{"uin":"HDFHLIP21464V022021","name":"Critical Illness Insurance","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":"Revision","kind":"product","status":"unknown","approved_on":"2020-09-25","withdrawn_on":null,"summary":"HDFC ERGO Critical Illness Insurance pays the Sum Insured as a lump sum on first diagnosis of a listed critical illness, after a 90-day initial waiting period and a survival period of 30 or 15 days. It has Silver, Gold and Platinum plans covering 8, 11 or 15 illnesses, and the policy ends after the first claim.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:53.481439+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["Silver","Gold","Platinum"],"display":"Silver, Gold, Platinum","note":"The plans differ in the number of critical illnesses covered: Silver items 1 to 8, Gold items 1 to 11, Platinum all 15.","quote":"Plan | Silver | Gold | Platinum ... 8. Permanent Paralysis of Limbs | ✓ | ✓ | ✓ ... 9. Aorta Graft Surgery | ✓ | ✓ ... 12. Benign Brain Tumor | ✓","sources":[{"clause":null,"heading":"Schedule of Benefits - Critical Illness","page":23,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-schedule-of-benefits-critical-illness"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"The policy is issued for 1 year or 2 years.","display":"1 year or 2 years","note":"From the prospectus; the policy wording does not print the term.","quote":"The policy will be issued for 1 year /2 years period","sources":[{"clause":null,"heading":"Policy Period","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127#c-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Within 14 days of the diagnosis of the first occurrence of the Critical Illness.","display":"Within 14 days of diagnosis","note":"Intimation may be by letter, email, fax or telephone.","quote":"We must be informed of any event or occurrence that may give rise to a claim under this Policy within 14 days of the diagnosis of the first occurrence of the Critical Illness.","sources":[{"clause":"2(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-2-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Claim form, duly completed and signed","All reports, including medical reports, case histories, investigation reports, treatment papers, prescription, discharge summaries","A precise diagnosis for which a claim is made","KYC documents"],"display":"Claim form, medical reports and case papers, precise diagnosis, KYC documents","note":"Documents within 60 days of first diagnosis or within 10 days of the insurer's request; the prospectus says within 45 days of completion of the survival period.","quote":"Such documentation will include but is not limited to the following in English/Hindi: ... i) Our claim form, duly completed and signed for on behalf of the Insured Person. ii) All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, prescription, discharge summaries. iii) A precise diagnosis for which a claim is made. iv) KYC documents ... within 60 days of first diagnosis of the Critical Illness or within 10 days of the earlier of our request ... You must submit a duly filled claim form along with specified documents within 45 days of completion of survival period for the Critical Illness against which the claim is made.","sources":[{"clause":"2(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-2-iv"},{"clause":"5(II)(h)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127#c-5-ii-h"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The insurer settles or rejects a claim within 15 days from the date of receipt of intimation.","display":"Within 15 days of claim intimation","note":"Interest at 2% above the Bank Rate from intimation to payment if payment is delayed.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of intimation. ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the Policyholder from the date of receipt of intimation to the date of payment of claim at a rate 2% above the Bank Rate.","sources":[{"clause":"Section D(I)(f)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-f"},{"clause":"Section D(I)(e)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-e"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Waiting period of 90 days for all claims unless insured continuously under this policy in the previous Policy Year","36 months waiting period for all Pre-existing Conditions","War, invasion, act of foreign enemy, civil war, rebellion, nuclear, chemical and biological weapons, radiation of any kind","Breach of the law with criminal intent, self-destruction, self-inflicted injury, attempted suicide or suicide","Participation or involvement in Adventure Sports","Involvement in naval, military or air force operation","Abuse of tobacco, intoxicants or hallucinogenic substances including narcotic drugs and alcohol unless prescribed by Medical Practitioner","Lymphomas in brain, Kaposi's sarcoma, tuberculosis","Any treatment arising from pregnancy, miscarriage, maternity or birth, congenital external defects or anomalies"],"display":"90-day initial waiting, 36-month pre-existing waiting, war, crime and self-harm, adventure sports, armed forces operations, substance abuse, brain lymphoma, Kaposi's sarcoma, tuberculosis, pregnancy and congenital external defects","note":"The 36-month pre-existing waiting period is printed in the prospectus and CIS, not in the policy wording. Each illness definition also carries its own exclusions.","quote":"i) A waiting period of 90 days will apply to all claims unless the Insured Person has been insured under this policy continuously and without any break in the previous Policy Year. ii) War or any act of war, invasion, act of foreign enemy, ... civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind. iii) Any Insured Person committing or attempting any breach of the law with criminal intent or arising out of or as a result of any act of self-destruction or self-inflicted injury, attempted suicide or suicide. iv) Insured Person’s participation or involvement in Adventure Sports. v) Involvement in naval, military or air force operation. vi) The abuse or the consequences of the abuse of tobacco, intoxicants or hallucinogenic substances including all forms of narcotic drugs and alcohol unless prescribed by Medical Practitioner Lymphomas in brain, Kaposi’s sarcoma, tuberculosis. vii) Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section), congenital external defects or anomalies ... 