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HDFC ERGO Critical Illness Plans

Major surgeries or serious illnesses that may call for rapid and extensive treatment are considered critical illnesses. Due to the need for long-term care, medical costs associated with treating any serious illness can be high. In these kinds of situations, health insurance that offers critical illness coverage might be helpful to the policyholder.

HDFC Ergo offers Critical Illness both as a standalone plan and an add-on. The standalone plan offered by the company is HDFC Ergo Critical Illness Policy. Top critical illness health insurance plans in India include HDFC Ergo Critical Illness Policy, which offers a sum insured ranging from over Rs. 1 lakh to Rs. 50 lakh with no pre-medical check-ups required for customers up to 45 years old. With a waiting period of ninety days, they offer coverage for fifteen major ailments.[1]

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Benefits of HDFC Ergo Critical Illness Policy

The HDFC Ergo Critical Illness Policy offers the following special advantages:[1]

  • Up to 15 Critical Illnesses Covered: HDFC Ergo health insurance plans provides coverage for up to 15 critical illnesses under its critical illness policy and add-on too. This benefit offers customers financial protection against all medical costs during the time of emergency
  • Lump Sum Payment in a Single Transaction: To ease customers’ concerns and save time when confirming money clearances with the health insurance company, HDFC Ergo makes the entire insured amount payment in a single transaction.
  • Comprehensive Plans: HDFC Ergo has different variants in their plan which gives an option to their customers to choose a variant according to their medical requirements.
  • Options to Buy for 1-2 Years: HDFC Ergo Critical Illness Plan has a tenure of 1- 2 years with access to an easy renewal process provided by HDFC Ergo Health Insurance.
  • Life Renewability: Customers can renew the HDFC Ergo Critical Illness Plan lifelong, with no exit age restrictions. If customers renew their critical illness plan, they will continued medical coverage.
  • Free Look Period: HDFC Ergo Health Insurance offers a free 15-day look time beginning on the day the critical illness insurance policy (document) is received.
  • No Medical Check-Ups: Pre-medical screening before purchasing a health insurance plan is not mandatory under the HDFC Ergo Critical Illness Plan till the age of 45 years.
  • Tax Savings Under Section 80D: Under Section 80D of the Income Tax Act of 1961, customers of HDFC Ergo Critical Illness are eligible for tax benefits. Up to Rs. 50,000 in tax benefits are available through HDFC Ergo Health Insurance.

HDFC Ergo Critical Illness Coverage and Limits

Customers of the HDFC Ergo Critical Illness Policy can choose from a broad range of over 15 ailments. This critical sickness plan covers major illnesses.

The coverage and limits provided by the HDFC Ergo Critical Illness Policy are displayed in the table below:[2]



Financial Security

Adventure Sports Injuries

Quality Medical Treatment


Free Look Period

Self Inflicted Injuries

No Medical Check-Ups

Participation in Defense Operations

Tax Benefits

Sexually Transmitted Disease

Lifelong Renewability

Obesity or Cosmetic Surgery Treatment

Critical illness types covered include:[2]

  1. Heart Attack (Myocardial Infarction)
  2. Coronary Artery Bypass Surgery
  3. Stroke
  4. Cancer
  5. Kidney Failure
  6. Major Organ Transplantation
  7. Multiple Sclerosis
  8. Paralysis
  9. Aorta Graft Surgery
  10. Primary Pulmonary Arterial Hypertension
  11. Heart Valve Replacement
  12. Benign Brain Tumour
  13. Alzheimer’s Disease
  14. Parkinson’s Disease
  15. End Stage Liver Disease

Eligibility Criteria for HDFC Ergo Critical Illness Plan

If an adult is between the ages of five and sixty-five, they can purchase the plan. Nonetheless, there is no exit age and lifetime coverage offered by the HDFC Ergo Critical Illness Plan. For further information, you can speak with an advisor, though.[2]

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

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Who do you want to insured ?

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

How to Add Critical Illness Cover as an Add-On on the HDFC Ergo Health Insurance

Online Process:

From InsuranceDekho:-[3]

Step 1: Go to the official InsuranceDekho website.

Step 2: Enter your information.

Step 3: Choose the HDFC Ergo Critical Illness Plan.

Step 4: Complete the payment to complete the purchase.

Step 5: To confirm the issue of your policy, an advisor from InsuranecDekho will give you a call.

