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  • HDFC ERGO Critical Illness Platinum Policy

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    HDFC ERGO Critical Illness Policy is a fixed-benefit health insurance policy offered by the company. As the name implies, this is a critical illness cover that provides a lump-sum payment against the diagnosis of any of the named critical illness. This policy provides coverage against 15 major illnesses and ensures that policyholders are protected against medical expenses and recuperation costs if they ever get diagnosed with a life-threatening disease. This ensures peace of mind for policyholders by taking care of the financial instability arising out of critical illness treatment. This policy is available in two different variants – Silver and Platinum – depending upon the number of critical illnesses covered.

    Eligibility for HDFC ERGO Critical Illness Platinum

    People who wish to take HDFC ERGO Critical Illness Platinum must meet the following eligibility criteria:

    • Anyone between the age of 5 years and 65 years can take this policy.
    • Pre-insurance medical examination is required for people entering this cover after 45 years of age.
    • Once entered, this policy can be renewed till one’s lifetime.

    Critical Illnesses Covered

    As noted earlier, there are two different variants in the policy based on the number of critical illnesses covered. The list of critical illnesses covered under the silver plan of the policy are listed as follows: 

    • Cancer 
    • Stroke 
    • Multiple Sclerosis 
    • Kidney failure 
    • Major organ transplantation 
    • Heart attack 
    • Paralysis 
    • Coronary Artery Bypass Surgery 
    The list of illnesses covered under the platinum plan of this medical insurance policy can be given as follows:
    • Cancer 
    • Stroke 
    • Myocardial infarction (heart attack) 
    • Coronary artery bypass 
    • Kidney failure 
    • Paralysis 
    • Alzheimer’s disease 
    • Multiple sclerosis 
    • Major organ transplant 
    • Aorta graft surgery 
    • End stage liver disease 
    • Heart valve replacement 
    • Parkinson’s disease 
    • Benign brain tumour 
    • Primary pulmonary arterial hypertension 

    Features of HDFC ERGO Critical Illness Platinum

    Some of the notable features of HDFC ERGO Critical Illness Platinum can be listed as follows:

    • This policy is available in three different sum insured variants – Rs.5 lakh, Rs.7.5 lakh, and Rs.10 lakh. 
    • An initial waiting period of 90 days is applicable after purchasing this policy. However, this waiting period is not applicable for subsequent renewals. 
    • If the pre-insurance medical examination is taken in the company’s empanelled diagnostic centre, 50% of the cost will be reimbursed to the insured person. 
    • There is an initial waiting period of 90 days before any claims can be made under this policy cover. 
    • This policy comes with a survival period of 30 days. In other words, the insured must live for at least 30 days after the first diagnosis of the disease before any claim can be made. 
    • This policy comes with a free look period of 15 days. This means that policyholders have 15 days to review the policy terms and cancel it if they are not satisfied. 
    • The premium amount paid for this policy is eligible for tax relief as per Section 80D of the Income Tax Act. 

    Benefits of HDFC ERGO Critical Illness Platinum

    First diagnosis of any of the named critical illness One time lump sum payment up to the full sum insured amount

    Exclusions of HDFC ERGO Critical Illness Platinum

    The company has outlined certain exclusions for which it is not liable to provide any compensation to the insured. Some of these exclusions can be given in the following list:

    • Illnesses caused by acts of war, invasion, revolution, riots, etc.
    • Illnesses arising out of nuclear weapons, chemical weapons, biological weapons, etc.
    • Any kinds of self-inflicted injury or attempted suicide
    • Illnesses arising out of intoxication and hallucinogenic substances
    • AIDS, HIV, and sexually transmitted diseases
    • Treatments related to maternity, childbirth, pregnancy, miscarriage, etc.
    • Any kinds of congenital diseases, birth defects, or anomalies
    • Injuries caused while participation in extreme sports, racing, etc.

    Claim Procedure

    Upon the diagnosis of an illness that may give rise to a claim, the insurer must be notified immediately to initiate the claim proceedings. The insured must submit certain documents along with the claim form. Some of these documents include diagnostic reports, physician certificate, etc. Once the documents are submitted, the company will verify the submitted documents. Following the verification process, the lump sum compensation amount will be provided to the insured person at the end of the survival period.