36 months waiting period for all Pre-existing Conditions declared and/or accepted at the time of application","sources":[{"clause":"Section C","heading":"Exclusions","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-c"},{"clause":"5(II)(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127#c-5-ii-a"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"First call 022 6158 2020 / 022 6234 6234 or www.hdfcergo.com; then write to the Complaints & Grievance Cell (grievance@hdfcergo.com, 18002677444); then the Chief Grievance Officer (cgo@hdfcergo.com).","display":"HDFC ERGO first point of contact, then the Complaints & Grievance Cell, then the Chief Grievance Officer","note":"Level 2 applies if no response within 15 days. Senior citizen helpline 022 6158 2026 (seniorcitizen@hdfcergo.com); the CIS gives 022 6242 6226. Level 3 is a complaint through the Council for Insurance Ombudsmen.","quote":"First Point of Contact | Call us at 022 6158 2020 / 022 6234 6234/www.hdfcergo.com ... Level 1 | For lack of a response or if the response provided does not meet your expectation, you can: 1. Write to The Complaints & Grievance Cell (C&G Cell) HDFC ERGO General Insurance Company Limited ... 2. You can also write an email to grievance@hdfcergo.com 3. Call on 18002677444 ... Level 2 | If you're not satisfied with the resolution or if no response was received within 15 days, you can: 1. Write to the Chief Grievance Officer ... You can also write an email to cgo@hdfcergo.com","sources":[{"clause":"Section D(I)(d)(xiv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-d-xiv"},{"clause":"2","heading":"You can also write an email to cgo@hdfcergo.com","page":15,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-2-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Sum insured from Rs. 1 lakh to Rs. 50 lakh, as opted and shown in the Policy Schedule.","display":"Rs. 1 lakh to Rs. 50 lakh","note":"Range from the prospectus, printed as Rs. 100,000 to Rs. 50, 00,000; the wording and CIS say the sum insured is as opted and shown in the Schedule. Sum insured can be changed only at renewal, subject to underwriting.","quote":"Sum Insured would Range from: Rs. 100,000 to Rs. 50, 00,000. ... Sum Insured shall be as opted and the same will be mentioned in your Policy Schedule","sources":[{"clause":null,"heading":"Salient Features & Benefits","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127#c-salient-features-benefits"},{"clause":"Row 4","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/128#c-row-4"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":90},"display":"90 days","note":"Does not apply on continuous renewal. On an increase in sum insured, the waiting period applies afresh to the increased amount (prospectus).","quote":"A waiting period of 90 days will apply to all claims unless the Insured Person has been insured under this policy continuously and without any break in the previous Policy Year. ... In case of enhancement in the basic sum insured the waiting period will apply afresh in relation to the amount by which the basic sum insured has been enhanced.","sources":[{"clause":"Section C","heading":"Exclusions","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-c"},{"clause":"5(II)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127#c-5-ii-i"}],"law":[]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"No waiting period for a list of named illnesses or procedures is printed; only the 90-day initial waiting period and the 36-month pre-existing waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No list of illnesses with a specific waiting period is printed.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, the 60 months run from the date of enhancement for the enhanced amount only.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"Section D(I)(d)(ix)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-d-ix"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The policy can be ported to another insurer by applying at least 30 days but not earlier than 60 days before renewal, with accrued continuity benefits in waiting periods as per IRDAI guidelines.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit carried","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to Portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed Insured Person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"Section D(I)(d)(x)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-d-x"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, no cover ceasing age","note":"The policy ends with no further renewals once the first critical illness is paid. 'No Cover ceasing age' is from the prospectus.","quote":"A health insurance policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by the insured ... No Cover ceasing age under this policy.","sources":[{"clause":"Section D(I)(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-d-2"},{"clause":null,"heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127#c-suitability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. No loading applies on renewals based on individual claims experience.","display":"No loading for claims","note":"Risk loading up to 100% per condition and 150% per person may apply at underwriting based on health status.","quote":"iii) No loading shall apply on renewals based on individual claims experience ... The maximum risk loading applicable for an individual shall not exceed above 100% per diagnosis / medical condition and an overall risk loading of over 150% per person. ... We will not apply any