HDFC ERGO Arogya Sanjeevani Policy
  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses
Hdfc Ergo Arogya Sanjeevani Policy
Network hospitals

Network hospitals

12000+

Incurred claim ratio

Incurred claim ratio

79.04%%

Sum insured

Sum insured

Up to 2 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.7

Pan India Presence

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

HDFC ERGO Arogya Sanjeevani Policy

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides you with the precise medical support of health insurance including, hospitalization, pre and post-hospitalization, doctor’s consultation, AYUSH treatment, preventive health check-ups, etc.

With a sum insured of up to 10 Lakhs, the plan is sufficient for your alternate medical requirements. Also, as a policyholder, you need not worry about the hefty monthly premiums. It comes with an affordable range and seamless customer support for everyone.

Read further about the benefits and specifications of the plan in this article.

HDFC ERGO Arogya Sanjeevani Policy Specifications

To understand HDFC ERGO Arogya Sanjeevani Policy Insurance in detail, take a look at the below table:

Entry Age

18 - 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

50K | 10 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your HDFC ERGO Arogya Sanjeevani Policy

With wide coverage options available, HDFC ERGO Arogya Sanjeevani Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Benefits of Arogya Sanjeevani Policy by HDFC ERGO

Below are some of the notable benefits of the Arogya Sanjeevani Policy by HDFC ERGO:-

 

Easy policy buying process

The online policy-buying process allows you to secure the mental, physical and financial well-being of you and your family from the comfort of your couch.

 

Dental treatment & plastic surgery

This plan provides the additional benefit of getting cashless and hassle-free treatment for any dental problem and plastic surgery. The only condition here is, the injury must be caused due to a disease or an accidental mishap.

 

Good customer support

The insurer provides its customers with an easy and hassle-free policy-buying and claim procedure. The 24*7 customer support is one of the impressive features that ensures that you enjoy the maximum benefits of your policy.

 

Tax benefits

All the premiums paid towards HDFC ERGO Arogya Sanjeevani Policy are eligible for tax benefits under Section 80D of the Income Tax Act.

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Bengaluru

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Kolkata

Hyderabad

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Ahmedabad

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Exclusions under Arogya Sanjeevani Policy by HDFC ERGO

This policy schedule has some exclusions that are mentioned below:

Any kind of external congenital illnesses or voluntary treatments like cosmetic/beautification/plastic surgery, etc

Investigation and evaluation purposes

Obesity/weight control/liposuction

Hazardous/adventure sports/nuclear wars, defensive attacks, etc

Breach of the law, alcoholism, drug, or substance abuse cases, etc

Unproven treatments, rest care, rehabilitation, etc

Sterility and infertility, birth control, gender change treatments, etc

Hypertension, diabetes, cardiac arrests, organ transplants, donor expenses, etc

Maternity expenses like childbirth (complicated deliveries and cesarean sections, except ectopic pregnancy), miscarriage (except an accident), and lawful medical termination of pregnancy during the policy period

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain period. Read the details below:

Pre-existing conditions 48 Months

Daycare procedures 24 Months

How to claim HDFC ERGO Arogya Sanjeevani Policy?

To avail of claim settlement services, the insured individual must follow the process below:-

  • Visit the official website of HDFC ERGO General Insurance.
  • Click on the ‘Claim’ button on the header of the official website and go to the claim process > Health insurance.
  • For claim intimation, the official website has a pre-authorized form that you can fill in with your contact number/policy number/email and ‘Proceed’
  • Individuals can call the toll-free number 022 6234 6234 or email their details to healthclaims@hdfcergo.com and get their claim settlement procedure info.
  • Reach out to PolicyX.com for further assistance.

For Reimbursement of the Arogya Sanjeevani Policy:

  • Get treatment at a networking hospital with a pre-authorization of the HDFC ERGO concerned executives
  • After receiving the authorization form, the company will verify and issue the authorized letter to the hospital
  • On the discharging day, you must verify and undersign the form against the claim of your medical or non-medical expenses.
  • You need to pay the medical expenses on your own first and attach all the necessary details of medical relevance in the claim submission form
  • Later, submit all the required documents to your insurer for claiming reimbursement for the total of your medical bills, which gets settled upon verification.

Documents to be submitted while raising a claim:

  • Completed claim form with the policyholder’s photographs
  • Doctor’s prescription for admission of treatment
  • All the original medical bills and payment receipts
  • Discharge summary and all the related details of the policyholder
  • KYC documents along with the bank’s cancelled cheque or NEFT details
  • Other documents the company asks to submit at the time of claim settlement.

