HDFC Ergo General Insurance Company Limited is a leading name in the general insurance industry. The company has been established as a joint venture between HDFC Limited and ERGO International AG. While HDFC Limited is a leading financial services company of India, ERGO International AG is the main insurance company of the Munich Re Group. HDFC Ergo offers a range of general insurance products which meet the insurance requirements of common individuals as well as corporate entities. You can find motor insurance plans, travel insurance plans, fire insurance plans, commercial insurance plans and health insurance plans offered by HDFC Ergo. All the company’s plans provide a good scope of cover and come with competitive premiums.
HDFC ERGO general insurance review – Facts about the company
Here are some important facts about HDFC ERGO General Insurance Company –
HDFC ERGO general insurance review – Key features of HDFC ERGO general insurance plans
HDFC general insurance plans have the following salient features-
Benefits of HDFC ERGO general insurance plans
HDFC ERGO offers some of the best insurance plans. Moreover, its plans also provide you with the following benefits –
Types of HDFC ERGO general insurance plans
HDFC ERGO General Insurance Company offers different types of general insurance plans. These types of plans, and their respective policies, are mentioned below –
Health insurance plans
Health insurance plans cover the medical contingencies suffered and their financial implications. HDFC general insurance offers different types of health insurance plans that are as follows –
Eligibility conditions of HDFC ERGO my:health Suraksha Insurance – Silver Smart Plan
Entry age |
18 years onwards Dependent children can be covered from 91 days to 25 years |
Term of the plan |
1 to 3 years |
Sum insured |
INR 3 lakhs to INR 5 lakhs |
Pre-entrance health check-up |
Not required till 45 years of age and up to INR 20 lakhs sum insured |
No claim bonus |
10% increase in sum insured for each claim-free year up to a maximum of 100% |
Pre-existing waiting period |
3 years |
Eligibility conditions of HDFC ERGO my:health Suraksha Insurance – Gold Smart Plan
Entry age |
18 years onwards Dependent children can be covered from 91 days to 25 years |
Term of the plan |
1 to 3 years |
Sum insured |
INR 7.5 lakhs, INR 10 lakhs and INR 15 lakhs |
Pre-entrance health check-up |
Not required till 45 years of age and up to INR 20 lakhs sum insured |
No claim bonus |
10% increase in sum insured for each claim-free year up to a maximum of 100% |
Pre-existing waiting period |
3 years |
Eligibility conditions of HDFC ERGO my:health Suraksha Insurance – Platinum Smart Plan
Entry age |
18 years onwards Dependent children can be covered from 91 days to 25 years |
Term of the plan |
1 to 3 years |
Sum insured |
INR 7.5 lakhs, INR 10 lakhs and INR 15 lakhs |
Pre-entrance health check-up |
Not required till 45 years of age and up to INR 20 lakhs sum insured |
No claim bonus |
25% increase in sum insured for each claim-free year up to a maximum of 200% |
Pre-existing waiting period |
3 years |
Eligibility conditions of HDFC ERGO Health Suraksha Silver plan
Entry age |
18 years onwards Children aged 5 years and above can be covered if both parents are covered |
Term of the plan |
1 or 2 years |
Sum insured |
INR 3 lakhs to INR 7.5 lakhs |
Pre-entrance health check-up |
Not required until 45 years of age |
No claim bonus |
5% increase in sum insured for each claim-free year up to a maximum of 50% |
Pre-existing waiting period |
4 years |
Eligibility conditions of HDFC ERGO my:health Medisure Super Top-up Insurance Plan
Entry age |
18 years to 65 years Dependent children – 91 days to 23 years |
Term of the plan |
1 or 2 years |
Sum insured |
INR 3 lakhs to INR 20 lakhs |
Deductible limit |
INR 2 lakhs to INR 5 lakhs |
Pre-entrance health check-up |
Not required until 55 years of age |
Pre-existing waiting period |
3 years |
Eligibility conditions of HDFC ERGO Critical Illness Silver plan
Entry age |
5 years to 65 years |
Term of the plan |
1 year |
Sum insured |
INR 1 lakh to INR 50 lakhs |
Pre-entrance health check-up |
Depends on the age and sum insured selected |
Eligibility conditions of HDFC ERGO Critical Illness Platinum plan
Entry age |
5 years to 65 years |
Term of the plan |
1 year |
Sum insured |
INR 1 lakh to INR 50 lakhs |
Pre-entrance health check-up |
Depends on the age and sum insured selected |
Eligibility conditions of HDFC ERGO Health Suraksha Top-up Plan
Entry age |
5 years to 65 years Children aged 91 days and above can be covered if both parents are also covered under the policy |
Term of the plan |
1 or 2 years |
Sum insured |
INR 3 lakhs to INR 10 lakhs |
Deductible limit |
INR 2 lakhs to INR 5 lakhs |
Pre-entrance health check-up |
Not required till 55 years of age |
No claim bonus |
5% increase in sum insured after every claim-free year |
Pre-existing waiting period |
4 years |
This health plan is designed specifically the outpatient expenses that you incur on consultations, medicines and diagnostic tests. The features of the plan are as follows –
Eligibility conditions of HDFC ERGO Day2Day Care
Entry age |
91 days to 65 years Children can be covered up to 25 years of age under a floater plan |
Term of the plan |
1 or 2 years |
This is a unique health plan that covers both in-patients as well as outpatient expenses. The salient features of the plan are as follows –
Eligibility conditions of HDFC ERGO Maxima
Entry age |
91 days to 65 years |
Term of the plan |
1 year |
Sum insured |
INR 3 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
