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Hdfc Ergo Senior Citizen Health Insurance

High Sum Insured
COVID-19 Cover
Multiplier 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 Senior Citizen Health Insurance

HDFC Ergo Senior Citizen Health Insurance is a unique health insurance designed for individuals over 60 years of age enabling them to live a happy stress-free post-retirement life. HDFC Ergo Senior Citizen Health Insurance is capable of safeguarding individuals post-retirement during any medical emergency. Senior citizens face multiple health problems with their increasing age that are usually expensive to treat and can lead to financial disruption.

HDFC Ergo Senior Citizen Health Insurance is a good choice for individuals entering the second-innings of their life post-retirement. Health Insurance for senior citizens is an essential investment. HDFC Senior Citizen Health Insurance provides coverage against pre-existing diseases, hospitalization expenses, critical illness, and even COVID-19. HDFC Ergo Senior Citizen Health Insurance has a widespread hospital network of 13,000+ across India which ensures that you get the best possible medical care.

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HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Senior Citizen Health Insurance Eligibility Criteria

Entry Age

Minimum: 18 Years

Maximum Age

Lifelong, no bar

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Sum Insured

3 L | 5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L

Initial Waiting Period*

30 Days

Key Benefits of HDFC Senior Citizen Health Insurance

HDFC Ergo Senior Citizen Health Insurance is a good investment to safeguard your hard-earned savings accumulated over the years. Health Insurance plans for senior citizens are specially designed to prevent your savings from draining in case of any medical necessity.

Cover Hospitalization Expenses : HDFC Ergo Senior Citizen Plan offers policyholders coverage against rising hospitalization costs. The plan covers all hospitalization expenses namely, ICU charges, nursing fees, and more.
Enhanced Sum Insured : HDFC Ergo Senior Citizen Health Insurance offers a feature known as the multiplier benefit that allows policyholders to avail of the enhanced sum insured i.e the sum insured grows by 50% in the next policy year if there is no claim in the first year.
Free Health Check-up : When a policyholder renews their HDFC Ergo Senior Citizen Health Insurance policy they can avail of a free health check-up within 60 days of renewing their policy.
Lifelong Renewability Benefit : Policyholders can opt for lifelong renewability option and make their HDFC Ergo Senior Citizen Health Insurance valid with break free renewals.
Avail recharged sum insured : HDFC Ergo Senior Citizen Health Insurance offers policyholders with the option of recharging the sum insured up to the base cover in case the existing health cover gets exhausted.

HDFC Senior Citizen Health Insurance Plans

HDFC Ergo Health Insurance offers comprehensive senior citizen plans that offer high coverage options and benefits that provide a simpler life to senior citizens.

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

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

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 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

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United India Health Insurance for Senior Citizen

Reliance Health Insurance for Senior Citizen

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Care Health Insurance

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HDFC ERGO Health Insurance

Apollo Munich Health Insurance

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Tata AIG Health Insurance

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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

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HDFC Senior Citizen Health Insurance Inclusions

Inclusions of HDFC Ergo Senior Citizen Health Insurance consist of:

Pre and post hospitalization expenses

Annual Health Check-up

Daycare Treatments

COVID-19 treatment

Ambulance cover

AYUSH coverage

Domiciliary Hospitalisation

HDFC Senior Citizen Health Insurance Exclusions

Exclusions of HDFC Ergo Senior Citizen Health Insurance include:

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

Intentional self-injury

AIDS

Adventure Sports Injuries

Cosmetic or obesity related surgeries

Explore HDFC Health Insurance

Explore other HDFC ERGO Health Plans

There are 9 other plans offered by the HDFC ERGO Health Insurance along with HDFC ERGO Optima Restore Health Insurance. Take a look below to explore them:

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

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

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

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 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 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

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Hdfc Ergo Senior Citizen Health Insurance: FAQs

1. Will policyholders get any home healthcare if needed under HDFC Ergo Senior Citizen Health Insurance?

Yes, HDFC Senior Citizen plans offers home healthcare options for the insured life on the recommendation of your doctor.

2. What is multiplier benefit under HDFC Ergo Senior Citizen Health Insurance Plans?

HDFC Ergo Senior Citizen Health Insurance offers a feature known as the multiplier benefit that allows policyholders to avail enhanced sum insured i.e the sum insured grows by 50% in the next policy year if there is no claim in the first year.

3. Are organ donor expenses covered under HDFC Ergo Senior Citizen Health Insurance Plans?

Yes, organ donor expenses are covered under HDFC Senior Citizen Plans.

4. Are there any discounts offered if policyholders purchase HDFC Ergo Senior Citizen Health Insurance Online?

Yes, policyholders can avail a 5% discount in case they purchase HDFC Senior Citizen Plan online.

5. Do policyholders have the option to purchase HDFC Senior Citizen Health Insurance if they choose to pay for premiums in installments?

Yes, policyholders can choose to pay premiums in monthly, quarterly, half-yearly or yearly installments.

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