HDFC ERGO General Critical Illness Silver Plan

Policy Benefits

• A lump sum amount is payable on the first diagnosis of any one of the 8 critical illnesses, including (Heart Attack (Myocardial Infarction), Multiple Sclerosis, Stroke, Cancer, Major Organ Transplantation, Kidney Failure, Coronary Artery Bypass Surgery, Paralysis).
• You can cover family under this critical illness policy.
• Sum Insured Enhancement can be availed in this policy at the time of renewal.

Value Added Benefits

• Option to choose from 1 year or 2 year policy term.
• No pre-policy medical check-up is required up to 45 years of age, having no medical adversity.
• Cost incurred towards pre-acceptance medical check-up is reimbursed, if check-up is conducted in one of the empanelled diagnostic centers.
• Portability benefits are available under this policy.
• Enjoy lifelong renewability, as this policy does not have any cover ceasing age.
• 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.

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 listed critical illnesses.