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HDFC Plans for Family

Affordable Premiums
Comprehensive Cover
Critical Illnesses Cover

Network hospitals

12000+

Claim settlement ratio

98.49%

Sum insured

2 CR

No. of Plans

7

Solvency Ratio

1.68

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

12000+

Claim settlement ratio

98.49%

Sum insured

2 CR

No. of Plans

7

Solvency Ratio

1.68

Pan India Presence

200+

Hdfc Health Insurance Plans for Family

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

The hdfc 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.

Comprehensive

HDFC ERGO Optima Secure Policy

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

No room rent capping
100% SI restoration
E-opinion for 51 illnesses

Optima Secure Policy (Pros)

Secure Benefit
Plus Benefit
Automatic Restore Benefit
No room capping
Covid - 19 Cover

Optima Secure Policy (Cons)

Adventure Sports Injuries
Injuries Out of War
Death due to breach of law
Congenital Diseases
Alcoholism

Optima Secure Policy (Other Benefits)

Day Care Treatments
Road Ambulance Cover
Air Ambulance Cover
E-opinion
Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - No Age Limit
SI - 5 L to 2 Cr
Waiting Period - 30 Days

Comprehensive

HDFC ERGO Optima Restore Policy

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

Free health checkup
2X multiplier benefit
100% SI restoration

Optima Restore Policy (Pros)

Daily Hospital Cash
Ambulance Cover
Modern Treatment
Lifetime Renewal
Pre and Post Hospitalization

Optima Restore Policy (Cons)

No Dental Cover
No Maternity Cover
No Non-Allopathic treatment
Pre-Existing Diseases after 3 yrs
Alcoholism not covered

Optima Restore Policy (Other Benefits)

Sum Insured Enhancement
Tax Benefit
E-Opinion
10% Family Discount
7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 years
SI - 3 L to 50 L
Waiting Period - 30 Days

Flexible

HDFC ERGO my:health Suraksha

Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.

Unique Features

Fitness discounts during renewal
Room rent capping and co-pay
Loyalty discounts

my:health Suraksha (Pros)

Renewal Benefit
Wellness Benefit
Premium Payment Options
Reduced Premium Benefit
1,2,3 Years policy Period Option

my:health Suraksha (Cons)

No Return Transportation Cost
Suicidal Injuries
No Non-Allopathic treatment
Adventure Sports Injuries
Alcoholism

my:health Suraksha (Other Benefits)

Pregnancy Complications Covered
Newborn Complications Covered
Loss of Job Covered
Post Diagnosis Support
41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 75 L
Waiting Period - 30 Days

Top-Up

HDFC ERGO My:health Medisure Super Top-up

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

Constant premiums post 61 years
No medical checkup up to 55 years
5% discount on 2-year policy term

My:health Medisure Super Top-up (Pros)

In- Patient Hospitalization
High Cover at Low Premium
Post 61 Year No Premium Hike
Day Care Procedure
Pre and Post Hospitalization

My:health Medisure Super Top-up (Cons)

Treatment Of Obesity
Self Inflicted Injury
War Operations Injury
Sexsually Tranmitted Diseases
No Cosmetic Surgery

My:health Medisure Super Top-up (Other Benefits)

Free Look Period
Two Year Policy Period
Guaranteed Renewal for Life
Loading on Renewal
Individual and Floater Options

My:health Medisure Super Top-up (Eligibility Criteria)

Entry Age - 18 years
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Recommended Videos

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

Key Benefits of HDFC Health Insurance Plans for Family

Hdfc family health insurance is an essential tool to safeguard your family and offers a multitude of benefits and takes care of all medical expenses in an era of rising medical costs.

Do not rely on corporate provided plans
Most individuals shy away from purchasing a health insurance plan as they get one from employers that cover them and some of their family members. However, purchasing a health insurance plan is important as employer provided health insurance plans are active only till the time you are an employee of the company. Hence, it is essential that you invest in Hdfc health insurance plans for your family as it covers you and your family regardless of your employment.
Provide family with comprehensive coverage
Purchasing an Hdfc family health insurance offers policyholders comprehensive coverage wherein you and your family members are covered with an adequate coverage amount and can avail a multitude of benefits and features like emergency ambulance, critical illness cover, hospitalization cover, and daycare treatments.
Tax Benefits
Investing in Hdfc health insurance plans for family are eligible for income tax benefits as per the income tax act.
Critical Illness cover
Hdfc health insurance plans for family offer insurance holders critical illness coverage for listed conditions. Moreover, policyholders can avail of an e-opinion feature for 51 critical illnesses helping them avail the best course of treatment to regain their health.
Affordable premiums
Hdfc health insurance plans for a family are available at affordable prices with a bouquet of benefits providing you and your family with the right coverage and efficient medical care.

