CRITICAL ILLNESS

About Us: HDFC ERGO

For India, HDFC has been synonymous with housing loans for almost 30 years. The market leader in home mortgages, HDFC is among India's premier financial institutions with a distribution network of 250 branches and 90 outreach programme centres across the country. Today, with assets worth more than Rs 80,000 crores, a customer base of 32 lakhs and AAA rating for 13 consecutive years, the Group has expanded into banking, insurance (Life and General), asset management and property venture funds. Ergo is the primary insurance entity of Munich Re Group, one of the world's largest risk carriers and the leader in health and legal protection insurance in Europe. Its investments total to over 100 billion. Little wonder, 3.3crore clients in 25 countries place their trust in the services, competence and security Ergo provides. With the coming together of these two financial giants, we aim at setting benchmarks in our path of innovating products and delivering customer service.

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The Need for Critical Illness

According to a recent survey by Money Digest, 1 in 3 persons will develop some life threatening Cancer 1 in 4 persons will develop heart disease before they retire 1 in 20 persons risk the chance of having stroke before the age of seventy

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Why Purchase Critical Illness Insurance?

Medical Treatment is expensive! Experts believe that medical bills are a factor in one out of five bankruptcies (MSNMoney.com) Shift to lifestyle-related diseases Lifestyle-related diseases are typically more expensive to treat viz. Cardiac Arrests, Hypertension, Stroke and the like. Provides a lump sum benefit which can pay for:
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Costs for the care and treatment; Recuperation aids; Debts pay off; Any lost income due to a decreasing ability to earn; Fund for a change in lifestyle. Income Tax Benefit Under Section 80D of the Income Tax Act

Key Coverage
Provides a Lump Sum Benefit on first diagnosis after a 30 Day Survival period for any one of the Critical Illnesses covered under the plan.

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1. 2. 3. 4. 5. 6. 7. 8.

Critical Illness covered Heart Attack (Myocardial Infarction) Coronary Artery Bypass Surgery Stroke Cancer Kidney Failure Major Organ Transplantation Multiple Sclerosis Paralysis

Silver

Premium Silver Plan

Age Bands 250,000 500,000 750,000 1,000,000

5-17 248 496 745 993

18-25 552 1,103 1,655 2,206

26-30 689 1,379 2,068 2,758

31-35 827 1,655 2,482 3,309

36-40 1,379 2,758 4,136 5,515

41-45 2,068 4,136 6,204 8,273

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Premium inclusive of Service Tax

Premiums inclusive of Service Tax & Edu. Cess

Description of Cover
Heart Attack (Myocardial Infarction): The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. Diagnosis must be confirmed by a specialist Medical Practitioner and evidenced by all of the following criteria:
new characteristic electrocardiogram changes elevation of infarction specific enzymes, Troponins or other biochemical markers

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Coronary Artery (Bypass) Surgery:The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which are narrowed or blocked, by coronary artery bypass graft (CABG). The surgery must have been proven to be necessary by means of coronary angiography and realisation of the surgery must be confirmed by a specialist Medical Practitioner.

Description of Cover
Stroke:Any cerebrovascular incident producing permanent neurological sequelae and including infarction of brain tissue or hemorrhage or embolisation from an extracranial source. Diagnosis must be confirmed by a specialist Medical Practitioner and evidenced by typical clinical symptoms as well as typical findings in CCT Scan or MRI of the brain. Evidence of neurological deficit for at least 90 days must be produced. Cancer: A disease manifested by the presence of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells, and the invasion of tissue. . Diagnosis must be confirmed by a specialist Medical Practitioner and evidenced by definite histology. Cancer also includes leukemia and malignant diseases of the lymphatic system such as Hodgkins Disease.

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Description of Cover
Kidney Failure (End Stage Renal Disease): End stage renal disease presented as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (haemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis must be confirmed by a specialist Medical Practitioner. Major Organ Transplantation: The actual undergoing of transplantation as the recipient of a heart, lung, liver, pancreas, small bowel, kidney or bone marrow. Realization of the transplantation must be confirmed by a specialist Medical Practitioner. Multiple Sclerosis: Unequivocal diagnosis of Multiple Sclerosis by a specialist Medical Practitioner evidenced by typical clinical symptoms of demyelination and impairment of motor and sensory functions as well as by typical MRI findings. The diagnosis must be confirmed by a specialist Medical Practitioner and evidenced by all of the following criteria:

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Description of Cover
Typical clinical symptoms (neurological abnormalities) of demyelination manifested as an impairment of motor & sensory functions. The diagnosis must establish that the Insured Person has exhibited these clinical symptoms (neurological abnormalities) that have existed for a continuous period of at least 6 calendar months or at least 2 clinically documented episodes at least 30 days apart.
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Characteristic findings in the cerebrospinal fluid as well as specific cerebral MRI lesions. Paralysis: Total and irreversible loss of use of two or more limbs through paralysis due to Accident or Illness of the spinal cord. These conditions must be medically documented by a specialist Medical Practitioner for at least 90 days.

Key Exclusions
90 days Waiting Period War or any act of war, invasion, act of foreign enemy, war like operations Criminal or unlawful act, or intentional self injury or attempted suicide while sane or insane Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing Intoxicating drugs and alcohol Venereal disease," AIDS (Acquired Immune Deficiency Syndrome) and/or infection with HIV Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section) For a complete list of exclusions, kindly refer Policy Wordings
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Claims Documents Required

Our claim form, duly completed and signed for on behalf of the Insured Person. All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries. A precise diagnosis for which a claim is made. If any time period, is specifically mentioned against the Critical Illness for which the claim is made, then the related documents/medical reports to be submitted within 45 days of the completion of such period.

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ThankYou
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