HDFC ERGO Critical Illness Insurance

15 Critical Illness Lump-Sum Protection • UIN: HDFHLIP21059V022021

Standalone health insurance that pays a 100% lump-sum cash benefit upon first diagnosis of 15 major critical illnesses including heart attack, cancer, and stroke.

Key Features & Benefits

• 100% lump sum payout upon first verified diagnosis of any of 15 listed critical illnesses
• Covers Cancer, Heart Attack (Myocardial Infarction), Stroke, Major Organ Transplant, Kidney Failure, Permanent Paralysis, and Multiple Sclerosis
• Money can be used freely for debt payoff, overseas second opinions, or household living costs
• No bills or hospital invoices required; diagnosis report triggers payout
• Tax savings under Section 80D up to ₹25,000 (or ₹50,000 for seniors)

Limitations & Waiting Periods

• Initial 90-day waiting period from policy commencement date.
• Survival period of 30 days following diagnosis is required before claim settlement.