HDFC Critical Illness Platinum Platinum Insurance, India Critical Illness Platinum Insurance premium

HDFC ERGO Critical Illness Platinum benefits

Key Features
Critical Illnesses Covered
What is Covered / Payable?
Exclusions under this Plan

Features of HDFC ERGO Critical Illness Platinum Insurance

Room Rent :Payable at Actuals upto Sum Insured
Co-pay : NIL for all treatment, Optional Co pay available between 10%-15%
Restoration Benefit: Sum Insured Rebound upto 100% of Sum Insured per
Offers Lump Sum Benefit on first diagnosis any of 15 critical Illnesses
Three Options of Silver, Gold and Platinum Plans available
Option to choose survival period of 15 days/ 30 days
Tax Benefit under section 80D (Subject to change in Tax Laws)

Covered of HDFC ERGO Critical Illness Platinum Insurance

The Critical Illnesses covered are dependant on the option chosen by the insured.

Heart Attack (Myocardial Infarction)	Aorta Graft Surgery
Benign Brain Tumor	Heart Valve Replacement
Parkinson’s Disease	Alzheimer’s Disease
End Stage Liver Disease	Coronary Artery Bypass Surgery
Stroke	Cancer
Kidney Failure	Major Organ Transplantation
Multiple Sclerosis	Paralysis
Primary Pulmonary Arterial Hypertension

What is Covered / Payable?

The policy pays a lump sum, upto the Sum Insured on first diagnosis of any one of the following Critical Illnesses, after a 30 Day survival period from the date of the first diagnosis.

Exclusions of HDFC ERGO Critical Illness Platinum Insurance

A waiting period of 90 days (unless the Insured has been insured under this policy continuously and without any break in the previous policy year)
War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapon/materials, chemical & biological weapons, radiation of any kind
Committing or attempting to commit a criminal or unlawful act, or intentional self-injury or attempted suicide while being sane previous policy year)
Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section), congenital internal and external diseases, defects or anomalies.
Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing or insane
Venereal disease, sexually transmitted disease or illness; "AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human immunodeficiency virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS related complex), Lymphomas in brain, Kaposi's sarcoma, Tuberculosis.
Any exclusion mentioned in the Schedule or the breach of any specific condition mentioned in the Schedule.