Hdfc Ergo Health Insurance Covered Diseases List
  • Covid-19 Cover
  • Cancer Cover
  • Mental Illnesses Cover
HDFC ERGO Health Insurance
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Network hospitals

12000+

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Incurred claim ratio

79.04%

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Sum insured

Up to 2 CR

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No. of Plans

11

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Solvency Ratio

1.7

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Pan India Presence

200+

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Age of Eldest Member

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Network hospitals

12000+

premium

Incurred claim ratio

79.04%

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Sum insured

Up to 2 CR

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No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Hdfc Ergo Health Insurance Covered Diseases List

Undergoing treatments for any kind of illness is immensely difficult on any individual. The mental, physical and emotional toll it takes on an individual and their family members leads to a difficult phase. Availing treatment for any major illness can drain the life savings of an individual and bring additional financial stress if you do not have adequate health insurance coverage.

HDFC Ergo Health Insurance is amongst the pioneers in the insurance industry providing multiple Health Insurance plans covering diseases within a broad spectrum. When we talk about the HDFC Ergo Health Insurance covered disease list, it covers multiple diseases which fall under day-care, home care, or even critical illnesses. HDFC Ergo Health Insurance Covered diseases list includes cataract, COVID-19, cardiac diseases, cancer, mental illnesses, diabetes, and more.

HDFC Ergo health insurance plans are among the ideal choices when it comes to seeking treatment. With 13000+ network hospitals and an impressive claim settlement ratio of over 95%, individuals can seek treatment for all the HDFC ergo health insurance-covered diseases list. HDFC Ergo provides hospitalization cover, pre & post-hospitalization cover, day-care procedures, and multiple coverage features on the diagnosis of any of the HDFC Ergo health insurance covered diseases list.

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HDFC Ergo health insurance covered diseases list

HDFC Ergo has designed multiple health insurance plans catering to every individual need providing covers for specific diseases and major illnesses. To know more about the HDFC Ergo health insurance covered diseases list read below:

  • Mental Health Illnesses HDFC Ergo health insurance covered diseases list includes mental health diseases that are not very commonly covered under different health insurance plans. HDFC Ergo Health Insurance believes in the holistic well-being of policyholders offering mental health illness coverage.
  • COVID-19 COVID-19, initiated a global pandemic in 2019, ever since health insurance companies have played a significant role in designing health insurance plans that offer maximum coverage to insurance holders against COVID-19.
  • Diabetes India ranks second when it comes to having a large base of diabetic patients. With over 70 million diabetes patients in India, HDFC Ergo health insurance plans offer coverage against type-1 and type-2 diabetes.
  • Cancer Cancer is one disease that takes a toll on an individual’s mental and physical health as well as drains an individual’s financial status if not prepared to cope with the treatment expenses. HDFC Ergo Health Insurance covered diseases list includes cancer coverage offering adequate coverage to policyholders against major diseases like cancer.
  • Heart Attack There are multiple reasons that lead to cardiac arrest in individuals. The primary reason is an unhealthy lifestyle and lack of activity along with a family history of heart ailments. HDFC Ergo Health insurance covered disease list includes coverage against heart attacks safeguarding lives and managing the financial burden that comes along with heart ailments.
  • Alzheimer’s Disease A common type of dementia that is often stereotyped as being a disease affecting old people. However, it is found that Alzheimer’s does affect younger individuals as well and affects the brain making affected people lose their memory. HDFC Ergo Health insurance covered disease list includes Alzheimer’s disease offering coverage against the disease.
  • Kidney Failure Kidney Failure is one disease that is cumbersome for people affected by it as it requires regular dialysis and hospital visits which are expensive and can take a toll on the financial status of an individual if they do not have health insurance plan with adequate coverage and facilities, which is why HDFC Ergo Health insurance covered disease list provides coverage against kidney failures.
  • Cataract Cataract is a condition in which the eyes are affected and the vision is compromised. However, it is easily treatable and the patient is discharged within a few hours of the surgery. Cataract is among the listed diseases that are covered under the HDFC Ergo Health insurance covered disease list.

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Explore HDFC Ergo Health Insurance

Know more about HDFC Ergo Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Claim Process

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Buying Process

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Contact Us

Feel free to contact HDFC ERGO Health Insurance for more details.