Other Family Health Insurance Companies

Star Family Health Insurance Plans

SBI Family Health Insurance Plans

Bajaj Allianz Family Health Insurance Plans

Aditya Birla Family Health Insurance Plans

ICICI Lombard Family Health Insurance Plans

New India Family Health Insurance Plans

Tata AIG Family Health Insurance Plans

HDFC Health Insurance Plans for Family Eligibility Criteria

Entry Age

Child: 91 days to 25 Years

Adult Entry Age

Adult: 18 Years
Maximum: 65 Years

Sum Insured (in Rs.)

3 L | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L

Plan Type

Individual/Family Floater

Policy Term

1/2/3 Years

Initial Waiting Period

30 Days*

Health Insurance Companies

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Know More About Health Insurance Companies

Choose HDFC Health Insurance Plan for

HDFC Health Insurance Plans for Family Inclusions

Inclusions of HDFC Health Insurance Plans for Family are listed below

Pre and Post Hospitalization

Daycare treatments

Preventive Health check-up

Air and Road Ambulance

Daily Hospital Cash

E-opinion for Critical Illness

Home Healthcare

AYUSH Treatments

HDFC Health Insurance Plans for Family Exclusions

Exclusions of HDFC Health Insurance Plans for Family are listed below

Adventure Sports Injuries that an individual gets while participating in any adventure sports

Injuries/accidents caused while being involved in any unlawful activity.

Hospitalization out of war, riot, strike, and nuclear weapons

Treatment for any congenital external disease defects or anomalies.

Treatment for drug and alcohol abuse

Explore HDFC Health Insurance

Explore other HDFC Ergo Health Insurance Plans

HDFC Ergo Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

HDFC ERGO Optima Secure Policy

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

No room rent capping
100% SI restoration
E-opinion for 51 illnesses

Optima Secure Policy (Pros)

Secure Benefit
Plus Benefit
Automatic Restore Benefit
No room capping
Covid - 19 Cover

Optima Secure Policy (Cons)

Adventure Sports Injuries
Injuries Out of War
Death due to breach of law
Congenital Diseases
Alcoholism

Optima Secure Policy (Other Benefits)

Day Care Treatments
Road Ambulance Cover
Air Ambulance Cover
E-opinion
Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - No Age Limit
SI - 5 L to 2 Cr
Waiting Period - 30 Days

Comprehensive

HDFC ERGO Optima Restore Policy

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

Free health checkup
2X multiplier benefit
100% SI restoration

Optima Restore Policy (Pros)

Daily Hospital Cash
Ambulance Cover
Modern Treatment
Lifetime Renewal
Pre and Post Hospitalization

Optima Restore Policy (Cons)

No Dental Cover
No Maternity Cover
No Non-Allopathic treatment
Pre-Existing Diseases after 3 yrs
Alcoholism not covered

Optima Restore Policy (Other Benefits)

Sum Insured Enhancement
Tax Benefit
E-Opinion
10% Family Discount
7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 years
SI - 3 L to 50 L
Waiting Period - 30 Days

Flexible

HDFC ERGO my:health Suraksha

Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.

Unique Features

Fitness discounts during renewal
Room rent capping and co-pay
Loyalty discounts

my:health Suraksha (Pros)

Renewal Benefit
Wellness Benefit
Premium Payment Options
Reduced Premium Benefit
1,2,3 Years policy Period Option

my:health Suraksha (Cons)

No Return Transportation Cost
Suicidal Injuries
No Non-Allopathic treatment
Adventure Sports Injuries
Alcoholism

my:health Suraksha (Other Benefits)

Pregnancy Complications Covered
Newborn Complications Covered
Loss of Job Covered
Post Diagnosis Support
41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 75 L
Waiting Period - 30 Days

