HDFC ERGO Senior Citizen Health Insurance

HDFC ERGO Senior Citizen Health Insurance is designed for individuals over 60, offering financial protection against medical emergencies in their post-retirement years. As age advances, senior citizens often face various health issues that can be expensive to treat, leading to financial strain.

It is an essential investment for individuals in their post-retirement phase. The plan provides comprehensive coverage for pre-existing diseases, hospitalization expenses, critical illness, and COVID-19. With a widespread network of 13,000+ hospitals across India, HDFC ERGO ensures access to quality medical care.

HDFC Senior Citizen Health Insurance Eligibility Criteria

• Entry Age:

  18 years to no limit

• Initial Waiting Period:

  30 days

• Sum Insured:

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

Key Benefits of HDFC Senior Citizen Health Insurance

HDFC ERGO Senior Citizen Health Insurance is a valuable investment designed to protect your savings from being depleted by medical expenses.

• Hospitalization Expenses:

  The HDFC ERGO Senior Citizen Plan covers rising hospitalization costs, including ICU charges, nursing fees, and other related expenses.

• Enhanced Sum Insured:

  The plan includes a multiplier benefit, allowing the sum insured to increase by 50% in the subsequent policy year if no claim is made in the preceding year.

• Free Health Check-up:

  Policyholders can avail of a free health check-up within 60 days of renewing their HDFC ERGO Senior Citizen Health Insurance policy.

• Lifelong Renewability Benefit:

  The policy offers lifelong renewability, ensuring continuous coverage without breaks.

• Recharged Sum Insured:

  If the existing health cover is exhausted, policyholders have the option to recharge the sum insured up to the base cover.

HDFC Senior Citizen Health Insurance Inclusions

HDFC ERGO Senior Citizen Health Insurance includes:

• Pre and Post-Hospitalization Expenses
• Annual Health Check-up
• Daycare Treatments
• COVID-19 Treatment
• Ambulance Cover
• AYUSH Coverage
• Domiciliary Hospitalization

HDFC Senior Citizen Health Insurance Exclusions

HDFC ERGO Senior Citizen Health Insurance excludes:

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional Self-Injury
• AIDS
• Adventure Sports Injuries
• Cosmetic or Obesity-Related Surgeries