additional loading on Your policy premium at Renewal based on claim experience in Your Policy.","sources":[{"clause":"Section D(I)(d)(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-d-iii"},{"clause":"2(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-2-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["War, invasion, act of foreign enemy, civil war, rebellion, nuclear, chemical and biological weapons, radiation of any kind","Breach of the law with criminal intent, self-destruction, self-inflicted injury, attempted suicide or suicide","Participation or involvement in Adventure Sports","Involvement in naval, military or air force operation","Abuse of tobacco, intoxicants or hallucinogenic substances including narcotic drugs and alcohol unless prescribed by Medical Practitioner","Lymphomas in brain, Kaposi's sarcoma, tuberculosis","Any treatment arising from pregnancy, miscarriage, maternity or birth, congenital external defects or anomalies"],"display":"War, crime and self-harm, adventure sports, armed forces operations, substance abuse, brain lymphoma, Kaposi's sarcoma, tuberculosis, pregnancy and congenital external defects","note":"The wording does not use the IRDAI Excl codes. Each illness definition also lists conditions it excludes.","quote":"ii) War or any act of war, invasion, act of foreign enemy, ... civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind. iii) Any Insured Person committing or attempting any breach of the law with criminal intent or arising out of or as a result of any act of self-destruction or self-inflicted injury, attempted suicide or suicide. iv) Insured Person’s participation or involvement in Adventure Sports. v) Involvement in naval, military or air force operation. vi) The abuse or the consequences of the abuse of tobacco, intoxicants or hallucinogenic substances including all forms of narcotic drugs and alcohol unless prescribed by Medical Practitioner Lymphomas in brain, Kaposi’s sarcoma, tuberculosis. vii) Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section), congenital external defects or anomalies","sources":[{"clause":"Section C","heading":"Exclusions","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-c"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"You may cancel with 7 days' written notice and get a pro-rata premium refund for the unexpired Policy Period; no refund if any claim has been admitted or any benefit availed.","display":"Pro-rata refund for the unexpired period; none after a claim","note":"For instalment policies with an admissible claim, future instalments for the policy year are adjusted in the claim amount and no premium is refunded.","quote":"i. The Policyholder may cancel this policy by giving 7 days’ written notice and in such an event, the Company shall refund to the Insured a pro-rata premium for the unexpired Policy Period. ... v. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where any claim has been admitted or any benefit has been availed by the Insured Person under the Policy.","sources":[{"clause":"Section D(I)(d)(v)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-d-v"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents do not state where the cover applies. They say payments are made only in Indian Rupees within India and give claim intimation contacts for outside India.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New individual policies only, not renewals or porting. Refund less medical examination expenses and stamp duty, or less proportionate risk premium if risk has commenced. The CIS summary line says 'within 30 days from the beginning of the policy'; its process text and the wording say from receipt of the policy document.","quote":"The Insured Person shall be allowed free look period of 30 days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. ... You may cancel the insurance policy if you do not want it, within 30 days from the beginning of the policy.","sources":[{"clause":"Section D(I)(d)(vi)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-d-vi"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/128#c-1-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"15 days where premium is paid monthly.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"Def. 4","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-def-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"From 5 years to a maximum entry age of 65 years.","display":"5 years to 65 years","note":"From the prospectus.","quote":"This policy covers persons in the age group of 5 years onwards. The maximum entry age is 65 years.","sources":[{"clause":null,"heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127#c-suitability"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents refer to premium paid by instalment and to monthly mode in the grace period definition, but do not list the payment frequencies offered. The prospectus gives Annual and 2 Year premium tables.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":"No optional covers are listed. The survival period of 15 days instead of 30 days is an option chosen at purchase with its own premium table.","quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"Cover continues during the grace period only if the premium is paid in instalments; for non-instalment premium, there is no cover for the period for which no premium is received.","display":"Covered only for instalment premiums","note":null,"quote":"Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period (Note: In case of non-instalment premium payment, coverage shall not be available for the period for which no premium is received).","sources":[{"clause":"Def. 4","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-def-4"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"cross-checked","value":15,"display":"15 (Platinum); 11 Gold, 8 Silver","note":"Counted from the Schedule of Benefits: items 1 to 8 in all plans, 9 to 11 in Gold and Platinum, 12 to 15 in Platinum only.","quote":"1. Myocardial Infarction (First Heart Attack of specified severity) | ✓ | ✓ | ✓ ... 