No claim bonus |
10% increase in sum insured after every claim-free year |
Pre-existing waiting period |
3 years |
This is a very popular health insurance policy that offers a complete scope of coverage under different plan variants. The main features of the plan are as follows –
Eligibility conditions of HDFC ERGO Health Easy Health Plan
Entry age |
5 years to 65 years Children aged 91 days and above can be covered if either parent is covered |
Term of the plan |
1 or 2 years |
Sum insured |
INR 2 lakhs to INR 50 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
No claim bonus |
10% increase in sum insured after every claim-free year |
Pre-existing waiting period |
3 years |
As the name suggests, this is a dengue specific health insurance plan that covers the medical costs incurred if you suffer from dengue. The features of the plan are as follows –
Eligibility conditions of HDFC ERGO Health Dengue Care
Entry age |
91 days to 65 years |
Term of the plan |
1 year |
Sum insured |
INR 50,000 and INR 1 lakh |
Pre-entrance health check-up |
Not needed |
Pre-existing waiting period |
15 days |
This is a diabetes-specific health insurance plan that provides coverage to individuals suffering from diabetes. The plan also covers diabetes-related complications. The features of the plan are as follows –
Eligibility conditions for HDFC ERGO Health Energy Plan
Entry age |
18 years to 65 years |
Term of the plan |
1 year |
Sum insured |
INR 2 lakhs to INR 50 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
Pre-existing waiting period |
2 years |
This is an indemnity oriented cancer-specific health plan which covers medical costs incurred due to cancer. The salient features of the policy are as follows –
Eligibility conditions for HDFC ERGO Health iCan Plan
Entry age |
5 years to 65 years |
Term of the plan |
1 year |
Sum insured |
INR 5 lakhs to INR 50 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
Pre-existing waiting period |
120 days |
This is a personal accident insurance policy that covers accidental deaths and disablements. The salient features of the plan are as follows –
Eligibility conditions of HDFC ERGO Health Individual Personal Accident Plan
Entry age |
91 days to 69 years |
Term of the plan |
1 year |
Sum insured |
INR 20 lakhs to INR 10 crores |
This is a unique health plan that allows you to carry forward the unutilized coverage to the next year. The salient features of the plan are as follows –
Eligibility conditions of HDFC ERGO Health Wallet
Entry age |
91 days to 65 years Children aged between 91 days to 5 years can be covered if either parent is covered |
Term of the plan |
1 year |
Sum insured |
INR 3 lakhs to INR 50 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
No claim bonus |
50% increase in sum insured after every claim-free year |
Pre-existing waiting period |
3 years |
This is a senior citizen health insurance policy that allows you to avail coverage for individuals aged 60 years and above. The salient features of the plan are as follows –
Eligibility conditions of HDFC ERGO Health Optima Senior Plan
Entry age |
61 years onwards |
Term of the plan |
1 year or 2 years |
Sum insured |
INR 2 lakhs to INR 5 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
No claim bonus |
5% discount on renewal premium |
Pre-existing waiting period |
3 years |
This is a super top-up health insurance plan that allows you to enhance existing health insurance coverage at affordable rates. The features of the plan are as follows –
Eligibility conditions of HDFC ERGO Health Optima Super Plan
Entry age |
91 days to 65 years Children aged between 91 days and 5 years can be covered if either parent is covered |
Term of the plan |
1 year to 3 years |
Sum insured |
INR 5 lakhs to INR 10 lakhs |
Deductible limit |
INR 1 lakh to INR 10 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
Pre-existing waiting period |
4 years |
This is a comprehensive health insurance plan that allows different types of coverage benefits and can be taken for self or for the whole family. The features of the plan are as follo0ws –
Eligibility conditions of HDFC ERGO Health Optima Restore Plan
Entry age |
91 days to 65 years Children aged between 91 days and 5 years can be covered if either parent is covered |
Term of the plan |
1 year or 2 years |
Sum insured |
INR 3 lakhs to INR 50 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
No claim bonus |
50% increase in sum insured after every claim-free year |
Pre-existing waiting period |
|
This is a standard health insurance policy that covers hospitalisation and the medical expenses incurred due to Coronavirus. The features of the policy are as follows –
Eligibility conditions of HDFC ERGO Corona Kavach Policy
Entry age |
18 years to 65 years Dependent children aged 1 day to 25 years can be covered under the floater plan |
Term of the plan |
3.5 months, 6.5 months or 9.5 months |
Sum insured |
INR 50,000 to INR 5 lakhs |
Pre-existing waiting period |
15 days |
This is a standard health insurance plan that was issued as per the directives of the insurance regulator. The plan provides a comprehensive scope of coverage at affordable premiums. The features of the policy are as follows –
Eligibility conditions of HDFC ERGO Arogya Sanjeevani Policy
Entry age |
91 days to 65 years Children aged 3 months to 25 years can be covered under the floater variant |
Term of the plan |
1 year |
Sum insured |
INR 1 lakh to INR 10 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
No claim bonus |
5% increase in sum insured after every claim-free year |
Pre-existing waiting period |
