HDFC ERGO Health Insurance

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About HDFC ERGO

HDFC ERGO is a joint venture between HDFC Limited and ERGO. The company caters to several products like Health, Motor, Travel, Personal Accident, Marine, and others through its vast network of 200+ branches spread across 170+ cities. Speaking of health insurance, HDFC ERGO has a list of considerable options for individuals, families, senior citizens, and women to satisfy their demands and keep them healthy.

Highlights

Incurred Claim Ratio

62%

Renewability

Lifelong

Cashless network hospitals

10,000+

**Last Updated on 04-12-2020

HDFC ERGO Health Insurance Highlights

What Are the Types of HDFC ERGO Health Insurance Plans?

Plan Name

Entry Age

Sum Insured

Optima Restore Family Health Insurance

91 days-65 years

Rs.5 lakhs-50 lakhs

Optima Restore Individual Health Insurance

91 days-65 years

Rs.5 lakhs-50 lakhs

My: health Suraksha Insurance - Silver Smart

18 years-lifetime

Rs.3 lakhs-5 lakhs

My: health Suraksha Insurance - Gold Smart

18 years-lifetime

Rs.7.5 lakhs-15 lakhs

My: health Suraksha - Platinum Smart

18 years-lifetime

Rs.20 lakhs-75 lakhs

HDFC ERGO my: Health Medisure Super Top-up

18 years-65 years

NA

HDFC ERGO Critical Illness Insurance

5 years-65 years

Rs.1 lakh-50 lakhs

HDFC ERGO my: Health Women Suraksha

18 years-65 years

Rs.1 lakh-1 crore

iCan- An Essential Cancer Insurance

18 years (minimum)

50 lakhs (maximum)

Health Wallet Family Floater

91 days-65 years

Rs.3 lakhs-50 lakhs

Energy- An Exclusive Plan for your Diabetes

18 years-65 years

Rs.2 lakhs-50 lakhs

Corona Kavach

18 years-65 years

Rs.50,000-5 lakhs

**Last Updated on 04-12-2020

1. Optima Restore Family Health Insurance Plan

This plan comes out with a 360-degree protection cover ensuring financial security during health emergencies and hospitalisation of all the family members under a single plan.

Features:

  • The plan offers pre and post-hospitalization cover up to 60 & 180 days respectively.
  • Get coverage for the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
  • Ambulance costs are covered (up to Rs.2000/hospitalisation) by the plan.

Eligibility:

Entry Age

91 days-65 years

Sum Insured

Rs.5 lakhs-50 lakhs

**Last Updated on 04-12-2020

2. Optima Restore Individual Health Insurance Plan

It is an effective healthcare plan, which takes care of all your medical needs at an affordable premium. The plan aims to offer wider cover without any restrictions. know more

Features:

  • Get the benefit of daily cash (Rs.1000/day and up to Rs.6000) per hospitalisation on choosing shared accommodation.
  • The plan provides pre-hospitalisation cover for 60 days, and post-hospitalization cover for 180 days.
  • Day care procedures under which the policyholder is admitted for less than 24 hours shall be covered.

Eligibility:

Entry Age

91 days-65 years

Sum Insured

Rs.5 lakhs-50 lakhs

**Last Updated on 04-12-2020

3. My: health Suraksha Insurance - Silver Smart Plan

This plan aims to give complete protection to the individual, families, and senior citizens. There are no caps on room rent, free health check-ups every year, and much more. know more

Features:

  • The plan comes with a rebound cover where a policyholder will get an additional sum insured (up to the base sum insured) if the existing sum insured is exhausted.
  • The plan offers an installment benefit where you can pay your premiums in installments.
  • The plan provides pre-hospitalisation cover for 60 days, and post-hospitalization cover for 180 days.

Eligibility:

Entry Age

18 years-lifetime

Policy Period

1/2/3 years

Sum Insured

Rs.3 lakhs-5 lakhs

**Last Updated on 04-12-2020

4. My: health Suraksha Insurance - Gold Smart Plan

It is an effective healthcare product, which aims to serve your health care needs with the best benefits possible. know more

Features:

  • The plan covers 586 day care procedures.
  • If the doctor recommends you to avail treatment at home, the plan will look after its expenses.
  • In case the insured needs mental health-related treatment, the plan will cover its hospitalisation expenses.

Eligibility:

Entry Age

18 years-lifetime

Policy Period

1/2/3 years

Sum Insured

Rs.7.5 lakhs-15 lakhs

**Last Updated on 04-12-2020

5. My: health Suraksha - Platinum Smart Plan

This plan is an ideal health cover for individuals and families who require the best medical benefits at a considerable premium amount.