Comprehensive

HDFC Koti Suraksha Plan

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

Free preventive health checkup
Multiple wellness services
Up to 10% of fitness discount

Koti Suraksha Plan (Pros)

Renewal Benefit
Wellness Benefit
Premium Payment Options
Reduced Premium Benefit
1,2,3 Years policy Period Option

Koti Suraksha Plan (Cons)

Infertility Treatment
No Unproven Treatments
No Dietary Supplements
No Maternity Treatments
No Cosmetic Surgery

Koti Suraksha Plan (Other Benefits)

5% Non-Medical Expense Covered
Emergency Worldwide Coverage
Aggregate Deductible
Overseas Treatment
Sum Insurance Rebound

Koti Suraksha Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 5 Cr
Waiting Period - 30 Days

Disease-specific plan

HDFC Energy Diabetes Policy

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

Stay fit & earn reward points
100% SI restoration
Health coach & wellness programs

Energy Diabetes Policy (Pros)

In- Patient Hospitalization
No Waiting Period for Diabetes
Restore Benefit
Cumulative Bonus
Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

2 Year Waiting Period
Abuse of Intoxicant Not Covered
War Operations Injury
Sexsually Tranmitted Diseases
Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

Monthly Newsletter
Organ Donor Benefit
Earn Rewards for Staying Healthy
25% Discount On Renewal
2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 2 L to 50 L
Waiting Period - 2 Years

Disease-specific plan

HDFC iCan Cancer

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

Coverage for modern treatments
Second opinions available
Coverage for follow-up care

HDFC iCan Cancer (Pros)

Ambulance Cover
Follow up care post treatment
Conventional Treatments
Hormonal Treatment
Stem Cell Transplantation

HDFC iCan Cancer (Cons)

No Non Allopathic treatments
No Prosthetic Devices
No Overseas Treatments
Pre-existing condition for Cancer

HDFC iCan Cancer (Other Benefits)

Sum Insured Enhancement
CritiCare Benefit
Family Care Benefit
Lifetime Renewal
MyCare Benefit

HDFC iCan Cancer (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5 L to 50 L
Waiting Period - 120 Days

Critical Illness

HDFC ERGO Critical Illness Policy

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

One-time lump sum payment
No medical checkup up to 45 years
Lifelong renewability

Critical Illness Policy (Pros)

In- Patient Hospitalization
High Cover at Low Premium
1 or 2 Year Policy Period
End Stage Liver Failure
No Cover ceasing age

Critical Illness Policy (Cons)

10 Lakh Fine on Wrong Claim
Tuberculosis Not Covered
PED after 48 months
Kaposi's sarcoma Not Covered
Lymphomas in brain Not Covered

Critical Illness Policy (Other Benefits)

3 Variants (Silver, Gold, Platinum)
Two Year Policy Period
Guaranteed Renewal for Life
Loading on Renewal
Individual and Floater SI Options

Critical Illness Policy (Eligibility Criteria)

Entry Age - 5 Years
Max Entry Age - 65 Years
SI - 1 L to 50 L
Waiting Period - 90 Days

Bonus-oriented health plan

HDFC ERGO Wallet Family Floater

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

Automatic SI restoration
Multiplier benefit
Free preventive health checkup

Wallet Family Floater (Pros)

Reserve Benefit
100 % Restore Benefit
Recovery Benefit
50% Increase On SI on Renewal
World Wide Coverage

Wallet Family Floater (Cons)

External Congenital diseases
Drugs Treatments
Miscarraige Not Covered
Deductibles (Optional)
No Cosmetic Surgery

Wallet Family Floater (Other Benefits)

Ambulance Cover
5 Year Policy Cover
Portability
30 Days Grace Period
Sum Insured Enhancement

Wallet Family Floater (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 3 L to 50 L
Waiting Period - 30 Days

Top-Up

HDFC ERGO My:health Medisure Super Top-up

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

Constant premiums post 61 years
No medical checkup up to 55 years
5% discount on 2-year policy term

My:health Medisure Super Top-up (Pros)

In- Patient Hospitalization
High Cover at Low Premium
Post 61 Year No Premium Hike
Day Care Procedure
Pre and Post Hospitalization

My:health Medisure Super Top-up (Cons)

