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Hdfc Ergo Senior Citizen Health Insurance
  • High Sum Insured
  • COVID-19 Cover
  • Multiplier Benefits
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Age of Eldest Member

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.

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.

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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.

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

HDFC ERGO my:health Suraksha

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts, recovery benefits

HDFC ERGO Optima Restore

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

HDFC ERGO Optima Secure

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

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 ERGO Health Insurance

Know more about HDFC ERGO Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know HDFC ERGO Health Insurance Claim Process.

Buying Process

Click to know HDFC ERGO Health Insurance Buying Process.

Contact Us

Feel free to contact HDFC ERGO Health Insurance for more details.

Renewal Process

Click here to Renew HDFC ERGO Health Policy Online

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Claim Settlement Ratio

Click here to HDFC ERGO Health Insurance Claim Settlement Ratio

Premium Calculator

Click here to HDFC ERGO Health Policy calculation premium

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

HDFC ERGO Energy Diabetes

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

Health 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

iCan Cancer Insurance

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 ERGO Koti Suraksha

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

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

  • Pregnancy & newborn complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

Health Insurance Articles

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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January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

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