Renewal Process

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Claim Settlement Ratio

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Premium Calculator

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Conclusion

Before purchasing any health insurance plan, individuals must be aware of the HDFC ergo health insurance not covered diseases list and the list of diseases covered under HDFC Ergo health insurance. It is imperative to purchase the right health insurance plan that covers all major illnesses and safeguards you against unforeseen medical emergencies and circumstances. HDFC Ergo health plans cover all the mentioned major illnesses and more in order to provide policyholders with maximum coverage.

Explore Other HDFC Ergo Health Plans

HDFC Ergo Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

Optima Secure Policy (Pros)

  • Secure Benefit
  • Plus Benefit
  • Automatic Restore Benefit
  • No room capping
  • Covid - 19 Cover

Optima Secure Policy (Cons)

  • Adventure Sports Injuries
  • Injuries Out of War
  • Death due to breach of law
  • Congenital Diseases
  • Alcoholism

Optima Secure Policy (Other Benefits)

  • Day Care Treatments
  • Road Ambulance Cover
  • Air Ambulance Cover
  • E-opinion
  • Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 5 L to 2 Cr
  • Waiting Period - 30 Days

Comprehensive

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Optima Restore Policy (Pros)

  • Daily Hospital Cash
  • Ambulance Cover
  • Modern Treatment
  • Lifetime Renewal
  • Pre and Post Hospitalization

Optima Restore Policy (Cons)

  • No Dental Cover
  • No Maternity Cover
  • No Non-Allopathic treatment
  • Pre-Existing Diseases after 3 yrs
  • Alcoholism not covered

Optima Restore Policy (Other Benefits)

  • Sum Insured Enhancement
  • Tax Benefit
  • E-Opinion
  • 10% Family Discount
  • 7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Flexible

Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts

my:health Suraksha (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

my:health Suraksha (Cons)

  • No Return Transportation Cost
  • Suicidal Injuries
  • No Non-Allopathic treatment
  • Adventure Sports Injuries
  • Alcoholism

my:health Suraksha (Other Benefits)

  • Pregnancy Complications Covered
  • Newborn Complications Covered
  • Loss of Job Covered
  • Post Diagnosis Support
  • 41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 75 L
  • Waiting Period - 30 Days

Comprehensive

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Koti Suraksha Plan (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

Koti Suraksha Plan (Cons)

  • Infertility Treatment
  • No Unproven Treatments
  • No Dietary Supplements
  • No Maternity Treatments
  • No Cosmetic Surgery

Koti Suraksha Plan (Other Benefits)

  • 5% Non-Medical Expense Covered
  • Emergency Worldwide Coverage
  • Aggregate Deductible
  • Overseas Treatment
  • Sum Insurance Rebound

Koti Suraksha Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 Cr
  • Waiting Period - 30 Days

Disease-specific plan

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

Energy Diabetes Policy (Pros)

  • In- Patient Hospitalization
  • No Waiting Period for Diabetes
  • Restore Benefit
  • Cumulative Bonus
  • Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

  • 2 Year Waiting Period
  • Abuse of Intoxicant Not Covered
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

  • Monthly Newsletter
  • Organ Donor Benefit
  • Earn Rewards for Staying Healthy
  • 25% Discount On Renewal
  • 2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 2 Years

Disease-specific plan

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC iCan Cancer (Pros)

  • Ambulance Cover
  • Follow up care post treatment
  • Conventional Treatments
  • Hormonal Treatment
  • Stem Cell Transplantation

HDFC iCan Cancer (Cons)

  • No Non Allopathic treatments
  • No Prosthetic Devices
  • No Overseas Treatments
  • Pre-existing condition for Cancer

HDFC iCan Cancer (Other Benefits)

  • Sum Insured Enhancement
  • CritiCare Benefit
  • Family Care Benefit
  • Lifetime Renewal
  • MyCare Benefit

HDFC iCan Cancer (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 120 Days

Critical Illness

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Critical Illness Policy (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • 1 or 2 Year Policy Period
  • End Stage Liver Failure
  • No Cover ceasing age

Critical Illness Policy (Cons)

  • 10 Lakh Fine on Wrong Claim
  • Tuberculosis Not Covered
  • PED after 48 months
  • Kaposi's sarcoma Not Covered
  • Lymphomas in brain Not Covered

Critical Illness Policy (Other Benefits)

  • 3 Variants (Silver, Gold, Platinum)
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater SI Options

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

Bonus-oriented health plan

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Wallet Family Floater (Pros)

  • Reserve Benefit
  • 100 % Restore Benefit
  • Recovery Benefit
  • 50% Increase On SI on Renewal
  • World Wide Coverage

