HDFC ERGO Critical Illness Plan

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Health Suraksha insurance benefits

  • Provides a lump sum benefit which can pay for

    • Costs for the care and treatment
    • Recuperation aids
    • Debts pay off
    • Any lost income due to a decreasing ability to earn
    • Fund for a change in lifestyle
    • A unique Critical Illness Insurance Plan that provides a Lump Sum Benefit amount on first diagnosis after a 30 Day Survival period for any one of the 8 Critical Illnesses covered under the plan.
    • This plan covers eight critical illness:
    • Heart Attack (Myocardial Infarction)
    • Coronary Artery Bypass Surgery
    • Stroke
    • Cancer
    • Kidney Failure
    • Major Organ Transplantation
    • Multiple Sclerosis
    • Paralysis
    • 90 days waiting period
    • War or any act of war, invasion, act of foreign enemy, war like operations
    • Criminal or unlawful act, or intentional self injury or attempted suicide while sane or insane
    • Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuda diving, parachuting, hang-gliding, rock or mountain climbing
    • Intoxicating drugs and alcohol
    • Venereal disease, "AIDS” (Acquired Immune deficiency Syndrome) and/or infection with HIV
    • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)