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HDFC ERGO Health Insurance Plans Overview

HDFC ERGO health insurance offers 9 health insurance plans. The premium of these plans starts from Rs. 180/yr. The sum insured ranges from Rs. 7,500 - 75 Lakh. Details of the comprehensive coverage provided by the following 9 HDFC ERGO health insurance plans are listed below:

HDFC ERGO Critical Illness Platinum Plan

Starting Premium- ₹ 550/yr

This is also a critical illness health insurance plan which pays a fixed benefit on diagnosis of the covered illnesses.However, the plan covers more illnesses and has the following features

  1. 15 critical illnesses are covered under the plan
  2. The policy can be renewed lifelong
  3. The survival period can be chosen to be as low as 15 days

Eligible Age

5 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 50 Lakh

NCB

NA

HDFC ERGO Critical Illness Silver Plan

Starting Premium- ₹ 450/yr

This is a fixed benefit health insurance plan which covers a list of critical illnesses. If you are diagnosed with any of the covered illness,the plan pays the sum insured in lump sum irrespective of the medical costs that you incur.The features of the plan are as follows

  1. 8 major illnesses are covered under the plan
  2. Coverage of up to INR 50 lakhs can be taken against the covered illnesses
  3. You can choose the survival period after which the critical illness claim would be paid by the company

Eligible Age

5 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 50 Lakh

NCB

NA

HDFC ERGO Health Suraksha Gold Plan

Starting Premium- ₹ 2,908/yr

This is another variant of the HDFC ERGO Health Suraksha policy albeit with a wider scope of coverage.The features of the plan are as follows

  1. A family discount of 10% is allowed in the premium rate if two or more members are covered under the policy
  2. Coverage is available up to INR 10 lakhs
  3. There is no limit on the entry age
  4. Maternity expenses and newborn baby cover is inbuilt in the plan’s coverage features
  5. You can also get an e-opinion from the company’s team of medical experts if you suffer from a critical illness.This service would be free of cost
  6. This HDFC Ergo medical insurance plan has an optional regain benefit which refills the sum insured in case it is used up in a claim in the policy year
  7. You can also choose to enhance the no claim bonus to 10% by paying an additional premium

Eligible Age

5 years onwards

PED Waiting Period

4 years

Coverage

3 Lakh - 10 Lakh

NCB

5% increase in cover;max upto 50%

HDFC ERGO Top-up Plans

HDFC ERGO health insurance provides 2 top-up plans. The premium of these top-up plans start from Rs. 1,100/yr. The sum insured ranges from Rs. 3 Lakh - 20 Lakh. HDFC ERGO top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each HDFC ERGO top-up insurance policy below:

HDFC ERGO Health Suraksha Topup Plan

Starting Premium- ₹ 1,100/yr

This is a supplemental health insurance plan like a super top-up plan.Under this plan also the aggregate claims are considered against the deductible limit and if the total claim in a year exceeds the deductible limit, the claim is paid.The features of the plan are as follows

  1. You can buy the plan on a family floater basis also
  2. If you insure three or more family members on an individual coverage basis, you can avail a premium discount of 10%
  3. There are no sub-limits on room rents,doctor’s fee and other inpatient hospitalisation expenses
  4. Domiciliary treatments are also covered under the policy

Eligible Age

91 days - 65 years

PED Waiting Period

4 years

Coverage

3 Lakh - 10 Lakh

NCB

5% increase in cover

HDFC ERGO My Health Medisure Super Topup Insurance Plan

Starting Premium- ₹ 1,430/yr

This is a super top-up health insurance policy which has a specific deductible limit.If the total claims in a policy year exceed the deductible limit,the plan pays the excess claim.This plan can be taken to increase your sum insured.The features of the plan are as follows

  1. There are different combinations of the sum insured and deductible options to choose from
  2. The premiums remain fixed after you attain 61 years of age
  3. No capping is done on inpatient hospitalisation coverage
  4. You can buy the policy either on an individual basis or on a family floater sum insured basis
  5. Premiums are not increased on renewals even if a claim is made
  6. 5% premium discount is allowed if you buy a two-year policy

Eligible Age

91 days - 65 years

PED Waiting Period

3 years

Coverage

3 Lakh - 20 Lakh

NCB

NA

HDFC ERGO Premium Calculator

Use the HDFC ERGO health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

FAQs

If you already have existing health insurance coverage and are looking to increase it without paying expensive premiums, you can choose top-up and super top-up health insurance plans. These plans have a deductible and a sum insured. Claims above the deductible limits are paid and so the premiums are low. When you have existing coverage, you can choose a deductible matching the existing plan’s sum insured so that any excess claim would be paid by the top-up or super top-up plan

You can get numerous tax benefits when you buy a health insurance plan. These benefits are allowed under Section 80D of the Income Tax Act, 1961 and are as follows

  • Premiums paid for a plan covering you, your spouse and dependent children would be allowed as a deduction up to INR 25,000
  • If you are a senior citizen, the deduction limit would increase to INR 50,000
  • Premiums paid for a plan covering your dependent parents would be allowed as an additional deduction for up to INR 25,000
  • If your parents are senior citizens, the deduction limit would increase to INR 50,000
  • If you buy two policies, one for yourself and your family and the other for your parents, you can claim a deduction of up to INR 50,000. If you or your parents are senior citizens, the limit increases to INR 75,000. If both you and your parents are senior citizens, the limit would be INR 1 lakh

Yes, a free-look period of 15 days is allowed from the date of policy issuance under HDFC Ergo health insurance plans. During this period you can cancel the policy if you want and avail the refund of the premium paid

The claim process of HDFC Ergo health insurance plans has been explained earlier. You need to intimate the insurance company of your claim and then follow the above-mentioned steps to get the settlement of your claims faster

You can buy HDFC Ergo health insurance plans online either from the website of the company or from Turtlemint itself. When you buy through Turtlemint, you can compare HDFC Ergo’s plans with other health insurance plans and then choose the best one. The process of buying the policy has been explained earlier above

HDFC Ergo’s health insurance plans do not cover specific illnesses and treatments some of which include the following

  • Self-inflicted injuries
  • Cosmetic treatments
  • Congenital illnesses
  • HIV, AIDS and venereal diseases
  • Pre-existing conditions during the waiting period
  • Injuries suffered due to war or nuclear perils
  • Unproven or experimental treatments, etc.

There are online premium calculators offered both by HDFC Ergo as well as by Turtlemint which allows you to calculate the premium of HDFC medical insurance plans. You can enter the relevant details which affect the premium calculation and find the premium rates. These details include the following

  • Age
  • Sum insured
  • Number of members to be covered
  • Medical history
  • Pre-existing illnesses
  • Term of the plan
  • Add-ons if needed

Based on these factors, the premiums would be calculated and displayed

A health card is issued for all insured members when you buy HDFC Ergo health insurance plans. This health card is needed at the time of cashless claims as the card contains a unique customer identification number. When you are admitted to a networked hospital, you need to present the health card to avail cashless treatments. Thus, you should get a health card from HDFC Ergo health insurance

HDFC Ergo is a leading name in the general insurance segment and its health insurance plans are comprehensive plans at affordable premiums. The company offers a range of health insurance plans for your coverage needs and you can find a suitable policy easily. The plans offered by the company offer optimal coverage levels and benefits and are also light on your pockets. So, HDFC Ergo health insurance is a good choice for your health insurance needs.
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