Hdfc Ergo Critical Illness Platinum Plan
HDFC ERGO
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features
No Cap on Room Rent & ICU Stays
Enjoy single private room coverage for normal hospitalization with no limit on ICU stays, ensuring quality medical care.
Coverage for Advanced Treatments
Includes chemotherapy, radiation therapy, organ transplants, robotic surgeries, and stem cell therapy, providing comprehensive support for critical illnesses.
Brochure
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Our Verdict
HDFC Critical Illness Platinum offers a lump sum payout for major illnesses like cancer and heart disease. Ideal for individuals seeking financial security, though the survival period clause may delay payouts.
About the Plan
HDFC Critical Illness Platinum is a comprehensive health insurance plan designed to provide financial security against life-threatening illnesses. It covers a wide range of critical conditions, including cancer, heart disease, kidney failure, and major organ transplants. Upon diagnosis of a covered illness, a lump sum payout is provided, helping policyholders manage medical expenses, lifestyle changes, and loss of income. The plan offers flexible sum insured options, ensuring adequate protection. It also includes a survival period clause and tax benefits under Section 80D.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: plan is a lump sum benefit plan and does not have specific room rent or ICU limits.
Advanced Treatments
Provides coverage for advanced medical treatments required for critical illnesses, including chemotherapy, radiation therapy, organ transplants, robotic surgeries, and stem cell therapy.
Co-payment
Does not typically have a copayment clause, as it provides a lump sum payout upon diagnosis of a covered critical illness. This ensures that the insured receives the full sum insured without sharing costs.
Waiting Periods
A 90-day initial waiting period applies from the policy start date, meaning claims for critical illnesses diagnosed within this period are not covered. Additionally, there is a survival period of 30 days after diagnosis, requiring the insured to survive for at least 30 days post-diagnosis to receive the lump sum payout.
Cashless Healthcare Providers
16,000 cashless healthcare providers.
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Covered under this policy
Exclusions
Pre-existing diseases and conditions diagnosed before policy inception are not covered.
Illnesses or complications arising within the initial waiting period are excluded.
Self-inflicted injuries, suicide attempts, or harm due to substance abuse are not covered.
Injuries or illnesses caused by participation in hazardous activities or adventure sports are excluded.
Conditions resulting from war, terrorism, or nuclear exposure are not covered.
Congenital diseases, birth defects, or hereditary conditions are excluded.
Treatment for infertility, pregnancy, or childbirth-related complications is not covered.
Cosmetic or plastic surgery unless required due to an accident or medical necessity is excluded.
Experimental or unproven treatments not recognized by medical authorities are not covered.
Exclusions
Accidental Death Benefit Rider - Provides an additional payout if the insured passes away due to an accident, offering extra financial security for the family.
Accidental Total and Permanent Disability Rider - Ensures a lump sum payout if the insured suffers a total and permanent disability due to an accident, helping with financial stability.
Waiver of Premium Rider - Waives all future premiums if the policyholder is diagnosed with a critical illness or becomes permanently disabled, ensuring continued coverage.
Hospital Cash Benefit - Offers a fixed daily allowance for each day of hospitalization to cover incidental expenses beyond hospitalization costs.
Second Medical Opinion - Allows policyholders to seek a second medical opinion from an expert panel to confirm diagnosis and explore alternative treatment options.
Add-ons
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Why OneAssure?
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About the Company
HDFC ERGO, a subsidiary of HDFC Bank, offers a comprehensive range of general insurance products, including motor, health, travel, home, and personal accident insurance for individuals, as well as property, marine, and liability coverage for businesses. HDFC ERGO Health Insurance is committed to providing financial protection during medical emergencies, offering a wide range of health insurance plans. With a focus on seamless claims settlement, the company settles a claim every minute*, ensuring prompt and reliable service. Trusted by over 1.6 crore customers, HDFC ERGO’s plans include benefits like cashless hospitalization, outpatient department (OPD) coverage, daily cash allowances, and diagnostic cost coverage. The my:Optima Secure plan offers enhanced coverage at no extra cost.
About the Company
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