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.

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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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

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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