4 years |
This is a variant of the my:health Suraksha Silver Plan with enhanced coverage benefits. The salient features of the plan are as follows –
Eligibility conditions of HDFC ERGO my:health Suraksha Silver ECB & Rebound
Entry age |
91 days onwards Children aged between 91 days and 25 years can be covered on a floater basis |
Term of the plan |
1 year to 3 years |
Sum insured |
INR 3 lakhs to INR 50 lakhs |
Pre-entrance health check-up |
Depends on age and sum insured |
No claim bonus |
10% increase in sum insured after every claim-free year |
Pre-existing waiting period |
4 years |
This is a women-specific health insurance policy that allows coverage only to women. The salient features of the plan are as follows –
Eligibility conditions of HDFC ERGO my:health Women Suraksha Plan
Entry age |
18 years to 65 years |
Term of the plan |
1 year to 3 years |
Sum insured |
INR 1 lakh to INR 1 crore |
Pre-entrance health check-up |
Depends on age and sum insured |
Pre-existing waiting period |
4 years |
This is a super top-up health plan that allows you to enjoy higher coverage levels at affordable premium rates. The salient features of the policy are as follows –
Eligibility conditions of HDFC ERGO Health Suraksha Top-up Plus Plan
Entry age |
Children aged between 91 days and 5 years can be covered if either parent is covered under the plan |
Term of the plan |
1 year or 2 years |
Sum insured |
INR 3 lakhs to INR 10 lakhs |
Deductible limit |
INR 2 lakhs to INR 5 lakhs |
Pre-entrance health check-up |
Not required till 55 years of age |
Pre-existing waiting period |
4 years |
Life in itself has become very unpredictable in today’s time, it has picked up pace and health has taken its worst hit. Medical emergencies can take a toll on your finances anytime, that too without warning, thus leaving you and your loved ones in a lurch. So, it has become all the more necessary to give the protection of a health insurance plan to your family. Choosing the right kind of policy for the future needs of your loved ones can be a real challenge, as there is no dearth of products and companies in the market. However, HDFC ERGO brings for you the Optima Restore Insurance Plan, that can provide you with the solution you are looking for.
HDFC ERGO Optima Restore is an affordable health insurance plan designed specially to provide a comprehensive cover to you and your entire family. It secures your future by taking care of the financial burden you may face due to any medical situation and protects you from any form of financial losses because of it.
Features ofOptima Restore HDFC ERGO
Along with providing protection from any major or minor sickness, the plan offers health rewards, if the policyholder maintains good health throughout the tenure of the policy. Features like multiplier benefits and stay active benefits makes this policy stand out from the crowd of other insurance plans available.
One can choose from a wide range of sum insured options, thus fulfilling one’s own needs and requirements, starting from INR 3 lakhs to INR 50 lakhs.
No Sub-limit is imposed on choosing a room or location for taking treatment at any network hospital. Co-pay is not applicable.
The policyholder doesn’t need to pay even a single penny from his pocket in case of hospitalization or surgery. The plan provides free access to the pool of over 10,000 medical specialists in more than 4500 network hospitals across more than 800 cities.
The policyholder can avail of tax deduction under section 80D of the Income Tax Act for the premium paid.
A period of 15 days is provided to go through the term and conditions of the policy.
It is required in case the prosper is 46 years or above and is taking INR 15 lakhs or more as the sum insured.
HDFC Optima Restore offers discounts on premiums for a longer tenure of the policy and for adding more than two members to it. 7.5% discount on the 2-year policy term.
The policyholder is eligible for a 50% cumulative bonus for every claim-free year.
100% of the sum insured is automatically added in case the policyholder has utilized or exhausted the sum insured in a policy year.
HDFC ERGO Optima Plan offers an easy upgrade when the policy is renewed.
Eligibility Conditions Of HDFC Optima Restore ERGO
Type of Policy |
Individual and Family Floater Basis |
Sum Assured |
INR 3 lakhs to INR 50 lakhs |
Tenure of Policy |
1, 2 years Lifelong Renewability is available |
Age |
Minimum: 18 years Maximum: 65 years |
Waiting Period |
In the first 30 days from the policy purchase, only accidental hospitalization is admissible. |
With the ever-increasing cost of living, facing any kind of medical emergency can burn a deep hole in the pocket. To be able to afford quality healthcare without bearing any financial brunt, one must invest in a good health insurance plan. A plan that can take care of your medical expenses like surgeries, hospitalization, treatment of critical illness and expenditure on any daycare procedure.
HDFC ERGO my Health Koti Suraksha is a Single policy with Health and Personal Accident Cover. It is a comprehensive policy that offers many optional add-ons for hospital cash benefits and critical illness. This insurance plan takes care of high health care expenses, while you take care of your health and fitness. This plan offers you to take care of any medical emergency without putting a financial burden on your life-long savings, which makes it a unique plan.
Salient Features of My Health Koti Suraksha
This Plan covers hospitalization expenses incurred because of illness and injuries. It also covers the expenses of treatment for Covid-19.