8. Permanent Paralysis of Limbs | ✓ | ✓ | ✓ 9. Aorta Graft Surgery | ✓ | ✓ ... 11. Open Heart Replacement or Repair of Heart Valves | ✓ | ✓ 12. Benign Brain Tumor | ✓ ... 15. End Stage Liver Disease | ✓","sources":[{"clause":null,"heading":"Schedule of Benefits - Critical Illness","page":23,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-schedule-of-benefits-critical-illness"}],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"cross-checked","value":["Myocardial Infarction (First Heart Attack of specified severity)","Coronary Artery Bypass Surgery","Stroke resulting in permanent symptoms","Cancer of specified severity","Kidney Failure requiring regular dialysis","Major Organ Transplantation","Multiple Sclerosis","Permanent Paralysis of Limbs","Aorta Graft Surgery","Primary (idiopathic) Pulmonary Arterial Hypertension","Open Heart Replacement or Repair of Heart Valves","Benign Brain Tumor","Parkinson’s Disease","Alzheimer’s Disease","End Stage Liver Disease"],"display":"Heart attack, CABG, stroke, cancer, kidney failure, major organ transplant, multiple sclerosis, paralysis, aorta graft surgery, pulmonary arterial hypertension, heart valve surgery, benign brain tumour, Parkinson's, Alzheimer's, end stage liver disease","note":"Silver covers items 1 to 8; Gold adds items 9 to 11; Platinum covers all 15.","quote":"Critical Illness covered 1. Myocardial Infarction (First Heart Attack of specified severity) | ✓ | ✓ | ✓ 2. Coronary Artery Bypass Surgery | ✓ | ✓ | ✓ 3. Stroke resulting in permanent symptoms | ✓ | ✓ | ✓ 4. Cancer of specified severity | ✓ | ✓ | ✓ 5. Kidney Failure requiring regular dialysis | ✓ | ✓ | ✓ 6. Major Organ Transplantation | ✓ | ✓ | ✓ 7. Multiple Sclerosis | ✓ | ✓ | ✓ 8. Permanent Paralysis of Limbs | ✓ | ✓ | ✓ ... 9. Aorta Graft Surgery | ✓ | ✓ 10. Primary (idiopathic) Pulmonary Arterial Hypertension | ✓ | ✓ 11. Open Heart Replacement or Repair of Heart Valves | ✓ | ✓ 12. Benign Brain Tumor | ✓ 13. Parkinson’s Disease | ✓ 14. Alzheimer’s Disease | ✓ 15. End Stage Liver Disease | ✓","sources":[{"clause":null,"heading":"Schedule of Benefits - Critical Illness","page":23,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-schedule-of-benefits-critical-illness"}],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"cross-checked","value":"Lump sum of the Sum Insured on diagnosis of a listed Critical Illness, if it is a first incidence during the Policy Period and the insured survives the survival period.","display":"Lump sum of the Sum Insured on diagnosis","note":null,"quote":"If the Insured Person is diagnosed as suffering from a Critical Illness during the Policy Period, then We will pay the Sum Insured as a lump sum, provided that: i) The Critical Illness, which the Insured Person is suffering from,occurs or manifests itself during the Policy Period as a first incidence, and ii) The Insured Person survives for at least 30/15 days as opted and mentioned on the Policy Schedule following such diagnosis.","sources":[{"clause":"Section B","heading":"Benefits","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-b"}],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days if opted)","note":"15 days if opted and shown on the Policy Schedule.","quote":"ii) The Insured Person survives for at least 30/15 days as opted and mentioned on the Policy Schedule following such diagnosis.","sources":[{"clause":"Section B","heading":"Benefits","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-b"}],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"cross-checked","value":"No. The policy terminates on the occurrence of the first critical illness and ceases with no subsequent renewals.","display":"No, policy ends after the first critical illness","note":null,"quote":"d) The policy shall terminate on the occurrence of the first critical illness and you shall receive the sum insured as per applicable guidelines and the policy shall cease with no subsequent renewals for the insured.","sources":[{"clause":"Section D(I)(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126#c-section-d-i-d"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"cross-checked","value":"Pre-existing Conditions declared and/or accepted at the time of application are covered after a 36 month waiting period.","display":"Covered after 36 months","note":"Printed in the prospectus and CIS; the policy wording does not state a pre-existing disease waiting period.","quote":"36 months waiting period for all Pre-existing Conditions declared and/or accepted at the time of application ... 2. 36 months waiting period for all Pre-existing Conditions","sources":[{"clause":"5(II)(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127#c-5-ii-a"},{"clause":"1","heading":"Critical Illness Cover (This policy will pay B.i","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/128#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"Critical Illness Insurance","pages":23,"fetched_at":"2026-10-16 07:11:36.913592+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/critical-illness-policy-wordings-361994503788.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/126"},{"kind":"prospectus","label":"Critical Illness Insurance","pages":13,"fetched_at":"2026-10-16 07:11:36.913592+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/health/critical-illness-insurance-259844555971.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/127"},{"kind":"cis","label":"Critical Illness Insurance","pages":6,"fetched_at":"2026-10-16 07:11:36.913592+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/cis/cis---critical-illness-insurance/Criticalillnessinsurance-200890534089.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021/document/128"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Critical Illness Insurance (UIN HDFHLIP21464V022021), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/critical-illness-insurance-hdfhlip21464v022021"}