HDFC ERGO Health Insurance Plans
HDFC ERGO health insurance offers a wide variety of medical policies to its customers to meet their needs in terms of comprehensive coverage, flexibility, and affordability. Have a look at mediclaim policies offered by HDFC ERGO:
HDFC ERGO Health Insurance Individual and Family Floater Plans
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
HDFC ERGO Health Insurance Disease-Specific Plans
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
- Ambulance Cover
- Follow up care post treatment
- Conventional Treatments
- Hormonal Treatment
- Stem Cell Transplantation
- 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
HDFC ERGO Critical Illness, Bonus-oriented health plan, Top-Up, Women-oriented health Plans
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
ICICI Lombard Health Insurance Plans
ICICI Lombard offers various health plans that provide financial protection to you and your loved ones. These plans aim to fulfill your healthcare requirements at the time of a medical emergency. The company offers plans for individuals,
families and even offers coverage against COVID-19.
ICICI Lombard Health Insurance Individual & Family Plans
Family Health Insurance
A comprehensive health insurance plan that covers you & your family's healthcare needs with a wide range of SI (2 Lakhs to 50 Lakhs)
Unique Features
- Available in 4 different variants
- 100% Automatic Restoration of SI
- Riders for enhanced coverage
Standard Health Insurance
A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.
Unique Features
- Cumulative Bonus
- Cataract treatment covered
- Modern Procedures covered
Arogya Sanjeevani Policy (Pros)
- Intensive Cardiac Care Charges
- Ambulance charges up to 2000
- Cataract treatment
- In-patient hospitalization
- Uterine Artery Embolization
Arogya Sanjeevani Policy (Cons)
- No Eyesight correction expenses
- Fertility expenses not covered
- Nursing at home not covered
- OPD expenses not covered
- No Non-allopathic Treatment
Arogya Sanjeevani Policy (Other Benefits)
- Floater benefit
- Pre-existing diseases after 4 yrs
- In-patient AYUSH treatment
- Daycare procedures
- Pre and post-hospitalisation
Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Maximum Entry Age - 65 Years
- SI - 1 L to 5 L
- Waiting Period - 30 Days
ICICI Lombard Health Insurance Specialized Plans
Top-up
A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.
Unique Features
- Wellness Programs
- Critical Illnesses Covered
- Lifetime Renewability available
- No Check-up up to 10 Lakh
- Discount of up to 12.5%
- Cashless treatment Hospitals
- Reimbursement within 14 days
- Deductible options (3/4/5 lakhs)
- No international Coverage
- No Alcohol or drug abuse
- No Refractive error correction
- Dental treatment not covered
- No hearing impairment correction
Health Booster (Other Benefits)
- Hospital Daily Cash
- Convalescence Benefit
- Personal Accident Cover
- Repatriation of Remains
- (TTD) Rehabilitation Cover
Health Booster (Eligibility Criteria)
- Entry Age - 18 Years
- No Upper Age Limit
- SI - 5 L to 50 L
- Waiting Period - 30 Days
Personal Accident
The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.
Unique Features
- Permanent Disability Covered
- No pre-medical required
- Worldwide coverage
Personal Protect Plan (Pros)
- All Disablement Covered
- Accidental Hospital Allowance
- Rail accidents covered
- Natural Peril Injury CFovered
- No health check-up required
Personal Protect Plan (Cons)
- Change of Gender Treatments
- Cosmetic or Plastic Surgery
- Dental treatment not covered
- Maternity expenses not covered
- No Global Coverge
Personal Protect Plan (Other Benefits)
- No Injuries in terrorism covered
- Hospital Daily Allowance Benefit
- Accidental Hospital Allowance
- Funeral Expenses covered
- Children's Education Grant Benefit
Personal Protect Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 25 L
- Waiting Period - 30 Days
Covid specific Plan
A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.
Unique Features
- Flexible Sum Insured
- Home-care treatment covered
- Treatment for comorbid
Corona Kavach Plan (Pros)
- Covid Hospitalization charges
- Home Care Treatment Expenses
- AYUSH Treatment Covered
- Hospital Daily Cash
- Flexible Policy Period
Corona Kavach Plan (Cons)
- Dietary supplements expenses
- Unproven Treatments expenses
- Respite care not covered
- Investigation Expenses
- Rehabilitation not covered
Corona Kavach Plan (Other Benefits)
- Inpatient hospitalization
- Family Floater Benefit
- In-patient treatment
- Home care treatment
- Post-hospitalisation
Corona Kavach Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 50 Thousand to 5 L
- Waiting Period - 15 Days