It covers all your expenses of 60 days prior to admission to the hospital and post-hospitalization expenses up to 180 days. It covers the cost of the consultation. diagnostics, medicines etc.
With the medical advancements, important surgeries and treatments can be wrapped up within 24 hours. This policy covers you for the same.
Under this policy, the company offers the facility of free health check-ups within a period of 60 days of renewing my: Health Koti Suraksha policy.
My: health Koti Suraksha plan covers ambulance charges within the same city.
If the doctor recommends availing of medical facilities from the comfort of home, my: health Koti Suraksha plan covers that too.
Getting a timely organ donation can prove to be lifesaving. This policy bears the surgical expenses of taking in a major organ from the donor if the recipient is insured.
The policyholder can opt for alternative treatments like Ayurveda, Unani, Homeopathy, Siddha and still avail all the benefits of the policy as it covers hospitalization expenses for AYUSH treatment.
The policy offers lifelong renewability on break free renewals.
The policyholder gets access to health coaching services that includes physiological counselling, fitness and nutrition through a simple mobile app.
The policyholder can avail of discounts on OPD consultation, diagnostic centres and Pharmacy purchases. Prosper can also be a part of specialised programmes like pregnancy care and stress management through a mobile app.
Eligibility Conditions Of HDFC ERGO my: health Koti Suraksha
Type of Policy |
Individual and Family Floater Basis |
Sum Insured |
Multiple Sum Insured options. INR 10,000 to INR 10 Crore |
Age Limit |
Minimum Entry Age – 18 years Maximum Entry Age – 65 years |
Policy Term |
Long term policy option up to 3 years |
Renewability of the Policy |
Lifelong Renewability is available. Grace period for renewal is 30 days from the due date |
Premium Payment Option |
Monthly, Quarterly, Half-yearly, Yearly |
Waiting Period |
The general waiting period is 30 days from the purchase of the policy. |
The woman of today is less to none. She is a multitasker who can take care of her young children, ageing parents and be a support to her husband by working shoulder to shoulder with him. She can manage her home, her family and her career, successfully with a smile. But all of this has taken a toll on her health. In this race of being there for everybody, she forgets to take care of herself.
The modern way of life is believed to have put a lot of stress on the health of women, in general. It has left her vulnerable to lifestyle disorders, cardiovascular diseases, chronic illness etc. HDFC ERGO my: health Women Suraksha is a policy specially designed to cater to the needs of health insurance of today’s women.
Salient Features ofHDFC ERGO my: health Women Suraksha
It is a comprehensive policy specially designed for women and takes care of all of their specific major illnesses and surgeries. It is a policy that not only provides health insurance but also ensures the well being of women.
HDFC ERGO my health Women Suraksha policy covers all the women in a family under one single policy.
The policy provides many unique coverages like pregnancy and newborn baby complications, loss of job, reduced payment benefits etc. it covers major illnesses and procedures, right from cancer to cardiac ailments. Assault and burns are also covered under this policy.
HDFC provides many discounts on this policy. There is loyalty discount, Family discount and long term family discount, online discount, employee discount to name a few.
To encourage women to maintain good health, many features have been introduced in this policy. The insured women have access to a wellness and health coach. Features like Fitness discounts and renewal health incentives keep the women motivated to be healthy.
HDFC provides a period of 15 days to the policyholder to go through the terms and conditions of the policy.
Prosper can avail health insurance portability under this policy.
The policy gives an option to the insured person to apply for enhancement of Sum Insured at the time of renewal.
The person insured is entitled to a preventive health checkup after every renewal of the policy.
Under this policy, sum insured options ranging from INR 1 lakh to INR 5 crores.
Women have the option of choosing a plan as per their own personal needs. The plan includes- Cardiac Plan, Cancer Plan, Essential Plan, Comprehensive Plan.
Eligibility Conditions Of HDFC ERGO my: health Women Suraksha
Type of Policy |
Individual Sum Insured Basis |
Sum Insured |
Multiple Sum Insured options from INR 1 lakh to INR 5 Crores |
Age Limit |
Minimum Entry Age Limit-18 years Maximum Entry Age Limit- 65 years For Optional Pregnancy Cover- 18 years to 40 years |
Policy Term |
1 year/ 2 years/ 3 years |
Renewability of the Policy |
Lifelong Renewability is available. A grace period of 30 days for renewal of the policy, from the due date, is permissible. |
Premium Payment Option |
Monthly, Quarterly, Half-yearly, Yearly |
Waiting Period |
The general waiting period is 30 days from the purchase of the policy. |
Times have changed and so have the lifestyles. Inactive routines, unhealthy eating habits and stress has made us vulnerable to many diseases. Diseases are highly unpredictable. Some make us weak and some turn out to be fatal. It makes it necessary to give the protection of a good insurance plan to your loved ones.
One such fatal and dreaded disease is Cancer. Nobody can predict its onset, you need not have a family history to be gripped by it. This critical illness may catch you unaware. The treatment cost of Cancer is high and can eat up all your savings in no time. A good health insurance plan can help you to combat the situation and reduce stress. HDFC ERGO ican Cancer Insurance offers protection, especially against this critical disease.
Salient Features of HDFC Cancer Policy
Cancer can relapse but HDFC Cancer Insurance never gives up on you. To cover the treatment expenses, you can renew your policy lifelong.
