HDFC ERGO Family Plans

HDFC ERGO Health Insurance Plans for Family

Family health insurance plans are a much-needed financial safety net, essential for covering the high costs of medical care in India. In case of any medical emergency, HDFC ERGO Health Insurance Plans for Family will aid policyholders in availing the best medical care instantly. With HDFC ERGO Health Insurance Plans for family, you can provide your loved ones with access to major or minor healthcare facilities. HDFC ERGO Health Insurance Plans for families are versatile, providing comprehensive coverage for all family members.

The HDFC ERGO family health insurance covers various medical expenses such as hospitalization charges, consultation fees, medicines, preventive health check-ups, AYUSH Treatments, Modern Treatments, organ donor expenses, e-opinion for critical illnesses, and more.

Key Benefits of HDFC ERGO Health Insurance Plans for Family

HDFC family health insurance is an essential tool to safeguard your family. It offers a multitude of benefits, covering all medical expenses amidst rising medical costs.

• Do Not Rely on Corporate-Provided Plans

  Most individuals shy away from purchasing a health insurance plan as they often receive one from employers that covers them and some family members. However, employer-provided health insurance plans are active only as long as you are an employee of the company. Therefore, investing in HDFC ERGO health insurance plans for your family is crucial, as they provide coverage regardless of your employment.

• Comprehensive Coverage

  Purchasing an HDFC family health insurance offers policyholders comprehensive coverage, ensuring you and your family members are covered with an adequate sum insured. It includes benefits and features like emergency ambulance, critical illness cover, hospitalization cover, and daycare treatments.

• Tax Benefits

  Investing in HDFC ERGO health insurance plans makes families eligible for income tax benefits as per the Income Tax Act.

• Critical Illness Cover

  HDFC ERGO health insurance plans for families offer critical illness coverage for listed conditions. Policyholders can also avail of an e-opinion feature for 51 critical illnesses, helping them access the best course of treatment to regain their health.

• Affordable Premiums

  HDFC ERGO health insurance plans for families are available at affordable prices, offering a bouquet of benefits that provide the right coverage and efficient medical care for you and your family.

Eligibility Criteria for HDFC ERGO Family Health Insurance Plans

Read below the sum insured options, entry age for buying the family health policy, and initial waiting period:

• Entry Age

  Child: 91 days - 25 years

  Adult: 18 - 65 years

• Sum Insured (in INR)

  3 L | 5 L | 10 L | 20 L | 50 L | 75 L

• Initial Waiting Period

  30 days

HDFC ERGO Health Insurance Plans for Family Inclusions

• Pre and Post Hospitalization Expenses
• Daycare Treatments
• Preventive Health Check-ups
• Air and Road Ambulance Cover
• Daily Hospital Cash Benefit
• E-opinion for Critical Illnesses
• Home Healthcare Services
• AYUSH Treatments

HDFC ERGO Health Insurance Plans for Family Exclusions

• Injuries sustained during participation in adventure sports.
• Injuries or accidents caused by involvement in unlawful activities.
• Hospitalization due to war, riot, strike, or nuclear weapons.
• Treatment for congenital external diseases, defects, or anomalies.
• Treatment for drug and alcohol abuse.