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+
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 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 Ergo Health Insurance Plan Detailed Review
Minimum: 18 Years
Lifelong, no bar
Individual / Family Floater
1 / 2 / 3 year
3 L | 5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L
30 Days
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.
HDFC Ergo Health Insurance offers comprehensive senior citizen plans that offer high coverage options and benefits that provide a simpler life to senior citizens.
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
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
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
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
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
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:
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
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
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
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
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
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
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Yes, HDFC Senior Citizen plans offers home healthcare options for the insured life on the recommendation of your doctor.
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.
Yes, organ donor expenses are covered under HDFC Senior Citizen Plans.
Yes, policyholders can avail a 5% discount in case they purchase HDFC Senior Citizen Plan online.
Yes, policyholders can choose to pay premiums in monthly, quarterly, half-yearly or yearly installments.
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