HDFC ican Cancer Insurance Plan covers every type of cancer at all its stage.
HDFC has over 10,000 network hospitals all across the country, the policyholder just needs to use the cashless card and the treatment will start without spending a penny. The patient can opt for treatment from any licenced medical facility and claim for hassle-free reimbursement.
The ican plan covers the cost of medical treatment up to the sum insured and offers a lump sum amount to take care of other miscellaneous expenses as well.
HDFC cancer plan offers a second opinion from their panel of medical practitioners and doctors on your 1st diagnosis.
Diagnostics and treatment expenses up to 60 days before hospitalization and up to 60 days after discharge from the hospital are reimbursed.
In case of emergency, you can avail of up to INR 2000 per hospitalization as reimbursement.
Icare provides reimbursement up to INR 3000, twice a year for follow up care.
You can avail of tax benefits up to INR 25,000 under section 80D of the Income Tax Act.
If you are below 50 years of age, a medical check-up to purchase an icare policy is not a prerequisite.
This health insurance plan is designed to cover the cost of diagnosis and treatment of cancer only. No other diseases and their treatments are covered under it.
Eligibility conditions: HDFC ERGO icare Cancer Insurance Plan
Type of Policy |
Individual Sum Insured Basis |
Sum Insured |
From INR 5 lakhs to INR 50 lakhs |
Age Limit |
Minimum Entry Age Limit – 18 years Maximum Entry Age Limit – 65 years |
Renewability of the Policy |
Lifelong Renewability is available, regardless of health conditions or claims made. |
Waiting Period |
120 days from the purchase of the policy. |
HDFC ERGO Corona Kavach Policy
The novel coronavirus has shaken the world. Economies of the world have been brought to the knees. Millions of people lost their livelihoods and many lost their lives. India is amongst the worst-hit countries in the world. Corona has made lives miserable. And the chances of Covid-19 going away anytime soon, are bleak.
This virus can affect anybody, anytime. Hence it becomes very important to keep yourself and your family prepared for any medical emergency caused by Covid-19. The treatment of this virus can adversely affect your bank balance and put you under a financial burden. Buying a good Coronavirus Health Insurance policy is the wisest decision in the current situation. HDFC is a trusted name and has brought a health insurance plan called HDFC ERGO Corona Kavach Policy, that covers the treatment expenses of Covid-19 of the insured person.
Features of HDFC ERGO Corona Kavach Policy
The policy covers all the medical expenses incurred for the hospitalization of the person insured, for the treatment of Covid-19. It is mandatory to get the diagnosis done from a government authorised centre within the policy period. The policy also covers the comorbidities arising due to Covid-19, up to the sum insured.
HDFC ERGO shall indemnify all the pre-hospitalization medical expenses related to Covid-19 for a period of 15 days prior to the date of hospitalization. The policy also covers post-hospitalization expenses incurred for treatment of Covid-19 for a period of 30 days from the date of discharge from the hospital.
It implies the treatment received at home by an insured patient for coronavirus, on testing positive from a government authorised diagnostic centre maximum for a period of 14 days per incident.
The insured can avail of the Optional Benefit Cover of Hospital Daily Cash of 0.5% of the sum insured per day for every 24 hours of continuous hospitalization. This benefit is applicable for every insured person for a period of 15 days.
HDFC Corona Kavach Policy covers expenses incurred for inpatient care treatment of Covid-19 patients under Homoeopathy, Ayurveda, Siddha, Unani, Naturopathy and Yoga system of medicines during the policy period in any AYUSH hospital up to the sum insured.
The insured person can avail of treatment in any of the network hospitals without spending money. The facility of reimbursement of the expenses made is also available.
It is mandatory to take all medical treatments in India only, for the purpose of insurance.
In case of any misrepresentation, fraud, non-disclosure of material facts the company may cancel the policy, by giving 7 days written notice.
Eligibility conditions: HDFC ERGO Corona Kavach Plan
Type of Policy |
Individual basis/ Family Floater Individual basis- sum insured will apply to each member of the family, individually Floater basis- sum insured will apply to the entire family |
Sum Insured |
From INR 50,000 to INR 5 lakhs |
Age Limit |
Minimum Entry Age Limit – 18 years Maximum Entry Age Limit – 65 years Members included- Self, spouse, dependent children, parents and parents-in-law |
Tenure of the Policy |
3.5 months/ 105 days 6.5 months/ 195 days 9.5 months/ 285 days |
Waiting Period |
15 days from the policy commencement |
HDFC ERGO Arogya Sanjeevani
Life is moving so fast that it feels that we are losing control over it. Things are changing fast and happening too soon. Living at this fast pace may have benefits but it comes with its own set of problems too. Stress and fatigue are just the tip of the iceberg. And in this race, good eating habits and good health often lose the battle. Poor health and unpredictable medical emergencies are also not far behind. Taking care of the health of family members in case of any illness can take a toll on your savings. Hence, taking a health insurance policy can prove to be the best decision you may take for your loved ones.
HDFC ERGO Arogya Sanjeevani is an indemnity-based health insurance policy that offers coverage against expenses incurred for Day Care Procedures, Pre and Post Hospitalization and AYUSH Treatment. Under this policy, the insured can get up to 50% of the sum insured for advanced treatment like Stem Transplant and Robotic Surgery etc.
