Hdfc Ergo vs Care Health

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)

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...

Unique Features

• High sum insured
• 540+ procedures covered
• Organ donation cover

• AYUSH treatment
• Affordable premium
• Lifelong renewability
• Tax benefit

• Change of gender treatment
• Obesity treatment unavailable
• Hazardous activity not covered

• Modern treatments available
• 50% cumulative bonus
• 30 days pre-hospitalisation

• Entry age- 5 years
• Max entry age- 65 years
• SI- 5 L
• Waiting period- 30 days

Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available, r...

Unique Features

• Unlimited E-consultations
• Automatic Restoration
• Wellness Benefits

• Health services
• Air Ambulance cover
• Chemotherapy cover

• Illegal activities
• Alcohol abuse
• Obesity treatments

• Dialysis cover
• Second opinion
• Organ donor cover

• Min entry age: 5 Years
• Max entry age: 50 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 2 Cr

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage health insurance offe...

Unique Features

• High sum insured
• 540+ procedures covered
• Organ donation cover

• No Claim Bonus up to 50%
• Automatic SI recharge
• Organ donor cover
• High SI

• 20% co-pay
• Obesity treatment unavailable
• Hazardous activity not covered

• Ambulance cover available
• Optional cover available
• Co-pay waiver
• Room rent modification

• Entry age- 91 days
• Max entry age- Lifelong
• SI- 25 L to 6 Cr
• Waiting Period- 30 days

The Care Cancer Mediclaim policy is a specialized health plan designed to cover the high costs associated with cancer treatment. It provides comprehen...

Unique Features

• Wide SI options
• Lifelong renewability
• Cancer-related global coverage

• Annual health checkup
• Chemo and radiotherapy cover
• Air ambulance cover
• Chemo and radio therapy
• Organ donor cover

• Change of gender treatment
• Obesity treatment unavailable
• HIV/AIDS not covered
• Cosmetic surgery unavailable

• International second opinion
• Doctor on call
• Air ambulance cover
• OPD cover

• Entry age- 5 years
• Max entry age- 50 years
• SI- 10 L to 2 Cr
• Waiting Period- 30 days

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovery of treatment costs, accidenta...

Unique Features

• PTD & PPD cover
• Cover for child education
• 100% accidental death payout

• Accidental death
• Accidental total disablement
• Permanent total disablement

• Illegal activities
• Alcohol abuse
• Obesity treatment

• Accidental hospitalisation
• Tax benefits
• Loyalty benefit

• Minimum Entry Age: 18 Years
• Maximum Entry Age: 70 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to ₹50 Lakhs

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

• Unlimited E-consultations
• Automatic Restoration
• Wellness Benefits

• Modern treatments
• Renewal discounts
• Unlimited e-consultation

• Illegal activities
• alcohol abuse
• obesity treatments

• Ambulance cover
• Doctor on chat
• Maternity care

• Min entry age: 18 Years
• Max entry age: No age limit
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 1 Cr

Free yourself from the worries of healthcare.As the name suggests, Care Freedom is a plan that allows you to be worry-free in every situation. This he...

Unique Features

• Additional health checkups
• Dialysis cover
• No pre-medical check-up

• No pre-policy checkup needed
• Dialysis cover available
• Annual health checkup

• Change of gender treatment
• Obesity treatment
• HIV/AIDS not covered
• Cosmetic surgery unavailable

• Cashless healthcare
• No pre-policy check up
• SI recharge
• Lifelong renewability

• 2 plan variants
• Consumable allowance
• Annual health check-up
• Long term discounts

Care Critical Mediclaim health insurance policy provides protection against 32 defined critical illnesses based on an indemnity plan. This policy ensu...

Unique Features

• 32 Critical illnesses cover
• Dialysis expenses covered
• Avail psychiatric counselling

• Wellness benefits
• Organ donor cover
• 32 CI covered

• Obesity treatment
• alcohol abuse
• illegal activities

• Global coverage
• International opinion
• Doctor on call

• Min entry age: 5 Years
• Max entry age: 50 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 2 Cr

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It provides the flexibility to choose a sum insured...

Unique Features

• No pre-policy check-up
• Annual rewards available
• Reduction in wait period

• Affordable premiums
• Day care treatments
• ICU charges

• Illegal activites
• Adventure sports
• Alcohol abuse

• No-claim bonus
• Second opinion
• Alternative treatments

• Min entry age: 61 Years
• Max entry age: No Limit
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 10 L

Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...

