HDFC ERGO - HDFC Ergo Critical Illness

Purchase mode: Online

Recommendation  about Mediclaim: No

Premium: The premium charges are comparatively cheaper

Product Features:



Entry age

5 - 45 Years

Policy tenure


Cashless Facility

To Network Hospitals

Sum Insured

Rs 2.50 lacs to Rs 10 lacs

Illness Cover

Heart attack, Coronary artery bypass surgery
Cancer, Stroke, Paralysis, Kidney failure, Major organ transplant, Multiple sclerosis

HDFC Ergo Critical Illness covers 8 critical illnesses and by paying a lump-sum amount on first diagnosis which can be used to pay costs for treatment, any debts, change lifestyle needs etc.

What does this policy Cover

  • After the insured has survived for 30 days from the date of first diagnosis, the policy will pay a lump sum amount
  • Critical illness covered under this policy are
    • Heart attack
    • Coronary artery bypass surgery
    • Cancer
    • Stroke
    • Paralysis
    • Kidney failure
    • Major organ transplant
    • Multiple sclerosis


  • First 90 days from commencement of policy
  • Persons in military or naval operations, war or any act of war, etc
  • Committing or attempting any criminal acts
  • Intentional self injury
  • Participation in dangerous sports like racing, scuba-diving etc
  • Use of drugs, alcohol or intoxicants, treatment of nicotine addiction or any substance abuse
  • AIDS, HIV and related conditions
  • Pregnancy related, miscarriage, or diseases existing at birth (congenital)

Special features of the policy

  • No medical check-up up to 45 yrs of age
  • You can buy it online
  • Instant online policy issuance for persons between 18 – 45 yrs of age

Illustration showing premium:

No. of Members (Individual)

Age Group

Premium Sum Insured (5 lacs)

1  Adult


Rs 2809

1 Adult


Rs 4214

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