Features of Arogya Sanjeevani Policy HDFC ERGO
You can choose any option of the sum insured as per your needs and requirements. The company offers sum insured ranging from 1 lakh to 10 lakh rupees.
The policy offers to cover all the expenses related to hospitalization, AYUSH treatment and Daycare procedures.
The insured person can choose from Yearly, Half-yearly, Quarterly and Monthly payments of the premium of the policy without facing any financial burden.
HDFC ERGO offers a wide network of above 10,000 hospitals where the insured can get treatment as per personal convenience, without having to spend any money.
The policy covers the medical expenses incurred for inpatient treatment under Naturopathy, Homeopathy, Unani, Siddha, Yoga and Ayurveda system of medicines up to the limit of the sum insured, during the term of the policy.
The insured person can claim an amount of a maximum of 2000 rupees per hospitalization for a road ambulance.
For each claim-free year, the cumulative bonus is increased by 5% subject to a maximum of 50% of the sum insured in the ongoing policy year.
The co-payment of 5% is applicable to each and every claim under the policy and payable as per the terms and conditions of the policy.
Eligibility Conditions of HDFC ERGO Arogya Sanjeevani
Type of Policy |
Individual or Family Floater Basis |
Sum Insured |
Multiple Sum Insured options. INR 1 lakh to INR 50 lakhs |
Age Limit |
Minimum Entry Age – 18 years Maximum Entry Age – 65 years |
Policy Term |
1 year |
Renewability of the Policy |
The policy can be renewed within the grace period to maintain the continuity of the benefits without a break. |
Premium Payment Option |
Monthly/ Quarterly/ Half-yearly/ Yearly |
Waiting Period |
It lasts for a period of 30 days from the purchase of the policy. |
HDFC ERGO Health Wallet – Family
Life is moving fast. Things pass even before you realise. Stress, lifestyle disorders, poor eating habits are open invitations to medical emergencies. Critical illness can affect anybody, anytime without a warning. The skyrocketing medical bills can burn a deep hole in your pocket and put you under a lot of financial burdens. Imagine a health insurance plan that is comprehensive and offers reserve benefits.
HDFC ERGO has come up with an insurance plan, Health Wallet – Family that starts to pay for itself. It has many other offers and benefits attached to it.
Features of HDFC Health Wallet Family Plan
The plan restores the sum insured automatically in case the base amount insured and Multiplier Benefit, if any, are exhausted during the term of the policy.
The company increases the sum insured by 50% at the time of renewal, in case of a claim-free year.
HDFC health wallet helps you to keep a track of the status of your health. Irrespective of the claim made, this plan offers preventive health check-ups at the time of renewal. However, the eligibility for the same is based on the Reserve Benefits sum insured.
This feature of the policy takes care of your future needs besides covering your present. The Reserve Benefits absorb the harsh impact of healthcare costs when you reach your old age. It is so designed that it carries forward the amount left unused to the next policy year and earns you an interest of 6%.
The plan covers all the medical expenses incurred for the treatment of an insured person hospitalised for consecutive 24 hours.
If recommended by the treating medical practitioner, the insured person can receive treatment at home, for various diseases.
The policy covers treatment expenses of up to 20 lakhs, for condition or illness first manifested during the policy period while travelling abroad, in case the hospitalization or the Day Care Procedure was necessary and was done.
The premium paid for this plan helps the insured person to avail of tax benefits under section 80D of the Income Tax Act.
Under this plan, the policyholder can avail of the deductibles. The deductible option allows the policyholder to look after their medical expenses up to the pre-decided amount of deductible.
Eligibility Conditions Of HDFC ERGO Health Wallet- Family
Type of Policy |
Individual or Family Floater Basis Includes- self, spouse, dependent children, dependent parents, dependent parents-in-law A maximum of 6 members can be added to the family floater policy. |
Sum Insured |
INR 3 lakhs to INR 50 lakhs |
Age Limit |
Minimum Entry Age – 18 years Maximum Entry Age – 65 years |
Policy Term |
1 year/ 2 years/ 3 years |
Renewability of the Policy |
Lifetime Renewability is available |
Waiting Period |
30 days from the issuance of the policy |
HDFC ERGO Health Wallet- Individual
For ages, we have been advised to take care of our health. Eating healthy, exercising regularly, and maintaining a good lifestyle are supposed to be the golden rules for enjoying good health for a long. But with the fast pace of life in today’s times, health is compromised the easiest. Critical illness can invade anybody at any point in time without any warning, eating up all your life savings.
Health has become very unpredictable. So to secure your feature and to avoid any financial burden due to any medical emergency, HDFC ERGO has come up with a health insurance plan that comes with many unique coverage benefits. HDFC ERGO Health Wallet- Individual is an indemnity plan that takes care of medical expenses during hospitalization.
Salient Features Of HDFC ERGO Health Wallet
In case the base sum insured and Multiplier Benefit get used up during the policy term, the HDFC Health Wallet plan automatically restores the sum insured.
Health Wallet HDFC ERGO comes with a distinct Multiplier Benefits feature. The basic sum insured is increased by 50% at the time of renewal, in case the year is claim-free. And the most amazing part is, if no claim is made even in the 2nd year of the policy, the base sum insured is doubled.
