Fight Back with HDFC ERGO Critical Illness Silver Plan
Life is unpredictable, and a sudden critical illness can bring both health challenges and financial stress. The HDFC ERGO Critical Illness Silver Plan provides a lump sum payout on first diagnosis of covered illnesses, helping you focus on recovery rather than worrying about expenses.
Why You Need Critical Illness Insurance
Hospitalization insurance may not cover long-term treatment costs or loss of income. Critical illness insurance provides financial support for treatment, rehabilitation, or lifestyle adjustments, giving peace of mind during difficult times.
Key Benefits
- Financial Security: Lump sum payout on first diagnosis to cover medical and personal expenses.
- Tax Benefits: Eligible for deductions under Section 80D (subject to changes in law).
- Flexible Sum Insured: Choose coverage from ₹100,000 to ₹50,00,000.
- Wide Age Entry: Available for individuals aged 5 to 65 years.
- Survival Period: Choose between 15 or 30 days after diagnosis.
- Pre-policy Check Benefits: 50% reimbursement if conducted at empanelled diagnostic centers.
Covered Critical Illnesses
- 🩺 Myocardial Infarction (Heart Attack): First heart attack of specified severity.
- 🩺 Open Chest CABG: Coronary artery bypass surgery through open chest.
- 🩺 Stroke: Permanent neurological impairment or disability.
- 🩺 Cancer: Life-threatening malignancies of specified severity.
- 🩺 Kidney Failure: Requires regular dialysis.
- 🩺 Major Organ Transplant: Heart, liver, or lung transplantation.
- 🩺 Multiple Sclerosis: Persistent symptoms affecting daily life.
- 🩺 Permanent Paralysis: Loss of limb function due to illness or injury.
Waiting Periods
90-day standard waiting period applies unless continuously covered. Pre-existing conditions have a waiting period of 36 months.
Exclusions
- ⚠️ War, civil unrest, or military operations.
- ⚠️ Self-inflicted injuries or suicide attempts.
- ⚠️ Adventure sports or hazardous activities.
- ⚠️ Brain lymphomas, Kaposi’s sarcoma, tuberculosis.
- ⚠️ Substance abuse unless prescribed by a doctor.
- ⚠️ Pregnancy-related treatments or congenital anomalies.
Premium Details (Sum Insured ₹5L & ₹10L)
Premiums exclude GST. Annual premium shown is for 30 days survival period.
| Age Group | 1 Year Premium (5L) | 2 Year Premium (5L) | 1 Year Premium (10L) | 2 Year Premium (10L) |
|---|---|---|---|---|
| 05-17 | 💰225 | 💰445 | 💰675 | 💰1335 |
| 18-25 | 💰500 | 💰990 | 💰1500 | 💰2970 |
| 26-30 | 💰625 | 💰1238 | 💰1875 | 💰3713 |
| 31-35 | 💰750 | 💰1485 | 💰2250 | 💰4455 |
| 36-40 | 💰1250 | 💰2475 | 💰3750 | 💰7425 |
| 41-45 | 💰1875 | 💰3713 | 💰5625 | 💰11138 |
| 46-50 | 💰3063 | 💰6065 | 💰9188 | 💰18195 |
| 51-55 | 💰5250 | 💰10395 | 💰15750 | 💰31185 |
| 56-60 | 💰8000 | 💰15840 | 💰24000 | 💰47520 |
| 61-65 | 💰13500 | 💰26730 | 💰40500 | 💰80190 |
| 66-70 | 💰23000 | 💰45540 | 💰69000 | 💰136620 |
| >70 | 💰50750 | 💰100485 | 💰152250 | 💰301455 |
- Call +91 22 6234 6234 / +91 120 6234 6234
- Email: healthclaims@hdfcergo.com
- Address: HDFC ERGO General Insurance Co. Ltd., Stellar IT Park Tower-A, 5th Floor, C-25, Sector-62, Noida - 201301
- Submit required documents; claims are processed after verification.
FAQs
The survival period is the number of days you must survive after the diagnosis of a critical illness to claim the benefit (15 or 30 days).
Yes, you can select any sum insured from ₹1 lakh to ₹50 lakhs based on your financial requirements.
Pre-existing conditions are covered after a waiting period of 36 months from policy start date.
Choosing the right sum insured and survival period ensures your plan matches your financial needs. Protect yourself and your loved ones today.
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