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 Universal Sompo Health Insurance Plans
Universal Sompo Health Insurance offers various health products to cater to the healthcare needs of every individual, the company offers a wide range of health plans, providing coverage to individuals, families, senior citizens, employees of an organization, and many more. The company at present offers 18 health insurance plans. Let's explore.
Universal Sompo Individual & Family Health Policies
Comprehensive
Universal Sompo Complete Healthcare Insurance
A comprehensive health plan that comes with benefits and value-added services like Dial-a-Doctor, Health Educational Library for People, & many more.
Unique Features
- Dental Treatment covered
- Vaccination cover
- Daily Cash for an Insured Child
Standard/Affordable
Universal Sompo Aarogya Sanjeevani Insurance
A standard health plan that offers complete protection in case of hospitalization due to any serious illness or accident.
Unique Features
- Treatment of Cataract covered
- Dental Treatments covered
- Plastic Surgery covered
Standard
Universal Sompo Saral Suraksha Bima
Saral Suraksha plan covers the insured on accidental death, disability, and diagnosis of listed critical illnesses, or permanent total disablement due to an accident.
Unique Features
- Cumulative Bonus of up to 50%
- Education Grant
- All day care treatments
Universal Sompo Specialized Health Plans
Top-up
Universal Sompo Super Healthcare Insurance
The plan takes care of your medical expenses once your basic cover is exhausted. It boosts the existing coverage by offering an enhanced cover of up to 1 Cr.
Unique Features
- No Medical tests up to 65 years
- 100% restoration of Base SI
- Bariatric Surgery Cover
Senior Citizen
Universal Sompo Senior Citizen Health Insurance Policy
This health plan is specially designed for senior citizens who are above 60 years of age and allows them to cover their spouse’s healthcare needs themselves.
Unique Features
- Cost of Health Check-up Covered
- Daily Allowance up to Rs. 2,500
- Optional covers
Loan Repayment
Universal Sompo Loan Secure Insurance Policy
Repay your outstanding loan amount in the event of your diagnosis of listed critical Illnesses or in case of unfortunate accidental death.
Unique Features
- 4 plan variants to choose from
- 18 Major Medical Illnesses covered
- Optional covers
Personal Accident
Universal Sompo Individual Accident Policy
Universal Sompo's Individual Accident Insurance offers several benefits if the policyholder gets injured or dies in an accident during the policy tenure.
Unique Features
- Compensation Benefit
- Hospital Confinement Allowance
- Funeral charges covered
Critical Illness
Universal Sompo Critical Illness Insurance Policy
The plan provides the necessary coverage to fight against the 11 listed critical illnesses, and pays the sum insured to the family.
Unique Features
- Sum insured up to 20 L
- Free look-up period
- Portability option
Daily Cash
Hospital Cash Insurance Policy
A daily allowance benefit (as hospital cash) is provided to the policyholder at the time of hospitalization.
Unique Features
- Convalescence Benefit
- Long-Term Policy Discount
- No pre-medical tests up to 55 years
Travel Plan
Pravasi Bhartiya Bima Yojana
The policy is designed only for those emigrants who bought this policy before leaving India and have their passports under “Emigration Check Required”.
Unique Features
- Transportation and Airfare Charge
- Maternity expenses
- Repatriation Expenses
Student Oriented
Universal Sompo Surva Vidyarthi Bima Yojana
The plan is taken by an Educational Institution/School for the benefit of the students. The insured can opt for any Section/Benefit and Extension as per their needs .
Unique Features
- Coverage for the Death of the Parent
- Reimbursement of Examination Fees
- Loss of Personal Belongings Cover
Rural Insurance
Universal Sompo Swarna Gramin Bima Yojana (Individual)
Universal Sompo Swarna Gramin Bima Yojana can be taken up by the Gramin (Village Dweller) for covering himself and his family.
Unique Features
- Coverage against personal accident
- Coverage against critical illness
- Optional covers available
Critical Illness
Universal Sompo Aapat Suraksha Bima Policy
The policy offers coverage to support the policyholder during sudden and unexpected medical contingencies, i.e., on the diagnosis of major critical illnesses.
Unique Features
- Accidental Death Cover
- Coverage against 5 critical illnesses
- 100% payout in accidental death
Universal Sompo Group Health Insurance Policies
Micro Insurance
Universal Sompo Sampoorna Suraksha Bima
The plan is designed to meet the insurance needs of sections that are eligible for credit from microfinance institutions such as self-help groups, NGOs, etc.
Unique Features
- Fire & Allied Perils (contents) cover
- Burglary and Robbery cover
- Personal accident and health cover
Group Vector Insurance
Universal Sompo Group Mashak Rakshak Policy
The policy offers coverage for vector-borne diseases such as Dengue, Malaria etc.
Unique Features
- 2% of the SI on a positive diagnosis
- Lump sum benefit
- Coverage for hospitalization
Group Comprehensive
Universal Sompo Group Health Insurance Policy
The plan is designed for the employees working in the trading & manufacturing sectors, social sectors, or members of any society or club.
Unique Features
- Domiciliary Hospitalization covered
- Optional Covers
- AYUSH Treatment covered
Group Personal Accident
Universal Sompo Group Personal Accident
The plan offers protection against the consequences of unforeseeable accidents to a group of employees/members.
Unique Features
- Restricted Contingency Cover
- Adventure Sports Inclusion Cover
- Carriage of Mortal Remains
Group Rural Insurance
Universal Sompo Swarna Gramin Bima Yojana (Group)
Universal Sompo Swarna Gramin Bima Group Yojana can be taken up by an organization such as NGOs, Financial Institutions for covering its rural clientele.
Unique Features
- Coverage against personal accident
- Coverage against critical illness
- Optional covers available
Universal Sompo Corona Specific Policies
Covid-19
Corona Rakshak Policy addresses the financial expenses that occur due to the hospitalization of COVID-19.
Unique Features
- Affordable Premium
- Flexible Sum Insured
- Annual Health Check-Up
Covid-19
Corona Kavach policy offers coverage against the expenses that arise at the time of COVID-19 treatment.
Unique Features
- Emergency Ambulance
- Post-Hospitalization Expenses
- AYUSH Healthcare
