National Health vs Hdfc Ergo

National Parivar Mediclaim Plus is a versatile family floater health insurance policy that comes in three different plan options: A, B, and C. The pla...

Unique Features

• Multiple Plan Options
• Up to 50 L SI
• Avail Maternity Cover

• Multiple Discount Options
• Tax Benefits
• Road Accident Cover

• Hazardous or Adventure Sports
• Treatment for Alcoholism
• Drug or Substance Abuse

• Maternity Cover
• Infertility Treatment
• Vaccination for Children

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 50 Lakhs

National Young India Mediclaim Policy is an indemnity-based insurance policy available as an individual and family floater health plan. This standard ...

Unique Features

• Maternity Cover
• Cataract Cover
• High SI Cover

• Room Rent Cover
• Day Care Procedure
• AYUSH Treatment

• Morbid Obesity Treatment
• Illegal Activities
• Adventure Sports

• Cumulative Bonus
• Wellness Discount
• Long Term Discount

• Min entry age: 18 years
• Max entry age: 43 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 10 Lakhs

Buying individual health insurance can be challenging due to high monthly premiums. A group mediclaim policy offers comprehensive health support benef...

Unique Features

• Coverage for modern treatment
• Covers HIV/AIDS treatment
• Covers 140+ daycare procedures

• 140+ daycare procedures
• HIV cover
• Affordable premiums
• AYUSH cover

• Treatment outside India
• OPD diagnostics
• Adventure sport injuries
• Injuries due to illegal activity

• Co-payment discounts available
• PED cover
• 30-day pre-hospitalisation
• Modern treatment

• Entry Age: 3 Months
• Maximum Entry Age: N/A
• Sum Insured: INR 50
• 000 to INR 10 Lakhs
• Waiting Period: 30 days

You can buy the National Insurance personal accident plan on an individual or family floater basis; it acts as a standalone policy. This policy is des...

Unique Features

• PPD/ PTD & TTD cover
• Accidental death coverage
• Assured death payout

• 100% accidental death payout
• PTD benefit
• PPD benefit
• TTD benefit

• PEDs not cover
• Adventure sports not covered
• Vaccination not covered

• Mortal remains portability
• Death coverage benefits
• Loss of organ cover
• Educational fund

• Entry age: 5-70 years
• SI: Upto INR 10 lakh
• Policy tenure: 1 year
• Waiting period: None

National Mediclaim Plus Policy is a high sum insured policy that indemnifies for in-patient treatment expenses, 140+ day care procedures/surgeries, Ay...

Unique Features

• National Mediclaim Plus features
• Learn about the eligibility criteria
• Exclusions & claim process

• 12 modern treatment covered
• Maternity covered
• Lifelong renewability

• Pre-existing diseases
• Treatment outside India
• Adventure sports injury

• COVID vaccination
• Air ambulance
• Hospital cash benefit

• Min entry age: 18 Years
• Max entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 50 L

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to policyholders. This plan was launch...

Unique Features

• National Mediclaim plan features and benefits
• Eligibility criteria
• Easy claim process

• All-Inclusive Coverage
• No Claim Bonus
• Lifelong Renewability
• Wide Network of Hospitals

• Cosmetic Surgery
• IVF
• Dental Treatment
• Maternity Coverage

• Tax Benefits
• Avail 10% Discount
• Health Incentives

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to ₹10 Lakhs

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan that pro...

Unique Features

• Explore the plan’s key features
• Find out the eligibility criteria
• Learn its benefits & exclusions

• Infertility treatment cover
• Vaccination covered
• Ambulance covered
• Cataract covered

• Treatment outside India
• OPD diagnosis
• Adventure sports

• AYUSH cover
• No co-pay
• Vaccination

• Min entry age: 18 Years
• Max entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 10 L

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, with a Sum Insured up to 10...

Unique Features

• Understand the plan features
• Learn about its eligibility criteria
• Know more about its exclusions

• Online purchase discount
• EMI facility available
• High Sum Insured
• Affordable premium.

• Treatment outside India
• OPD diagnostics
• Adventure sport injuries
• Injuries due to illegal activities.

• Enhanced limits for room rent
• Online discounts available
• Option to change sum insured
• Lifelong renewal.

• Minimum entry age: 18 years
• Maximum entry age: 65 years
• Initial waiting period: 30 days
• Sum Insured: Up to ₹10 Lakhs.

National Health Insurance Company has recently launched an insurance plan called 'Corona Kavach Policy' that provides coverage for expenses incurred d...

Unique Features

• Corona Kavach features and benefits
• Eligibility requirements
• Buying process of the plan

• Covers spouse and children
• Home care treatment
• No sub-limit

• Treatment outside India
• OPD diagnosis
• Injury due to illegal activity

• 15-day pre-hospitalization
• Discounts available
• Tax benefits

• Min entry age: 18 years
• Max entry age: 64 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 5 Lakhs

National Super Top-up Mediclaim Policy is a high-threshold health insurance product, covering family members under a single sum insured on a floater b...

Unique Features

• Super Top-up Mediclaim features and benefits
• Eligibility criteria
• Modern treatment cover

• Organ donation covered
• Morbid obesity treatment covered
• Portability allowed
• High SI

• Treatment outside India
• OPD diagnosis
• Adventure sport injuries

• Affordable premiums
• Tax benefits
• HIV/AIDS cover

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

National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It covers expe...

Unique Features

• Plan options available
• Domiciliary hospitalization
• Modern treatments

• Reinstatement of Sum Insured
• Cataract
• Ambulance Cover

• Obesity
• Adventure Sports
• Illegal Activities

• Hospital Cash
• Doctor's Home Visit
• Funeral Expenses

• Min entry age: 60 Years
• Max entry age: 80 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 10 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)