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 & ICU)
Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured
Advanced Treatments
Robotic surgeries
Stem cell therapy
Deep brain stimulation
Waiting Periods
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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Day Care Treatments
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
Lump Sum Payout - The policy pays a lump sum amount upon the first diagnosis of any of the covered 8 critical illnesses, helping manage medical expenses.
Flexible Sum Insured - Policyholders can choose a sum insured from ₹1 lakh to ₹50 lakh based on their healthcare needs.
Survival Period Options - Offers flexibility to select a 15-day or 30-day survival period, allowing for customized coverage.
Tax Benefits - Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act.
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About the Company
HDFC ERGO, a subsidiary of HDFC Bank, offers a comprehensive range of general insurance products, including motor, health, travel, home, and personal accident insurance for individuals, as well as property, marine, and liability coverage for businesses. HDFC ERGO Health Insurance is committed to providing financial protection during medical emergencies, offering a wide range of health insurance plans. With a focus on seamless claims settlement, the company settles a claim every minute*, ensuring prompt and reliable service. Trusted by over 1.6 crore customers, HDFC ERGO’s plans include benefits like cashless hospitalization, outpatient department (OPD) coverage, daily cash allowances, and diagnostic cost coverage. The my:Optima Secure plan offers enhanced coverage at no extra cost.
About the Company
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