From HDFC Ergo Health Insurance:[1]

Step 1: Visit HDFC Ergo Health Insurance’s Official website.

Step 2: Fill out the details on the main page.

Step 3: Choose the Plan type.

Step 4: Click on Buy Now to customize your plan.

Step 5: Make payment to finalize the purchase.

Offline Process

From InsuranceDekho:[3]

Contact an expert at InsuranceDekho at 7551196989 to acquire a health insurance policy. Additionally, InsuranceDekho provides clients with in-house support so they can have all of their questions and concerns answered.

Documents Required

  • Voter ID Card
  • Pan Card
  • Aadhaar Card
  • Driving Licence
  • Passport
  • Birth certificate
  • 10th or 12th mark sheet

HDFC Ergo Critical Illness Customer Care & Assistance

Customer Care Details for HDFC Ergo Critical Illness Plans are mentioned below:


  • Helpline Number:- 7551196989

HDFC Ergo Health Insurance:-[4]

  • Email:
  • Contact No.: 02262426242
  • Whatsapp No.: 8169500500

Grievance Redressal

The details of InsuranceDekho and HDFC Ergo Health Insurance's grievance redressal are as follows:

InsuranceDekho: [5]

  • Contact Number: 7551196989
  • Email:

HDFC Ergo Health Insurance: [6]

  • Contact Number: 18002677444
  • Email:








Health Insurance News


  • Does HDFC ERGO offer critical illness plan?

    Yes. HDFC Ergo provides critical illness cover under its Critical Illness insurance plan. 

  • What is the eligibility criteria for buying critical illness plan by HDFC Ergo?

    Any individual in the age group of 5 years to 65 years can apply for HDFC Ergo's critical illness plan.

  • Which critical illnesses are covered by HDFC Ergo under its critical illness plan?

    HDFC Ergo, through its critical illness plan provides coverage for up to 15 critical illnesses. Stroke, coronary artery bypass surgery, paralysis, cancer, heart attack (myocardial infarction), major organ transplantation, multiple sclerosis, and kidney failure are a few critical illnesses covered by HDFC Ergo.

  • What are the benefits that HDFC Ergo offers under its critical illness plan?

    To cater to the medical needs of critical illness insured individuals, HDFC Ergo provides lump sum payment in a single transaction on first diagnosis of any of the critical illnesses. Apart from lifelong renewability, the HDFC Ergo offers tax benefits as well as coverage for up to 15 critical illnesses.

  • Which diseases are covered HDFC Ergo General Insurance plans?

    Under the HDFC Ergo General insurance Plans, different type of diseases are covered depending upon the type of plan chosen by the policyholder. For example, HDFC Ergo Critical Illness Insurance Plan covers 15 critical illnesses such as heart attack, stroke, cancer, paralysis etc.

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    Needed health insurance pronto. InsuranceDekho's comparison tool saved me loads of time. Found a plan that fit my needs and budget perfectly. HDFC Ergo helped during the most crucial times.

    By Satakshi Soni
    On: May 29, 2024
  • Customer care assistance while...

    In all honesty, my choice of HDFC Optima Secure Health Insurance proved to be a lifesaver. It provided me with immediate assistance by paying for my unforeseen hospital bills. The procedure went smoothly, and InsuranceDekho's assistance was first-rate. I urge everyone to purchase it!

    By Kanishka Gupta
    On: May 21, 2024
  • Perfect Policy

    HDFC ERGO Health Insurance Plan is the most suitable health insurance policy. I learned about this health insurance plan during my online search at InsuranceDekho’s website. It comes at an affordable premium. I bought it without any delay. Recommend this health policy to everyone! Thank You

    By Simrat Kaur
    On: Apr 02, 2024
  • Affordable Policy

    My HDFC ERGO Health Insurance Plan is an affordable policy that covers me for major healthcare expenses. I bought the health policy after discussing my requirements with the experts at InsuranceDekho and I am thankful to the customer support team for suggesting me the best health insurance policy. Thank You!

    By Manoj Kumar
    On: Mar 21, 2024
  • Compared all the plans easily

    I visited the website of InsuranceDekho, where I compared so many health insurance plans and policies. The comparison is very easy as there is a feature on the website which compares the price itself. I was totally satisfied with it and purchased the HDFC ERGO Health Insurance Plan.

    By Ashutosh Yadav
    On: Mar 19, 2024

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