Features:

  • The plan comes with the benefit of air ambulance services.
  • A recovery benefit of Rs. 25,000 is paid in lump-sum if the hospitalization exceeds 10 continuous days.
  • Road ambulance cover is also offered by the plan.

Eligibility:

Entry Age

18 years-lifetime

Policy Period

1/2/3 years

Sum Insured

Rs.20 lakhs-75 lakhs

**Last Updated on 04-12-2020

6. HDFC ERGO my: Health Medisure Super Top-up

HDFC ERGO Medisure Super Top-Up health insurance meets the ever-growing medical expenses head to head to offer comfort to the insured at the time of recovery.

Features:

  • The policy offers coverage for in-patient hospitalisation expenses and day care procedures.
  • If the policyholder opts for a long-term policy of 2 years, (s)he is eligible to avail of a 5% discount on the premium.
  • No health check-ups are required up to the age of 55 years.

Eligibility:

Entry Age

18 years-65 years

Tax Benefits

Yes

**Last Updated on 04-12-2020

7. HDFC ERGO Critical Illness Insurance

HDFC ERGO Critical Illness Insurance is designed to fight the treatment expenses of critical illnesses and allow the policyholders to recover in peace. The plan is divided into 2 variants.

Variants:

1. Critical Illness Silver Plan: The plan covers the following 8 illnesses-

  • Heart Attack
  • Stroke
  • Multiple Sclerosis
  • Cancer
  • Major Organ Transplantation
  • Coronary Artery Bypass Surgery
  • Paralysis
  • Kidney Failure

2. Critical Illness Platinum plan: The plan covers the following 15 illnesses-

  • Multiple Sclerosis
  • Heart Attack
  • Aorta Graft Surgery
  • Major Organ Transplantation
  • Stroke
  • Kidney Failure
  • Cancer
  • Parkinson's disease
  • Coronary Artery Bypass Surgery
  • Paralysis
  • End-Stage Liver Disease
  • Primary Pulmonary Arterial Hypertension
  • Benign Brain Tumour
  • Parkinson's disease
  • Alzheimer's disease
  • Heart Valve Replacement

Features:

  • The policy can be renewed for a lifetime period.
  • No medical check-up is required up to the age of 45 years.
  • The policyholder will get the benefit of income tax savings (up to Rs.50,000) on the premiums paid for the policy.

Eligibility:

Entry Age

5 years-65 years

Sum Insured

Rs.1 lakh-50 lakhs

**Last Updated on 04-12-2020

8. HDFC ERGO my: Health Women Suraksha

HDFC ERGO Women Suraksha is built to protect women against various health contingencies. The plan provides comprehensive cover under a single plan, which offers financial security against different surgical procedures (including critical illnesses).

Variants:

  1. Women Cancer Plus Plan: It is a crucial health plan for women to fight against women-specific cancer (at all stages) along with major illnesses.
  2. Women Critical Illness Essential Plan: It is liable to secure women against major critical illnesses, cardiac ailments, and other major surgeries. The plan will instantly pay a lump sum benefit in a single transaction at the time of claim.
  3. Women Critical Illness Comprehensive Plan: As the name suggests, this plan provides complete financial protection to women against treatment expenses of minor/major illnesses, surgeries, and 41 listed critical illnesses.

Features:

  • In case a woman loses her job due to illness/surgery, the plan will offer 50% of the monthly salary (up to 6 months).
  • Grab provision of wellness benefits like a health coach, preventive health check-ups, among others.

Eligibility:

Entry Age

18 years-65 years

Sum Insured

Rs.1 lakh-1 crore

**Last Updated on 04-12-2020

9. iCan- An Essential Cancer Insurance Plan

With iCan Cancer Insurance Plan, get health insurance coverage and a lump sum benefit to defeat cancer.

Features:

  • The plan comes with an option of lifelong renewability.
  • Along with coverage for pre and post-hospitalization expenses (30 and 60 days respectively), other benefits such as cashless treatments, criticare, and family care benefits are also provided.
  • Avail tax benefits of up to Rs.25,000 under Section 80D of Income Tax Act, 1961.

Eligibility:

Minimum Entry Age

18 years

Maximum Sum Insured

Rs.50 lakhs

**Last Updated on 04-12-2020

10 . Health Wallet Family Floater

With its unique reserve benefit, the plan is designed to redefine and revolutionize the concept of health insurance. Health Wallet is a flexible and comprehensive plan that will pay for itself after the completion of a few years.

