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
Types Of IFFCO TOKIO Health Insurance Plans
With changing and evolving healthcare needs of an individual, IFFCO TOKIO Health Insurance Plans ensures to look after each & every healthcare need of your and your family. The plans offered cater to the different needs of the customers. Continue reading to explore more about the plans.
Individual & Family Health Insurance Plans
Iffco Tokio Individual Health Protector Policy
The policy covers healthcare expenses like hospitalization, treatment, medicines, etc. on an individual as well as a family floater basis. SI goes up to 20 Lakhs.
Unique Features
- No medical check-ups up to 60 years
- Coverage against critical illness
- Vaccination and check-ups covered
The plan provides coverage to the entire family including spouse, dependent parent and children, or any other dependent or relatives living together.
Unique Features
- Daily Allowance up to Rs. 1K per day
- Emergency Assistance Services
- 160+ Day Care Surgeries covered
Iffco Tokio Swasthya Kavach Policy
A complete family floater health policy that looks after the health needs of you and your family including the proposer, spouse and 3 dependents.
Unique Features
- Coverage for Organ transplantation
- Daily Allowance Cover up to Rs. 250
- Reinstatement Benefit available
Iffco Tokio Individual Medishield Policy
Offers medical coverage to the policyholders and their families for the expenses of hospitalization, surgeries, organ transportation etc with coverage of up to 5 Lakhs.
Unique Features
- Lifelong renewal
- Nursing Expenses covered
- Ambulance charges up to Rs 1,500
Iffco Tokio Arogya Sanjeevani Policy
A standard health policy that offers coverage to individuals and their families against medical expenses. The policy offers coverage of up to INR 5 Lakhs.
Unique Features
- Cumulative bonus for claim free year
- 5% co-payment on all claims
- Cataract treatment up to INR 40K
IFFCO TOKIO Health Specialized Plans
Iffco Tokio Individual Personal Accident Policy
The plan offers cover in case of the death due to an accident and covers permanent total/partial disability, and temporary total disability.
Unique Features
- Children’s education costs covered
- Increased SI at every renewal
- Coverage for ambulance cost
Iffco Tokio Health Protector Plus Policy
IFFCO TOKIO Health Protector Plus Policy offers financial aid to the individual and his/her family to cope with high medical expenses against serious illnesses
Unique Features
- Top-up or Super Top-up options
- Waiver of deductible cover
- Emergency assistance services
Iffco Tokio Swasthya Raksha Bima
IFFCO TOKIO Swasthya Raksha Bima policy is an affordable family floater plan especially designed for people dwelling in small towns and cities.
Unique Features
- Vitamins and tonics covered
- Additional Daily Allowance
- Coverage against cataract
Iffco Tokio Critical Illness Insurance Policy
Critical Illness Policy assists the policyholder by offering financial support to cope with the expenses that occurred during the treatment of the 25 listed critical illnesses.
Unique Features
- No medical tests required
- Lifelong renewal available
- Wide coverage of up to INR 1 Crore
Designed to provide comprehensive protection against listed seven vector-borne diseases including Malaria, Dengue, Kala-azar, and many more.
Unique Features
- Lumpsum payout available
- SI of upto 1 lakh
- Cover entire family
IFFCO TOKIO Hospital Daily Cash Policy
The plan offers a fixed amount to the beneficiary for each continuous and completed period of 24 hours of hospitalization.
Unique Features
- Modern Treatment Methods
- Day care surgeries
- Daily cash for up to INR 5,000
IFFCO TOKIO Health Corona Specific Plan
IFFCO TOKIO Corona Kavach Policy
Corona Kavach Policy shields against the expenses incurred due to COVID-19-related hospitalization/home care treatment.
Unique Features
- Cover entire family
- Telemedicine charges
- High SI of upto 5 lacs
IFFCO TOKIO Corona Rakshak Policy
Corona Rakshak Policy provides a lump-sum benefit (equal to 100% of the SI) to the insured on the positive diagnosis of COVID-19.
Unique Features
- Lumpsum payout to beneficiary
- Coverage up to 2.5 Lacs
- Avail Tax Benefits