HDFC ERGO Critical Illness- Gold Policy: Features, Benefits, Review

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The Critical Illness Gold plan is advanced variant of critical illness benefit plan the Critical illness Silver plan offered by HDFC ERGO Health Insurance which offers lump sum benefit post diagnosis of 11 critical illness irrespective of the hospitalization expenses. Here is a brief review of this product.

Plan variants –

Silver, Gold and Platinum

Main highlights of the plan –

  1. The benefit is provided after diagnosis of any one of the 11 critical illnesses listed in the policy.

  2. Maximum entry age under this policy is 65 years.

  3. This policy offers benefit on individual basis only.

Scope of cover –

  1. Individuals with entry age between 5 years up to age 65 years can be covered under this health insurance plan.

  2. Pre-policy medical checkup is required for individuals with entry age above 45 years.

  3. Policy period- 1 year

Sum insured options –

In the range of INR 1,00,000 up to INR 50, 00,000.

Survival Period – 30 days


The Critical illness Gold policy by HDFC ERGO offers lump sum benefit in case insured is diagnosed with any one of 11 critical illnesses listed below.

Eligibility –


Coverage and benefits –

Most Important:

The list of ailment covered under Critical Illness Gold benefit plan are:

  1. Heart Attack (Myocardial Infraction)
  2. Coronary Artery Bypass surgery
  3. Stroke
  4. Cancer
  5. Kidney Failure
  6. Major Organ / Bone Marrow Transplant
  7. Multiple Sclerosis
  8. Paralysis
  9. Aorta Graft Surgery
  10. Primary Pulmonary Arterial Hypertension
  11. Heart Valve Replacement

Note: All the diseases mentioned above are covered only if certain conditions are met. For more details on conditions please refer the policy wording or contact Coverfox.

Exclusions –

Waiting Period –

  1. For any claims under this policy, a waiting period of 90 days post commencement of this policy is applicable. This waiting period would not be applicable in case of renewal of this policy without any break.

Note: For portability cases the terms and conditions under this section would differ. Please refer the policy wording or contact Coverfox for more details.

Permanent Exclusions –

  1. Death with critical illness within 30 days after diagnosis.

  2. Occupational diseases.

  3. Birth control procedures, AIDS and related diseases and illnesses.

  4. Treatment of mental illnesses.

  5. Pre-existing disease and related complications.

Note: For detail list of exclusions, please refer the policy wording.

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Health plans starting at Rs 6 / day

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Aniket Thakkar
Written by Aniket Thakkar
He lives off TV shows, movies, junk food, comics and sarcasm. When he is not working as a freelance imaginary friend to other beings like him, he works as VP of Marketing at Coverfox.

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