HDFC ERGO General Critical Illness Platinum Policy

Policy Benefits

• A lump sum amount is payable on the first diagnosis of any one of the 15 listed critical illnesses, which includes (Heart Attack (Myocardial Infraction), Coronary artery Bypass Surgery, Stroke, Cancer, Kidney failure, Major organ transplantation, Multiple Sclerosis, Paralysis, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Heart Valve Replacement, Benign Brain Tumor, Parkinson's Disease, Alzheimer’s Disease, End Stage Liver Disease).
• Family cover is available under this plan.
• Enhancement of Sum Insured is available at the time of policy renewal.

Value Added Benefits

• Option to choose cover for 1 year or 2 year policy term.
• No pre-policy medical check-up is mandatory up to 45 years of age, subject to no medical history.
• Cost of pre-acceptance medical check-up is reimbursed, provided such check-up is conducted in one of the empanelled diagnostic centers.
• Enjoy portability benefits.
• Avail lifelong renewability and enjoy coverage throughout your life.
• Premium amount paid qualifies for tax exemption u/s 80D of Income Tax Act 1961.

Sub Limits

• No co-pay/cost sharing is applicable under this plan.
• 50% cost of pre-acceptance medical check-up is reimbursed, on acceptance of the proposal and policy issuance.

Waiting Period Clause

• Initial Waiting Period: A waiting period of 90 days from the inception date of this policy.
• Survival Waiting Period: Policy benefits can be availed post the survival period of 30 days from the date of first diagnosis of any one of the covered critical illnesses.