation in adventure sports, such as skydiving, mountaineering, or deep-sea diving.
Involvement in criminal activities or breaches of law.
Pregnancy-related treatments, including miscarriage, maternity, and congenital birth defects.
Lymphomas in the brain, Kaposi’s sarcoma, tuberculosis, and other specific medical conditions.

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About the company

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support. HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise, it combines local understanding with international standards. The company focuses on customer satisfaction and aims to provide affordable protection for families, individuals, and businesses across...

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing,...