Cholamandalam Ms vs Hdfc Ergo

Chola Flexi Health is an insurance plan that adapts to your life. You can personalize your sum insured, premium payment mode, and tenure under the pol...

Unique Features

• Avail SI up to 25L
• Medical Second Opinion
• Compassionate Travel Cover

• Newborn baby cover
• Ambulance cover
• Recharge benefit

• Illegal activities
• Alcoholism
• Obesity
• and cosmetic procedures

• Medical second opinion
• Daily care benefit
• AYUSH coverage

• Min entry age: 18 Years
• Max entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 25 L

HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The policy of...

Unique Features

• Cancer Cover
• Assault And Burn Cover
• 41 Critical Illness Cover

• Lifetime renewal
• Wellness Incentives
• Add-On Coverage

• Obesity or weight control
• Cosmetic surgeries
• Maternity cover
• Change of gender treatment

• Post Diagnosis Support
• Cancer Cover
• Major Illness Cover
• Surgical Procedure
• Critical Illness Cover

• Entry age: 18 to 65 years
• Sum insured: 1 Lakh to 1 Crore
• Policy term: 1/2/3 years

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides essential medical support ...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Pre and post-hospitalization
• Doctor consultation
• AYUSH treatment
• Preventive health check-ups

• Maternity expenses
• Daily hospital cash
• Modern treatment
• Organ donor cover

• Family floater cover
• Sum Insured up to 10 Lakhs
• Lifelong renewability

• Min. Entry Age: 18 Years
• Max. Entry Age: 65 Years
• Sum Insured: Up to 10 Lakhs
• Initial Waiting Period: 30 Days

The HDFC ERGO Optima Secure Global plan offers vital and extended coverage both within and outside India, providing comprehensive protection without g...

Unique Features

• India & Worldwide Coverage
• High SI up to 2 Crores
• Aggregate Deductible Discounts

• Worldwide coverage
• high sum insured up to INR 2 Crores
• 4-level sum insured restoration benefit
• aggregate deductible discounts
• and no deductions on non-medical expenses.

• INR 10
• 000 deductible for overseas claims
• aggregate deductible applicable only in India
• no coverage for vaccinations
• maternity and newborn baby cover not included in the base plan.

• E-opinion for 51 critical illnesses
• availability of various add-on covers
• optional Overseas Travel Secure add-on.

• Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
• 2
• or 3 Years

The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. It offers up...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Hospital Cash Benefit
• No Cost Instalment Option
• Restore Benefit
• Unlimited Restore

• Maternity cover NA
• Newborn care unavailable
• OPD cover unavailable

• Aggregate deductible discounts
• Disposables & consumables cover
• Worldwide cover

• Entry age: 18 years to no max limit
• SI: 5 Lakhs to 2 Crore
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

The HDFC ERGO Personal Accident Insurance plan offers worldwide coverage and lifelong renewability. A key benefit of this plan is that it does not req...

Unique Features

• Worldwide coverage
• No pre-policy medicals
• Lifelong renewability

• Accidental Death
• Permanent Total Disability
• Broken Bones
• Burns

• Breach of law
• Pregnancy or childbirth
• Self-inflicted injury

• Ambulance costs
• Hospital cash
• Lump sum payout benefit
• Air ambulance cover

• Entry Age: 18 - 65 years
• Policy Term: 1/2/3 years
• Initial Waiting Period: None
• Sum Insured: 20 L - 10 Cr

The iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. It covers medical expenses incurred during the trea...

Unique Features

• Key Features
• Eligibility & Exclusions
• iCan Cancer Plan Sample Premiums

• Cancer cover
• In-patient hospitalization
• Ambulance cover

• Maternity cover
• Newborn cover
• Organ donor cover
• Global coverage

• COVID-19 cover
• Pre and post-hospitalization
• ICU charges

• Entry age: 5 to 65 years
• Policy term: 1 year
• Initial waiting period: 120 days

HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising medical expens...

Unique Features

• Key Features
• Eligibility & Age Restrictions
• Types of My:Health Suraksha Smart Plans

• Air ambulance cover
• Recovery benefit
• Infertility cover

• Vaccination cover unavailable
• Second medical opinion not available
• Maternity cover unavailable
• Newborn baby cover unavailable

• Family discount
• Long-term policy discount
• Loyalty discount

• Entry age: 18 years to no upper age limit
• Sum insured: 3 Lakh to 75 Lakh
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type 2, pre-diab...

Unique Features

• Personalized health coach option
• Get rewards to reduce your premiums
• Diabetes and Hypertension without waiting period

• Personal health coach
• Rewards for premium discount
• Diabetes and Hypertension cover

• ICU cover unavailable
• AYUSH treatment not covered
• OPD not covered
• Domiciliary treatment unavailable

• Organ donor cover
• Ambulance services
• Pre & post-hospitalization cover

• Entry age: 18 to 65 years
• Policy term: 1 year
• Initial waiting period: 30 days
• Sum insured: 2 L to 50 L

HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also secures your...

Unique Features

• Worldwide Emergency Care
• Avail 6% interest on un-used SI
• Cashless Homecare treatment

• Inpatient and outpatient cover
• OPD cover
• Domiciliary hospitalization

• Air ambulance
• E-consultations
• Health check-up
• Modern treatment cover

• Global coverage
• Daycare procedures
• Health check-up
• Vaccination charges

• Entry age: 18 to 65 years
• Initial waiting period: 30 days
• Sum insured: 3 to 50 Lakhs
• Policy term: 1/2/3 years

The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It complements your ...

Unique Features

• Plan Specifications
• Key Features & Benefits
• Quick Buying And Claim Process

• Day care procedures
• High sum insured
• 6-hour response guarantee

• Adventure sport injuries
• Self-inflicted injuries
• War

• Deductibles offered
• Covers family members
• Versatile plan

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 20 Lakhs

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. The Koti Suraksha Plan by HDFC ERGO Insurance Com...

Unique Features

• High sum insured
• Health and wellness plan
• Emergency worldwide coverage

• Air ambulance
• OPD cover
• Domiciliary hospitalization
• Emergency global coverage

• Vaccination not covered
• Modern treatment unavailable
• Maternity & newborn baby care unavailable

• In-patient hospitalization
• Daycare procedures
• Health check-up cover

• Entry age: 18 to 65 years
• Sum insured: 50 Lakhs & 1 Crore
• Waiting period: 30 days
• Policy term: 1/2/3 years

HDFC ERGO Optima Restore Policy is HDFC ERGO's best-selling plan since its launch. It offers comprehensive health cover to you and your family under t...

Unique Features

• Recovery benefit
• SI restoration
• Waiting period reduction

• Restore benefit
• 2X Multiplier benefit
• Renewal discounts

• AYUSH not covered
• OPD cover unavailable
• Global health cover

• Recovery benefits
• Organ donor cover
• In-patient and out-patient hospitalization

• Entry Age: 18 - 65 Years
• Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
• Initial Waiting Period: 30 Days

HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to individuals ...

Unique Features

• 100% Cumulative Bonus Benefit
• No Room Rent Limits
• Affordable Entry-Level Health Cover

• Affordable premiums
• Unlimited restore benefit
• No disease-wise sub-limits

• Low sum insured options (₹5L–₹7.5L)
• Room rent cap (1% SI) causing deductions
• Not suitable for metro/high-cost treatment needs

• Preventive health check-up every year after 1st renewal
• Covers non-medical expenses (optional Protect benefit)
• Daily cash allowance for shared room hospitalisation

• Entry age: 91 days (children) to 18 years (adults)
• No maximum age limit
• Available for individual and family floater (self
• spouse
• children
• parents)