HDFC ERGO Insurance Plans

Individual and Family Floater Plans
Disease-Specific Plans
Women-oriented health Plans

Network hospitals

12000+

Incurred claim ratio

79.04%

Sum insured

Up to 2 CR

No. of Plans

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

Solvency Ratio

1.7

Pan India Presence

200+

List of HDFC ERGO Health Insurance Plans

HDFC ERGO health insurance offers a wide variety of medical policies to its customers to meet their needs in terms of comprehensive coverage, flexibility, and affordability. Have a look at mediclaim policies offered by HDFC ERGO:

HDFC ERGO Health Insurance Individual and Family Floater Plans

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

HDFC ERGO Health Insurance Disease-Specific Plans

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

HDFC ERGO Critical Illness, Bonus-oriented health plan, Top-Up, Women-oriented health Plans

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

Choose HDFC Health Insurance Plan for

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.