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HDFC ERGO Critical Illness Platinum is a critical illness benefit policy designed to provide financial support after an eligible diagnosis of a specified serious illness. The policy can pay a lump sum up to the selected sum insured when the diagnosis or procedure satisfies the policy definition and claim conditions. The Platinum variant lists 15 critical illnesses, covering specified heart conditions, cancer, stroke, kidney failure, major organ transplant and additional conditions such as benign brain tumour, Parkinson’s disease, Alzheimer’s disease and end-stage liver disease. Published product information lists sum insured options of ₹5 lakh, ₹7.5 lakh and ₹10 lakh. Premium, eligibility and the final benefit payable must be confirmed against the current insurer quote and issued policy schedule.
15 specified critical illnesses with lump-sum benefit, subject to policy terms
Platinum has the broadest illness list among the Silver, Gold and Platinum variants described in the referenced policy wording. Its additional conditions may be relevant for people seeking a wider set of specified illness benefits, but the number of conditions alone does not determine whether a claim will be payable. Every diagnosis or procedure must satisfy its contractual medical definition, and waiting-period, survival-period and exclusion provisions apply. Published product information lists a 90-day waiting period and a 30-day survival condition; verify these in the policy wording applicable to the policy being purchased. Confirm the current premium, sum insured and eligibility directly with HDFC ERGO.
HDFC ERGO
Key Insights
Founded
2002
HDFC ERGO was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.2% CSR, calculated as a 3-year average
HDFC ERGO settles 98.2% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-2677-444
Headquarters: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai - 400 059, Maharashtra, India.
The policy pays the applicable sum insured on the first diagnosis of a covered critical illness, subject to policy terms.
The payout can help meet medical treatment and related expenses.
The payout can help with recuperation and rehabilitation-related costs.
The payout can help manage loss of income during illness and recovery.
The lump sum can help with household commitments and debts.
A 90-day initial waiting period applies, subject to policy terms and exceptions. A survival period also applies after diagnosis; verify the duration stated in the issued policy schedule.
Initial Waiting Period
Claims are subject to the policy waiting-period clause and applicable exceptions in the policy wording.
Survival Period
The insured must survive the applicable period after diagnosis as specified in the policy wording and policy schedule. Confirm the applicable duration for the issued policy.
Conditions or treatments that the policy clearly says it will not cover.
A 90-day initial waiting period applies, subject to the policy terms and applicable exceptions. A survival period after diagnosis also applies; the required duration is as specified in your policy schedule (15 or 30 days). Each illness must meet its specific policy definition.
Insurer
HDFC ERGO plans and claim process
The referenced HDFC ERGO policy wording lists 15 specified critical illnesses under Platinum. Each claim must meet the applicable policy definition.
Platinum adds Benign Brain Tumor, Parkinson’s Disease, Alzheimer’s Disease and End Stage Liver Disease to the 11 conditions listed under Gold.
Published product information lists ₹5 lakh, ₹7.5 lakh and ₹10 lakh options. Confirm currently available options with HDFC ERGO.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC ERGO website before purchasing.
Official Website
hdfcergo.com
Visit the official HDFC ERGO website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Published product information lists a 90-day waiting period. Confirm the applicable wording and commencement rules in the current policy documents.
Published product information lists a 30-day survival condition after first diagnosis. Refer to the applicable policy wording for details.
Premium depends on the insurer quote and relevant applicant and cover details. Confirm the current premium directly with HDFC ERGO.
An eligible claim may pay a lump sum up to the sum insured, subject to policy terms and claim requirements.
No. Critical illness benefit insurance and comprehensive hospitalisation insurance serve different purposes.
Check the covered illness definitions, sum insured, premium, waiting period, survival condition, exclusions and current policy wording.