Unique Features

• No claim bonus up to 100%
• Annual health check-ups
• Personal accident cover

• In-built maternity cover
• No upper age limit for enrollment
• Coverage for modern treatment
• Pre-existing diseases

• War
• Riot
• AIDS
• Miscarriage
• Congenital disease

• Lifelong renewability
• ICU charges
• Day care treatment
• Ambulance cover
• Organ donor cover

• Min entry age: 91 days
• Max entry age: No limit
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 6 Cr

Care Joy health insurance is designed specifically for expecting mothers and their newborns to offer several benefits. It covers the cost of normal de...

Unique Features

• Newborn baby cover
• 541 Daycare treatments
• Modern treatments cover

• 2 Plan variants
• Newborn cover
• Maternity cover

• Illegal activities
• Alcohol abuse
• Ambulance cover

• No claim bonus
• Renewal
• Lifelong renewability

• Minimum Entry Age: 18 Years
• Maximum Entry Age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 5 Lakhs

A top-up plan based on the policy deductible principle.Care Enhance is a super top-up health insurance plan that provides extra health insurance cover...

Unique Features

• Flexible deductible
• Modern treatments
• No pre-medical check-ups

• Covers modern treatment
• Flexible options of deduction
• No pre-policy medical test
• Annual health check-up
• Floater option

• Change of gender treatments
• Obesity treatment unavailable
• HIV/AIDS not covered

• High sum insured
• Organ donor expenses
• Expert opinion cover
• Cashless treatment

• Minimum Entry Age: 5 years
• Maximum Entry Age: No age limit
• Sum Insured (SI): 1 Lakh to 55 Lakhs
• Initial Waiting Period: 30 days

Care Classic health insurance is a family floater health plan ideal for married couples, joint families, and young or grown-up families. It offers cos...

Unique Features

• IVF treatment cover
• Free doctor consultation
• Discounted premiums

• Room rent covered
• Day care treatment
• Advanced technology methods
• ICU charges

• Global coverage
• Air ambulance
• Vaccination
• Daily hospital cash

• AYUSH treatment
• IVF treatment
• Cataract
• No claim bonus

• Min. entry age: 18 Years
• Max. entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 15 L

Care Plus health insurance is a complete healthcare plan loaded with features to protect you and your family. It offers comprehensive, inflation-proof...

Unique Features

• Comprehensive coverage
• No upper age limit
• Variants on Sum Insured

• Ambulance cover
• Day care treatments
• Domiciliary hospitalization

• Illegal activities
• alcohol abuse
• obesity treatment

• Personal accident cover
• Inflation shield
• Health services

• Min entry age: 5 Years
• Max entry age: No limit
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 25 L

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like active heart health check-ups...

Unique Features

• Coverage for OPD
• Home care available
• International 2nd opinion

• Cardiac health check-up
• Second medical opinion
• Automatic SI restoration
• Lifelong cover

• Change of gender treatment
• Obesity treatment unavailable
• Hazardous activity not covered
• HIV/AIDS not covered

• OPD care
• Home care
• International Second opinion
• Automatic recharge
• High SI

• Entry Age: 18 years Maximum Entry Age: No age limit Sum Insured: ₹3 Lakhs to ₹10 Lakhs Waiting Period: 30 days

The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. Thi...

Unique Features

• Moneyback benefits
• Newborn coverage
• Medi vouchers

• Ambulance cover
• Discounts
• Loyalty boost
• Newborn cover

• OPD not covered
• Cosmetic surgeries
• Congenital diseases

• MediVouchers
• Cumulative bonus
• Doctor on chat

• Entry Age: Minimum 18 years
• Maximum No Age Limit. Sum Insured: ₹5 Lakh to ₹1 Crore. Waiting Period: 30 Days.

Care Health provides Group Health Insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered 11,000+ ...

Unique Features

• Explore Care Health Group Plans
• Care Claim Settlement Ratio
• Benefits of Care Group Plans

• 11
• 000+ corporate policies
• 25
• 000+ locations covered
• 92.77% claim settlement ratio

• Infertility not covered
• war-related claims excluded
• waiting period applies

• Tax savings
• corporate buffer option
• paperless claim process
• health awareness camps

• Adults: 18-99 years
• Children: from 91 days
• covers employee families
• no pre-policy check-up