Along with covering your present, this benefit grows continuously. This benefit absorbs the impact of medical expenses in case of any medical emergency and old age. The amount that stays unused is carried forward to the next policy year and helps you earn an interest of 6% on it.
Health check-up is offered irrespective of the claim made. The option of Preventive Health Check-up is admissible depending upon the Reserve Benefit sum insured.
Hospitalization due to any illness or injury is covered under this plan.
All the medical expenses incurred 60 days prior to the hospitalization are taken care of under the pre-hospitalization cover. Expenses incurred within 90 days of discharge from the hospital are also covered.
Surgical and medical expenses of any major organ transplant are fully covered in the health wallet plan of HDFC ERGO.
Up to 182 daycare systems are covered under this unique health insurance plan.
Ambulance cost is covered up to 2000 rupees in case you need to rush to the hospital in case of any emergency.
The policyholder can continue with this health insurance plan for the entire life on break free renewals.
You can save up to 75000 rupees, in taxable amount under this plan.
HDFC ERGO pays a lump sum of INR 10,000 for any hospitalization of 10 consecutive days or for any financial losses suffered due to the hospitalization of the policyholder.
Eligibility Conditions of HDFC ERGO Health Wallet- Individual
Type of Policy |
Individual or on the Family Floater Basis Includes- self, spouse, children who are dependent, parents, parents-in-law. Up to 6 members can be added to the family floater policy. |
Sum Insured |
INR 3 lakhs to INR 50 lakhs |
Age Limit |
Minimum Entry Age – 18 years Maximum Entry Age – 65 years |
Policy Term |
1 year or 2 years or 3 years |
Renewability of the Policy |
Lifetime Renewability |
Waiting Period |
30 days from the issuance of the policy |
HDFC ERGO Energy Policy for Diabetes
Diabetes is a common ailment of current times, suffered by many. It is a disease in which the sugar level of blood becomes too high. It occurs when the insulin is unable to extract glucose from the food. In such a case the glucose stays in the blood and doesn’t reach the cells of the body. Diabetes has no cure, the patient can only take steps to manage it. Diabetes can lead to many other health complications if not kept under control, like- heart disease, kidney disease, eye problem, dental disease, nerve damage etc
HDFC ERGO has come up with a specific insurance plan for diabetes patients. The HDFC ERGO energy plan is specially designed so that diabetes patients can take care of their diabetes and the complications related to it without putting themselves under any financial burden. This insurance plan partners you in living peacefully with diabetes without worrying about medical expenses.
Salient Features of HDFC Energy Plan
HDFC ERGO motivates and encourages you to take care of your health and rewards you if you stay healthy. You can earn reward points if you manage your health well. These points can get you a renewal premium discount of 25%. Wellness Programs and the availability of a health coach help you look after yourself well.
The plan covers all the medical expenses of hospitalization due to diabetes or hypertension, from the very first day.
Incentives are given for staying healthy, provided critical health parameters show good condition in medical tests. The parameters taken into consideration are BMI, BP, cholesterol etc.
With this energy plan, you need not worry about facing the sum insured shortage. The policy has a feature of sum insured rebound, that can get you an additional 100% necessary sum insured to your cover, on the first claim of yours.
Hospitalization expenses incurred for the treatment of illness or injury is covered under this plan.
To reduce the premium of the policy the policyholder can opt for a co-payment clause option of 20% of your policy purchase.
HDFC ERGO offers a free look period of 15 days. If the policyholder is not satisfied with the terms and conditions of the policy, can choose to cancel it.
The insured can save up to rupees 75,000 tax with the HDFC ERGO energy plan.
The plan comes with two different variants
Eligibility Conditions Of HDFC ERGO Energy Policy for Diabetes
Type of Policy |
Individual |
Age Limit |
Minimum Entry Age – 18 years Maximum Entry Age – 65 years The people suffering from Type1, Type2 diabetes, Mellitus, IFG, IGT or Hypertension |
Renewability of the Policy |
Lifetime Renewability |
Waiting Period |
No waiting period for complications arising out of Diabetes and Hypertension. 2 years from the issuance of the policy for pre-existing diseases other than diabetes and hypertension. |
Renewability |
Lifelong renewability on break free renewals |
Coverage and exclusions under HDFC Ergo health insurance plans
Now that you know the different policies offered by HDFC Ergo, let’s have a look at the coverage benefits and exclusions which are common to the above-mentioned health insurance plans –
How to make a claim in HDFC ERGO health insurance plans?
Claims under HDFC Ergo health insurance plans occur when you or your insured family member faces a medical emergency and is hospitalised. In the case of claims, the following steps should be taken –
Alternatively, if you buy your policy through Turtlemint, you do not have to take the above-mentioned steps. You just have to inform Turtlemint at 1800 266 0101 or claims@turtlemint.com and the company would take up your claim. Turtlemint would coordinate with HDFC Ergo, follow the claim procedure and get your claim settled at the earliest.
Motor insurance
Motor insurance plans cover private or commercial vehicles against damages suffered. Moreover, the mandatory third party coverage provides coverage against third party liabilities suffered due to the vehicle.