Wallet Family Floater (Cons)

  • External Congenital diseases
  • Drugs Treatments
  • Miscarraige Not Covered
  • Deductibles (Optional)
  • No Cosmetic Surgery

Wallet Family Floater (Other Benefits)

  • Ambulance Cover
  • 5 Year Policy Cover
  • Portability
  • 30 Days Grace Period
  • Sum Insured Enhancement

Wallet Family Floater (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Top-Up

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

My:health Medisure Super Top-up (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • Post 61 Year No Premium Hike
  • Day Care Procedure
  • Pre and Post Hospitalization

My:health Medisure Super Top-up (Cons)

  • Treatment Of Obesity
  • Self Inflicted Injury
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • No Cosmetic Surgery

My:health Medisure Super Top-up (Other Benefits)

  • Free Look Period
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater Options

My:health Medisure Super Top-up (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Women-oriented health

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

  • Maternity complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

My:health Women Suraksha (Pros)

  • AYUSH Benefit
  • Alternative Treatment
  • Organ Donor Benefit
  • Domiciliary Hospitalization
  • Pre and Post Hospitalization

My:health Women Suraksha (Cons)

  • Adventure Sports Injuries
  • No Sexsually Transmitted diseases
  • No Cosmetic Surgery
  • Alcoholism issues not covered
  • No Self Inflicted Injuries

My:health Women Suraksha (Other Benefits)

  • Parent and Child care Cover
  • Child Care Benefit
  • Vaccination
  • Air Ambulance
  • Health Coach

My:health Women Suraksha (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - Lifetime Entry
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

HDFC Ergo Health Insurance : FAQ's

1. Is diabetes covered in the HDFC health insurance covered diseases list?

Yes, HDFC Ergo health insurance plans cover Type-1 and Type-2 Diabetes.

2. Can I get a family cover against major illnesses through HDFC Ergo Health Insurance Plans?

Yes, HDFC Ergo Health Insurance offers multiple plans that cover the HDFC Ergo health insurance covered diseases list which includes major illnesses as well as critical illnesses.

3. Is cancer covered under HDFC Ergo health insurance covered diseases list?

Yes, Cancer is a critical illness covered by HDFC Ergo Health Insurance Plans providing insurance holders with adequate sum insured as well as coverage facilities required to fight the battle against the disease.

4. Can I include family members on HDFC Ergo Health Insurance covered disease list?

Yes, HDFC Ergo offers many family floater plans that cover major illnesses and critical illnesses allowing you to safeguard your family.

5. Cataract is covered on HDFC Ergo Health Insurance covered disease list?

Yes, cataract is covered under HDFC Ergo Health Insurance Plans and is amongst the major illnesses covered.

What Our Customers Have to Say

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Patra Ahuja

Gandhinagar

April 8, 2024

I was looking for the best health insurance policy. PolicyX came up and eased up my whole task. They suggested HDFC ERGO Optima Secure, it is the best decision ever.

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Sunidhi Makkar

Mumbai

April 8, 2024

PolicyX was a great resource when I was shopping for health insurance. Got to know a few insights about the company I hold a policy with, HDFC ERGO.

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Harsh Wardhan

Madurai

April 8, 2024

I would extend my gratefulness to the PolicyX team who helped me get the best health insurance policy from HDFC ERGO.

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Nipun Walia

Pune

April 8, 2024

Buying HDFC ERGO Health Insurance with the help of PolicyX was the best purchase of my life. Thank you so much team for helping me out.

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Prema Singhania

Madurai

April 8, 2024

I am so glad that I got my first Health Insurance policy with the help of PolicyX. I am secure now after getting the HDFC ERGO Health Insurance Plan.

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Padma Ray

Bhopal

March 15, 2024

Always wanted to buy a health insurance for myself with my first salary. PolicyX helped me choose the HDFC ERGO My:Health Women Suraksha, specifically made for heathcare needs of women.

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Ryan Mukherjee

Coimbatore

March 14, 2024

HDFC ERGO Critical Illness Health Insurance Policy is the best choice of my life. I would like to thank PolicyX and the team for their support.

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Nitish Sinha

Allahabad

March 14, 2024

I had a kidney problem, so I chose to buy an HDFC ERGO Critical Illness policy with the help of PolicyX. After completing the waiting period, now I am completely eligible to claim for my medica...

View All HDFC Ergo Health Insurance Reviews

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.