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HDFC Ergo Health Insurance for Parents

Affordable Premiums
Multiplier Benefit
Tax Benefits

Network hospitals

12000+

Incurred claim ratio

79.04%

Sum insured

Up to 2 CR

No. of Plans

11

Solvency Ratio

1.7

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+

Incurred claim ratio

79.04%

Sum insured

Up to 2 CR

No. of Plans

11

Solvency Ratio

1.7

Pan India Presence

200+

HDFC Ergo Health Insurance for Parents

Health Insurance Plans are an essential part of caretaking for parents when they grow old. HDFC Ergo health insurance for parents is a comprehensive group of health insurance plans that comprises all things that are necessary in order to reduce financial stress during medical emergencies. HDFC ERGO Health Insurance for parents offer a wide range of coverage options that include cashless treatment and hospitalization at 13,000+ hospitals, daycare treatments, no room rent restriction, AYUSH cover, in-patient hospitalization, pre and post-hospitalization, etc.

HDFC Ergo health insurance for parents offers coverage against medical conditions because of old age. Health Insurance plans designed for parents provide a high sum insured and encompass beneficial features such as annual health check-ups, cashless treatment, and more, allowing them to live a stress-free life by creating a safety net for medical expenses. HDFC ERGO health insurance for parents are a vast category which keep you and your parents free of any worries.

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Key Benefits of HDFC Ergo Health Insurance for Parents

HDFC Ergo health insurance for parents consists of multiple features and benefits

Extensive Cover
HDFC Ergo health insurance for parents offers an extensive cover which includes hospitalization expenses, mental healthcare expenses, pre and post hospitalization, day care treatments, home healthcare, organ donor expenses, recovery benefits, AYUSH treatments and more.
Hassle-free claim settlement
HDFC Ergo health insurance for parents are easy to purchase and even easier to claim when the need arises. The steps for cashless claim are simple. The first step is intimation to the insurance provider by filling a pre-auth form at the network hospital, the second step is where the insurance provider intimated you the status of your application, followed by hospitalization and finally claim settlement which is done directly by the insurance provider with the hospital you availed treatment from.
Tax Benefits
Insurance holders can save tax on premiums paid for HDFC Ergo health insurance for parents as it can be claimed for tax deduction up to Rs. 50,000 as per the income tax act.
Preventive health check-ups
HDFC Ergo health insurance for parents includes preventive health check-ups under the health insurance plans. Amongst multiple features preventive health check-up is an essential one.
Affordable Health Insurance
HDFC Ergo health insurance for parents are affordable health insurance plans that allow you to benefit from a multitude of features without a heavy burden of paying premiums from your pocket. HDFC also offers the option on co-pay which allows the insurance holder to share the expenses with the insurance provider so that heavy premiums are avoided.

HDFC Ergo Health Insurance Plans for Parents

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

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

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

HDFC Ergo Health Insurance for Parents Eligibility Criteria

Entry Age

Children : 91 days to 25 years
Adult : 18 years

Adult Entry Age

Maximum: Age no bar

Sum Insured (in Rs.)

3 L | 4 L | 5 L | 6 L | 7 L | 8 L | 9 L 10 L | 15 L | 20 L | 25 L | 30 L | 40 L | 50 L | 75 L | 1 Cr | 2 Cr

Plan Type

Individual/Family Floater

Policy Term

1/2/3 Years

Initial Waiting Period

30 Days*

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New India Health Insurance

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Choose HDFC Health Insurance Plan for

HDFC Ergo Health Insurance for Parents Inclusions

The various inclusions of HDFC Ergo Health Insurance for Parents are listed below:

Hospitalization expenses

Mental Health Care

Pre and Post Hospitalization

Day care treatments

Home healthcare

Organ donor expense

AYUSH treatments

Multiplier benefit

HDFC Ergo Health Insurance for Parents Exclusions

The various exclusions of HDFC Ergo Health Insurance for Parents are listed below:

Sexually transmitted disease or HIV/ AIDS

Influence of intoxicating liquor or drugs

Suicide or attempted suicide, intentional self-injury

Congenital external diseases, defects, or anomalies

Injuries/accidents caused while being involved in any unlawful activity

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

HDFC ERGO Health Insurance Network Hospital List

HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About HDFC ERGO Network Hospital

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HDFC Ergo Health Insurance for Parents : FAQ's

1. What are the benefits of purchasing a HDFC Ergo Health Insurance Plan for Parents?

HDFC Ergo health insurance for parents offers a vast range of benefits and features that help cover your parents in the event of any medical emergency. There is extensive coverage offered with features like

Hospitalization expenses
Mental Health Care
Pre and Post Hospitalization
Day care treatments
Home healthcare
Organ donor expense
AYUSH treatments
Multiplier benefit

2. What is the eligibility criteria for HDFC Ergo health insurance for parents?

There are various plans available under HDFC Ergo health insurance for parents and the eligibility criteria varies. For some plans the entry age for children starts from 91days and the maximum entry age is 25 years while for some plans it is just 18 years. Whereas, for adults the minimum entry age is 18 years and maximum entry age is 65 years but for some plans there is no fixed upper age limit to invest in a plan.

3. Why is it necessary to invest in a health insurance plan for parents?

It is an absolute necessity to invest in a good health insurance plans for parents not only is it a moral duty but also a practical need. With rising costs of medical treatments and increasing age of your parents it is best to secure HDFC Ergo health insurance for parents as it will act as a safety net in the face of any medical emergency.

4. Are HDFC Ergo health insurance for parents eligible for tax benefits?

Yes, HDFC Ergo health insurancce for parents are eligible for tax benefits under section 80D all the premiums paid towards the health insurance plan for parents are eligible for tax deduction.

5. Why should I invest in HDFC Ergo Health Insurance for Parents?

There are several reasons listed below which indicate towards why HDFC Ergo Health Insurance for parents is a good option

Insuranceholders can avail 5% online discount on purchasing any health plan online
HDFC Ergo has a robust network of 13,000 plus network hospitals
HDFC Ergo Health Insurance for Parents offers lifelong renewability
The insurance provider offers cashless claim service
Tax savings under Section 80D of the Income Tax Act

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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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