Wrapping it up

Not having health insurance can sometimes drain all your emergency savings and even impact your financial stability. We often get skeptical about paying hefty premiums for a health insurance policy. This plan is the solution to your worries related to an affordable and specific health insurance policy. The Arogya Sanjeevani Policy of HDFC ERGO ensures you basic health support at a pocket-friendly premium. Additionally, it provides coverage for you and your family including daycare procedures and financial support against 12 listed treatment expenses.

Explore other HDFC ERGO Health Insurance

To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to HDFC ERGO Health Insurance plans explore more:

Women Health Insurance

My:Health Women Suraksha Policy

My:Health Women Suraksha Policy

HDFC My: Health Women Suraksha is a comprehensive policy that is designed to cater to the evolving needs of health and well-being of today's women. T...

Unique Features

  • Cancer Cover
  • Assault And Burn Cover
  • 41 Critical Illness Cover

My:Health Women Suraksha Policy (Pros)

My:Health Women Suraksha Policy
  • Lifetime renewal
  • Wellness Incentives
  • Add-On Coverage

My:Health Women Suraksha Policy (Cons)

My:Health Women Suraksha Policy
  • Obesity or weight control
  • Cosmetic surgeries
  • Maternity cover
  • Change of gender treatment

My:Health Women Suraksha Policy (Other Benefits)

My:Health Women Suraksha Policy
  • Post Diagnosis Support
  • Cancer Cover
  • Major Illness Cover
  • Surgical Procedure
  • Critical Illness Cover

My:Health Women Suraksha Policy (Eligibility Criteria)

My:Health Women Suraksha Policy
  • Entry age: 18 to 65 years
  • Sum insured: 1 Lakh to 1 Crore
  • Policy term: 1/2/3 years

Individual and Family Health Insurance

HDFC ERGO Arogya Sanjeevani Policy

HDFC ERGO Arogya Sanjeevani Policy

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides you with the precise medic...

Unique Features

  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses

HDFC ERGO Arogya Sanjeevani Policy (Pros)

HDFC ERGO Arogya Sanjeevani Policy
  • Pre and post-hospitalization
  • Doctor consultation
  • AYUSH treatment
  • Preventive health check-ups

HDFC ERGO Arogya Sanjeevani Policy (Cons)

HDFC ERGO Arogya Sanjeevani Policy
  • Maternity expenses
  • Daily hospital cash
  • Modern treatment
  • Organ donor cover

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

HDFC ERGO Arogya Sanjeevani Policy
  • Family floater cover
  • SI upto 10 Lakhs
  • Lifelong renewability

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

HDFC ERGO Arogya Sanjeevani Policy
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 65 Years
  • Si - Up to 10 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

HDFC ERGO Optima Secure Global Plan

HDFC ERGO Optima Secure Global Plan

Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclu...

Unique Features

  • India & Worldwide Coverage
  • High SI up to 2 Crores
  • Aggregate Deductible Discounts

HDFC ERGO Optima Secure Global Plan (Pros)

HDFC ERGO Optima Secure Global Plan
  • Pre and post-hospitalisation
  • Organ donor expenses
  • AYUSH treatment

HDFC ERGO Optima Secure Global Plan (Cons)

HDFC ERGO Optima Secure Global Plan
  • Modern treatment
  • Vaccination unavailable
  • Maternity and newborn baby cover
  • Cataract cover

HDFC ERGO Optima Secure Global Plan (Other Benefits)

HDFC ERGO Optima Secure Global Plan
  • E-opinion for 51 critical illnesses
  • Add-on covers
  • Overseas travel secure

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Global Plan
  • Entry age: 18 to 65 years
  • Sum insured: 1 to 2 Crore
  • Initial Waiting Period 30 Days
  • Policy Term: 1/2/3 Years

Individual and Family Health Insurance

HDFC ERGO Optima Secure Plan

HDFC ERGO Optima Secure Plan

HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you a...

Unique Features

  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses

HDFC ERGO Optima Secure Plan (Pros)

HDFC ERGO Optima Secure Plan
  • Hospital Cash Benefit
  • No Cost Instalment Option
  • Restore Benefit
  • Unlimited Restore

HDFC ERGO Optima Secure Plan (Cons)

HDFC ERGO Optima Secure Plan
  • Maternity cover NA
  • Newborn care unavailable
  • OPD cover unavailable

HDFC ERGO Optima Secure Plan (Other Benefits)

HDFC ERGO Optima Secure Plan
  • Aggregate deductible discounts
  • Disposables & consumables cover
  • Worldwide cover

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Plan
  • 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

Individual

HDFC ERGO Personal Accident Insurance

HDFC ERGO Personal Accident Insurance

Accidental deaths or injuries can be devastating, it can attack your physical, emotional, mental, and financial status to ruin your happy life moment...

