HDFC ERGO Critical Illness Silver Plan
HDFC ERGO
8.9/10
OneAssure Rating
8.9/10
OneAssure Rating
Highlighted Features
Room Rent & ICU Coverage
Provides full coverage up to the sum insured for hospital rooms and ICU stays, ensuring patients receive necessary care without financial limitations.
Advanced Medical Treatments
Covers robotic surgeries, stem cell therapy, deep brain stimulation, and more, offering cutting-edge medical advancements for critical and complex health conditions.
Brochure
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
- Initial Waiting Period: 30 days (except for accidental treatments).
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).
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.
Substance abuse-related illnesses, including alcohol, tobacco, and drug addictions.
Nuclear, biological, or chemical warfare-related injuries
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 India.
About the Company
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