Features:

  • To keep a track of your health, the plan offers preventive health check-up at renewal.
  • Thanks to its multiplier benefit, your SI will increase by 50% on renewal (for a claim-free year).
  • If your sum insured is exhausted and you have a medical emergency, the plan will restore the SI during the policy tenure.

Eligibility:

Entry Age

91 days-65 years

Sum Insured

Rs.3 lakhs-50 lakhs

**Last Updated on 04-12-2020

11. Energy- An Exclusive Plan for your Diabetes

This plan is designed for those suffering from diabetes and hypertension. It makes sure that the insured has the best health care benefits to fight these diseases and their complications.

Features:

  • The plan offers an active wellness plan and a personalized health coach to help you monitor and manage your health.
  • The plan covers pre & post hospitalization expenses up to 30 & 60 days respectively.
  • You can avail of coverage from day 1 of hospitalisation.

Eligibility:

Entry Age

18 years-65 years

Sum Insured

Rs.2 lakhs-50 lakhs

**Last Updated on 04-12-2020

12. Corona Kavach Policy

Corona Kavach Policy is designed to meet the treatment expenses of COVID-19. If and when the insured is infected with COVID-19, this policy will address all the medical needs till the recovery.

Features:

  • All the hospitalisation expenses incurred due to the cost of PPE kits, oxygen, ventilators, and consultation fees are covered.
  • The plan will take care of pre & post hospitalization expenses for 15 and 30 days respectively.
  • The plan looks after the medical expenses during home care (up to 14 days).

Eligibility:

Entry Age

18 years-65 years

Sum Insured

Rs.50,000-5 lakhs

**Last Updated on 04-12-2020

How To Buy HDFC ERGO Health Insurance Plans?

There are two options to buy HDFC ERGO Health plans. Let's take a look at them-

Through the Company's Website

  • Visit the official website of HDFC ERGO and click on 'Health Insurance'.
  • Choose the sum insured and click on 'Buy Now'.
  • Once you have filled in all the necessary details, select the premium amount of your choice.
  • Pay the premium online and your policy document will be mailed to your registered email address.

You can also visit the nearest HDFC ERGO branch to buy health insurance.

Through PolicyX.com

  • Scroll up to the top of this page and fill in the details in the 'Calculate HDFC ERGO Health Insurance Premium' form.
  • The next page will show all the available plans. Choose the best HDFC ERGO health plan and pay the premium.
  • Your policy document will be shared on your registered email address.

What Is the Claim Process of HDFC ERGO Health Insurance Plans?

There are two ways to file a claim. Let's take a look at it.

Cashless Claim Settlement Process

  1. One can avail of the cashless facility only at network hospitals of HDFC ERGO.
  2. Reach the insurance desk of the hospital and show your health card.
  3. Download the pre-authorization form from the company's website. Fill in the details and submit the form. The hospital will share the details with HDFC ERGO.
  4. The company will then scrutinize all the documents and convey their judgement.
  5. On successful verification and acceptance of the claim, the insured can enjoy a cashless treatment facility.

Reimbursement Claim Settlement Process

  1. Reach the nearest non-network hospital and get the treatment done.
  2. Pay all the bills by yourself and then file a claim for reimbursement.
  3. Submit all the required documents.
  4. The company will verify all the information and process the claim.
  5. If approved, you will receive the amount in your registered bank account.

How To Contact HDFC ERGO?

Contact Address: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020

Contact Number For Policy Buying: 1800 2666 400

FAQ's

1. What is the Integrated Wellness App of HDFC ERGO General Insurance Company?

HDFC ERGO goes beyond health insurance; it cares not only for the physique but for the mind of the policyholder as well. Integrated Wellness application will help you to embrace a healthy lifestyle, track your calorie intake, monitor your physical activity, maintain proper health care, and enjoy well-being at its best.

2. Is it possible to port my existing health policy to HDFC ERGO?

Yes, it is possible to port your existing health policy to HDFC ERGO health insurance, provided you have renewed your previous policy without any break.

3. Can I pay my HDFC ERGO Health Insurance in EMI?

Yes, HDFC ERGO has recently launched the facility to pay the health insurance premium in installments.

4. Will I get any discounts if I add my family member to my My:health Medisure Super Top-up policy?

Yes. If one covers more than 2 members on an individual sum insured basis, then (s)he can avail of a 10% discount.

Page updated on 04-12-2020