Unique Features

  • Worldwide coverage
  • No pre-policy medicals
  • Lifelong renewability

HDFC ERGO Personal Accident Insurance (Pros)

HDFC ERGO Personal Accident Insurance
  • Accidental Death
  • Permanent Total Disability
  • Broken Bones
  • Burns

HDFC ERGO Personal Accident Insurance (Cons)

HDFC ERGO Personal Accident Insurance
  • Breach of law
  • Pregnancy or childbirth
  • Self-inflicted injury

HDFC ERGO Personal Accident Insurance (Other Benefits)

HDFC ERGO Personal Accident Insurance
  • Ambulance costs
  • Hospital cash
  • Lump sum payout benefit
  • Air ambulance cover

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

HDFC ERGO Personal Accident Insurance
  • Entry Age: 18 - 65 years
  • Policy Term: 1/2/3 years
  • Initial Waiting Period: None
  • Sum Insured: 20 L - 10 Cr

Critical Illness Health Insurance

iCan Cancer Insurance Plan

iCan Cancer Insurance Plan

iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during the treatme...

Unique Features

  • Key Features
  • Eligibility & Exclusions
  • iCan Cancer Plan Sample Premiums

iCan Cancer Insurance Plan (Pros)

iCan Cancer Insurance Plan
  • Cancer cover
  • In-patient hospitalization
  • Ambulance cover

iCan Cancer Insurance Plan (Cons)

iCan Cancer Insurance Plan
  • Maternity cover
  • Newborn cover
  • Organ donor cover
  • Global coverage

iCan Cancer Insurance Plan (Other Benefits)

iCan Cancer Insurance Plan
  • COVID-19 cover
  • Pre and post-hospitalization
  • ICU charges

iCan Cancer Insurance Plan (Eligibility Criteria)

iCan Cancer Insurance Plan
  • Entry age: 5 to 65 years
  • POlicy term: 1 year
  • Initial waiting period: 120 days

Individual and Family Health Insurance

My:Health Suraksha Smart Plan

My:Health Suraksha Smart Plan

HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection agai...

Unique Features

  • Key Features
  • Eligibility & Age Restrictions
  • Types of My:Health Suraksha Smart Plans

My:Health Suraksha Smart Plan (Pros)

My:Health Suraksha Smart Plan
  • Air ambulance cover
  • Recovery benefit
  • Infertility cover

My:Health Suraksha Smart Plan (Cons)

My:Health Suraksha Smart Plan
  • Vaccination cover unavailable
  • Second medical opinion not available
  • Maternity cover
  • Newborn baby cover

My:Health Suraksha Smart Plan (Other Benefits)

My:Health Suraksha Smart Plan
  • Family discount
  • Long-term policy discount
  • Loyalty discount

My:Health Suraksha Smart Plan (Eligibility Criteria)

My:Health Suraksha Smart Plan
  • Entry age: 18 years to no age limit
  • Sum insured: 3 to 75 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

Individual

HDFC ERGO Energy Diabetes Plan

HDFC ERGO Energy Diabetes Plan

HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type 2, p...

Unique Features

  • Personalized health coach option
  • Get rewards to reduce your premiums
  • Diabetes-Hypertension without waiting period

HDFC ERGO Energy Diabetes Plan (Pros)

HDFC ERGO Energy Diabetes Plan
  • Personal health coach
  • Rewards for premium discount
  • Diabetes and Hypertesion cover

HDFC ERGO Energy Diabetes Plan (Cons)

HDFC ERGO Energy Diabetes Plan
  • ICU cover unavailable
  • AYUSH treatment
  • OPD not covered
  • Domiciliary treatment unavailable

HDFC ERGO Energy Diabetes Plan (Other Benefits)

HDFC ERGO Energy Diabetes Plan
  • Organ donor cover
  • Ambulance services
  • Pre & post-hospitalization cover

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

HDFC ERGO Energy Diabetes Plan
  • Entry age: 18 to 65 years
  • Policy term: 1 year
  • Initial waiting period: 30 days
  • Sum insured: 2 to 50 L

Individual and Family Health Insurance

HDFC ERGO Health Wallet Family Floater

HDFC ERGO Health Wallet Family Floater

HDFC ERGO Health Insurance's Health Wallet plan by HDFC ERGO Health Insurance is a comprehensive health insurance plan that not only ensures your heal...

