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HDFC ERGO My:Health Women Suraksha is a comprehensive health policy tailored for women, providing robust coverage for specific ris...
Features Pros Cons Other Benefits Eligibility
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
HDFC ERGO's Arogya Sanjeevani Policy is a foundational health plan, available for individuals or families, offering up to 10 Lakhs...
Features Pros Cons Other Benefits Eligibility
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 Insurance Plan provides comprehensive health coverage for individuals and families, extending b...
Features Pros Cons Other Benefits Eligibility
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
HDFC ERGO Optima Secure is a health insurance plan designed to offer comprehensive financial protection for individuals and famili...
Features Pros Cons Other Benefits Eligibility
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
HDFC ERGO's Personal Accident Policy offers worldwide coverage and lifelong renewability without requiring pre-policy medical chec...
Features Pros Cons Other Benefits Eligibility
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 HDFC ERGO iCan Cancer Insurance Plan is a specialized health policy designed to cover medical expenses for cancer treatment, o...
Features Pros Cons Other Benefits Eligibility
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 My: Health Suraksha Smart Plan offers comprehensive health protection for individuals, families, and senior citizens, wi...
Features Pros Cons Other Benefits Eligibility
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's Energy Health Insurance Plan specifically caters to individuals with diabetes (Type 1, Type 2, pre-diabetes) and hyper...
Features Pros Cons Other Benefits Eligibility
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's Health Wallet is a comprehensive health insurance plan, available as an individual or family floater, that covers both...
Features Pros Cons Other Benefits Eligibility
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
HDFC My Health Medisure Super Top Up Plan offers enhanced health coverage, complementing an existing policy to provide ample medic...
Features Pros Cons Other Benefits Eligibility
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 comprehensive health insurance plan offering high sum insured options up to INR 1 crore to counter me...
Features Pros Cons Other Benefits Eligibility
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 is a comprehensive health insurance plan with a Restore benefit that replenishes the sum insured after a ...
Features Pros Cons Other Benefits Eligibility
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 provides an affordable, entry-level health cover for individuals and families, particularly accessible in Ti...
Features Pros Cons Other Benefits Eligibility
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
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