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    HDFC ERGO Critical Illness Platinum Policy Reviews

    • Apollo Munich Health Insurance
      "Worst and Fraud insurance. never take it. rejects all claims"
      0.5 0.5/5 "Unacceptable"
      They reject all claims without proper reason. I personally experienced it. My claim of hospital bill was rejected giving any wrong reason. I urge all people, never take any policy of apollo munich. claim ID: 948912 case ID:5208987. Anyone can check my claim. Fraud apollo munich company, Playing with people money.
      Was this review helpful? 1
      , mumbai
      Reviewed on Mar 15, 2019
    • Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i been using the policy since from last few years. The premium i have paid is 11K for this policy, the medical coverage is for 2L 50K for this policy where the coverage is for self.
      Was this review helpful? 5
      , new delhi
      Reviewed on Jan 30, 2019
    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      I have been using the health insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 4-5 years where i had claim once with this policy. The medical coverage is for 4L for complete family. The premium is nominal with this insurance policy.
      Was this review helpful? 2
      , bilaspur
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the HDFC ERGO GENERAL INSURANCE health insurance is because i wanted to enhance the medical coverage of this policy. It is a top up plan where i the coverage is for 6L for family. It also includes the pre existing disease coverage.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Jan 29, 2019
    • Tata AIG Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the health insurance policy with the TATA AIG GENERAL INSURANCE since from last 10 years as i have no claim experience with this insurance policy. The premium is nominal also the medical coverage they have offered is 5L for self.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      Bankbazaarinsurance.com i am using it for the very first time as i am using it through the website as the portal is convenient to access also it is hassle free to apply for the insurance. The customer service is very good they explain the details of the policy.
      Was this review helpful? 1
      , indore
      Reviewed on Jan 29, 2019
    • National Insurance Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the NATIONAL INSURANCE is because the service is very good. The premium is nominal also the medical coverage what they have offered is 1L for self coverage. It has the disease coverage also the accidental coverage.
      Was this review helpful? 0
      , indore
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaarinsurance.com where i have been using it through the website as the portal is user friendly also it is convenient to access. The customer service is good by explaining the details of the policy.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the HDFC ERGO GENERAL INSURANCE is because i am an existing customer of life insurance with this HDFC. I had no claim experience with this policy but the medical coverage is for 5L for self.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • Bajaj Allianz Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using with the health insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE from last two years which is a corporate policy where i had no claim experience but the premium i am paying for yearly where half of the amount has been paid by the company. The medical coverage they are providing is for 2L for family.
      Was this review helpful? 0
      , kumarakom
      Reviewed on Jan 27, 2019
    • Apollo Munich Health Insurance
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The premium is nominal when compared to the other health insurances with the APOLLO MUNICH so i have taken this health insurance policy. The claim settlement is very good and the customer service is very helpful. I had no claim experience but the medical coverage is for 10L with this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 25, 2019
    • review Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com i am using it from last more than one year and i have been using it through the website as i have faced with no issues with this portal and it is hassle free to access. The customer service is very good by explaining the details of the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Universal Sompo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The benefits are good with the UNIVERSAL SOMPO GENERAL INSURANCE health insurance so i have taken this insurance. I had no claim experience with this insurance policy but the premium is nominal and the medical coverage is for 10L and the policy coverage is family.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      This is the first time experience with the Bankbazaarinsurance .com where i am using it through the mobile application as the application is user friendly and also it is hassle free to use. The customer service is comfortable and they are responsive and it is good.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      It is the better plan when compared to the others so i have taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE. Premium is nominal and also the medical coverage is satisfactory which gives the medical coverage is for family.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have taken the HDFC ERGO GENERAL INSURANCE health insurance policy with the where i have paid the premium 4187 and the medical coverage is satisfactory with this policy. I had no claim experience with this policy. I have not got the soft copy as well as the hard copy.
      Was this review helpful? 1
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com is the first time experience where i have been using it through the website as the portal is user friendly also it is comfortable to access. The customer support is with no proper response because they have not followed up.
      Was this review helpful? 0
      , hisar
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      The service is better than others so i have taken this HDFC ERGO GENERAL INSURANCE health insurance policy. I had no claim experience but the medical coverage is for 3L for self. I have not received the soft copy and the hard copy. There is no proper customer followup. The premium i have paid is 8,035.
      Was this review helpful? 2
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 3.0/5 "Satisfactory"
      It is the first time experience with the Bankbazaarinsurance.com where the portal is very good to use. I use it through the website as the portal is user friendly and hassle free to access. The customer service is very good and they are responsive.
      Was this review helpful? 1
      , nellore
      Reviewed on Jan 23, 2019
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