HDFC ERGO Family Plans
  • Affordable Premiums
  • Key Benefits
  • Critical Illnesses Cover
HDFC ERGO Family Plans
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HDFC ERGO 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 ERGO Health Insurance Plans for family, you can provide your loved ones with any major or minor healthcare facilities. HDFC ERGO Health Insurance Plans for families are versatile and provide you with comprehensive coverage for all the 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 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, you must invest in HDFC ERGO health insurance plans for your family as they cover you and your family regardless of your employment.
  • Provide families 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 of a multitude of benefits and features like emergency ambulance, critical illness cover, hospitalization cover, and daycare treatments.
  • Tax Benefits
    Investing in HDFC ERGO health insurance plans for families who are eligible for income tax benefits as per the Income Tax Act.
  • Critical Illness cover
    HDFC ERGO health insurance plans for families 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 ERGO 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.

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 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

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

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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

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

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

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 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

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 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

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 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 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

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 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

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

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HDFC ERGO Health Insurance Family Plans: FAQs

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 families?

HDFC Health insurance plans for families are versatile when it comes to providing adequate health insurance to you and your family. All HDFC family health insurance offers 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

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.