Unique Features

  • Worldwide Emergency Care
  • Avail 6% interest on un-used SI
  • Cashless Homecare treatment

HDFC ERGO Health Wallet Family Floater (Pros)

HDFC ERGO Health Wallet Family Floater
  • Inpatient and outpatient cover
  • OPD cover
  • Domiciliary hospitalization

HDFC ERGO Health Wallet Family Floater (Cons)

HDFC ERGO Health Wallet Family Floater
  • Air ambulance
  • E-consultations
  • Health check-up
  • Modern treatment cover

HDFC ERGO Health Wallet Family Floater (Other Benefits)

HDFC ERGO Health Wallet Family Floater
  • Global coverage
  • Daycare procedures
  • Health check-up
  • Vaccination charges

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

HDFC ERGO Health Wallet Family Floater
  • Entry age: 18 to 65 years
  • Initial waiting period: 30 days
  • Sum insured: 3 to 50 Lakhs
  • Policy term: 1/2/3 years

Top Up and Super Top Up

My Health Medisure Super Top Up

My Health Medisure Super Top Up

HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best medical treatment without any restricti...

Unique Features

  • Plan Specifications
  • Key Features & Benefits
  • Quick Buying And Claim Process

My Health Medisure Super Top Up (Pros)

My Health Medisure Super Top Up
  • Day care procedures
  • High sum insured
  • 6 Hours response guarantee

My Health Medisure Super Top Up (Cons)

My Health Medisure Super Top Up
  • Adventure sport injuries
  • Self-inflicted injuries
  • War

My Health Medisure Super Top Up (Other Benefits)

My Health Medisure Super Top Up
  • Deductibles offered
  • Covers family members
  • Versatile plan

My Health Medisure Super Top Up (Eligibility Criteria)

My Health Medisure Super Top Up
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 20 L

Individual and Family Health Insurance

HDFC ERGO Koti Suraksha Plan

HDFC ERGO Koti Suraksha Plan

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO Insurance Com...

Unique Features

  • High sum insured
  • Health and wellness plan
  • Emergency worldwide coverage

HDFC ERGO Koti Suraksha Plan (Pros)

HDFC ERGO Koti Suraksha Plan
  • Air ambulance
  • OPD cover
  • Domiciliary hospitalization
  • Emergency global coverage

HDFC ERGO Koti Suraksha Plan (Cons)

HDFC ERGO Koti Suraksha Plan
  • Vaccination not covered
  • Modern treatment unavailable
  • Maternity & newborn baby care unavailable

HDFC ERGO Koti Suraksha Plan (Other Benefits)

HDFC ERGO Koti Suraksha Plan
  • In-patient hospitalization
  • Daycare procedures
  • Health check-up cover

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

HDFC ERGO Koti Suraksha Plan
  • Entry age: 18 to 65 years
  • Sum insured: 50 Lakhs & 1 Crore
  • Waiting period: 30 days
  • Policy term: 1/2/3 years

Individual and Family Health Insurance

Optima Restore Plan

Optima Restore Plan

HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your family un...

Unique Features

  • Recovery benefit
  • SI restoration
  • Waiting period reduction

Optima Restore Plan (Pros)

Optima Restore Plan
  • Restore benefit
  • 2X Multiplier benefit
  • Renewal discounts

Optima Restore Plan (Cons)

Optima Restore Plan
  • AYUSH not covered
  • OPD cover unavailable
  • Global health cover

Optima Restore Plan (Other Benefits)

Optima Restore Plan
  • Recovery benefits
  • Organ donor cover
  • In-patient and out-patient hospitalization

Optima Restore Plan (Eligibility Criteria)

Optima Restore Plan
  • Entry Age: 18 - 65 Years
  • Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
  • Initial Waiting Period: 30 Days

Hdfc Ergo Arogya Sanjeevani Policy: FAQs

1. What is the total amount of sum insured for the Arogya Sanjeevani Policy?

The maximum sum insured under this plan is up to INR 10 Lakhs in the multiple of INR 50,000.

2. Is there any coverage for senior citizens under this plan?

Seniors till the age of 65 years can buy this plan and the benefits of coverage work almost the same way as an adult. However, this plan is not specifically designed for senior citizens.

3. Can I buy HDFC ERGO Arogya Sanjeevani Policy for my family?

Yes, this plan is designed for all. Either you want an individual policy for you and your family separately. Or all the family members can be covered under the same family floater plan.

4. How many members can be covered under this policy?

It also offers a family floater plan benefit so your spouse, parents/ in-laws/ children (3 months-25 years) or all can be covered under a separate or the same policy.

5. Is there any variant under HDFC’s Arogya Sanjeevani plan?

No, there is no variant of Arogya Sanjeevani’s policy of HDFC ERGO.

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.

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