Treatment Of Obesity
Self Inflicted Injury
War Operations Injury
Sexsually Tranmitted Diseases
No Cosmetic Surgery

My:health Medisure Super Top-up (Other Benefits)

Free Look Period
Two Year Policy Period
Guaranteed Renewal for Life
Loading on Renewal
Individual and Floater Options

My:health Medisure Super Top-up (Eligibility Criteria)

Entry Age - 18 years
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Women-oriented health

HDFC ERGO My:health Women Suraksha

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

Maternity complications
SI options from 3L - 1 Cr
Free preventive health checkup

My:health Women Suraksha (Pros)

AYUSH Benefit
Alternative Treatment
Organ Donor Benefit
Domiciliary Hospitalization
Pre and Post Hospitalization

My:health Women Suraksha (Cons)

Adventure Sports Injuries
No Sexsually Transmitted diseases
No Cosmetic Surgery
Alcoholism issues not covered
No Self Inflicted Injuries

My:health Women Suraksha (Other Benefits)

Parent and Child care Cover
Child Care Benefit
Vaccination
Air Ambulance
Health Coach

My:health Women Suraksha (Eligibility Criteria)

Entry Age - 18 years
Max Entry Age - Lifetime Entry
SI - 1 L to 1 Cr
Waiting Period - 30 Days

Health Insurance Articles

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HDFC Ergo Health Insurance for Family : FAQ's

1. Why should individuals invest in HDFC Health insurance plans for a family?

HDFC health insurance plans for a family are comprehensive health insurance plans that offer individuals a multitude of features and features

Affordable premiums and maximum coverage
Day care treatments
Critical Illness coverage
Road and Air ambulance
Homecare
AYUSH Treatment
Renewal Benefits
Discounts
24x7 Service
Hassle-free claim settlement and more

2. What are the sum insured options available under HDFC health insurance plans for family?

HDFC Health insurance plans for family are versatile when it comes to providing adequate health insurance to you and your family. All HDFC family health insurance offer individuals with a minimum sum insured of 3 L and goes up to 50 to 75 L.

3. Is it possible to add family members under HDFC Health insurance plans for family?

Yes, Hdfc family health insurance plans provide you with the facility of adding family members under the plan at the time of renewal or initially while purchasing the health insurance plan.

4. What are the documents required to purchase HDFC Health insurance plans for family?

Individuals need the following documents at the time of purchasing HDFC health insurance plans for family

Age Proof
Address Proof
Identity Proof

5. Are there any discounts available when purchasing Hdfc health insurance plans for family?

Yes, you can avail various discounts while purchasing HDFC Health insurance plans for family such as:

Online discounts
No claim bonus on renewal
Special discounts for healthy individuals who are non-smokers
Special loyalty discounts
Special discounts on adding 2 or more family members under the same health insurance policy

What Our Customers Have to Say

Customer Review Image

Aadhya Kapoor

Agra

October 4, 2023

I trust Policyx.com for insurance advice, and HDFC Ergo Health Insurance was the right choice for my family.

Customer Review Image

Yashika Khanna

Pune

October 4, 2023

Policyx.com s partnership with HDFC Ergo Health Insurance is a winning combination for anyone seeking quality coverage.

Customer Review Image

Vrinda Chauhan

Patna

October 4, 2023

HDFC Ergo Health Insurance, suggested by Policyx.com, offers comprehensive coverage at a reasonable price.

Customer Review Image

Vidyut Sharma

Rajkot

October 4, 2023

Policyx.com s expertise in insurance guided me towards HDFC Ergo Health Insurance, a wise investment.

Customer Review Image

Vidisha Gupta

Pune

October 4, 2023

I couldn t have chosen a better health insurance provider than HDFC Ergo, and Policyx.com led me to them.

Customer Review Image

Veer Singh

Patna

October 4, 2023

Policyx.com s services, combined with HDFC Ergo Health Insurance, have ensured our health and well-being.

Customer Review Image

Varsha Verma

Agra

October 4, 2023

Thanks to Policyx.com, I made an informed decision by choosing HDFC Ergo Health Insurance for my family.

Customer Review Image

Vaishali Sahu

Raipur

October 4, 2023

Policyx.com is where I found HDFC Ergo Health Insurance, and I ve been a satisfied customer ever since.

View All HDFC Ergo Health Insurance Reviews

Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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