Motor insurance plans include car insurance plans, bike insurance plans as well as plans covering goods carrying vehicles and tractors. HDFC ERGO offers different types of motor insurance plans that are discussed below –
Car insurance plans cover cars, both private and commercial. HDFC ERGO offers the following types of car insurance policies –
Type of policy |
Meaning |
Single Year Comprehensive Plan |
This plan provides both third parties and own damage cover to the car for a period of one year |
Third-Party Cover |
This is a standalone third-party liability insurance policy. The cover is granted for one year |
Stand Alone Own Damage Cover |
This policy provides coverage only for the damages suffered by the insured car. Third-party liability coverage is not allowed under the plan. The policy is issued for a period of one year |
Cover for Brand New Cars |
This is a bundled car insurance policy available for only new cars. Under the plan, third party liability coverage is allowed for 3 years while own damage cover is allowed for one year |
Two-wheeler insurance plans allow coverage to two-wheelers like bikes, scooters, etc. HDFC ERGO offers different types of two-wheeler insurance plans which are described below –
Type of policy |
Meaning |
Multi-Year Comprehensive Two Wheeler Insurance |
This is a comprehensive package policy that allows coverage for both third party and own damages. You are given the option to buy the policy for a period of 1 to 3 years |
Third-Party Cover |
This is a standalone third-party liability policy that is offered for a period of one year |
Stand Alone Own Damage Cover |
This is a standalone own damage policy that covers only the damages suffered by the two-wheeler. Third-party coverage is not allowed. The policy is issued for one year only if you already have a valid third party cover on the two-wheeler |
Cover for Brand New Bikes |
This is a bundled policy that offers 5-year third party cover and one year own damage cover. The policy is available only for new bikes |
Besides car and bike insurance plans, HDFC ERGO also offers the following policies –
Inclusions and exclusions under HDFC ERGO motor insurance plans
Here are the coverage and exclusions of HDFC ERGO motor insurance plans –
Coverage
Exclusions
How to make claims under HDFC ERGO motor insurance plans?
In case of damages suffered that are covered under the motor insurance policy, there is a claim. To get the settlement of the claim, the following process should be followed –
You can also use Turtlemint’s help to get your claims settled. Turtlemint has a dedicated claim-handling department that follows the claim process on your behalf and helps you get your claims settled at the earliest. You can call 1800 266 0101 or write an email to support@turtlemint.com and get assistance in claim settlement.
Travel insurance
Travel insurance plans are those that cover the financial risks faced when you are travelling. HDFC ERGO offers different types of travel insurance plans depending on the purpose of travel and also on the destination travelled.
The list of travel insurance plans offered by HDFC ERGO General Insurance Company is as follows –
Travel insurance plans |
Brief Description |
HDFC ERGO Easy Travel Plan |
The policy covers leisure as well as business travel taken to an international location. The plan comes in different variants of Platinum, Gold, Silver, Bronze and Asian region. The sum insured starts from USD 25,000 and goes up to USD 500,000 |
HDFC ERGO Health EduCare Plan |
This is a student travel insurance plan designed for students travelling overseas for higher education. The plan comes in four variants of Platinum, Gold, Silver and Bronze. The sum insured ranges from USD 50,000 to USD 500,000 |
HDFC ERGO Travel Insurance |
This is an international travel insurance policy with four different variants – Titanium, Platinum, Gold and Silver. You can buy the policy on a single trip basis or on an annual multi-trip basis |
HDFC ERGO Student Suraksha |
This is a policy for students who travel abroad for higher education. Coverage starts from 30 days and can be taken for up to 2 years. There are five coverage variants and the sum insured goes up to USD 500,000 |
Home insurance
Home insurance plans cover your home and its contents against damages and theft. Damages due to man-made and natural calamities are covered by HDFC ERGO home insurance plans. Moreover, there are four types of policies under this category. These are as follows –
Commercial insurance
Commercial insurance plans are those that are offered to corporates and organizations for the risks suffered by them. HDFC ERGO General Insurance offers a range of commercial insurance plans some of which include the following –
Rural Insurance
Rural insurance plans are those that are developed for the insurance needs of the rural population. HDFC ERGO offers three types of rural insurance plans that are as follows –
How to buy HDFC Ergo general insurance plans?
You can buy HDFC Ergo general insurance plans online through the company’s website or through Turtlemint. While the company’s website would allow you to buy the plan that you want, on Turtlemint you would be given a choice of similar insurance plans for comparison. This comparison would allow you to compare the coverage benefits of different plans and then select the plan which has the best features without taxing your pockets.
To buy through Turtlemint, you should take the following steps –
Things to consider before buying HDFC Ergo general insurance policies
Before you buy an HDFC Ergo insurance policy, the following points should be kept in mind –
How to renew HDFC Ergo general insurance plans?
General insurance plans allow uninterrupted coverage if you renew them on time. To renew the policy, you can visit HDFC Ergo’s official website https://www.hdfcergo.com/ and choose ‘Renew’. Then provide your policy details, pay the renewal premium and the policy would be renewed online.
If you have bought the policy from Turtlemint, you can log into your online Turtlemint account, choose the policy and click on ‘Renew’. Renewal would be done instantly when you pay the renewal premiums online.
How to calculate premiums for HDFC ERGO general insurance plans?
HDFC ERGO offers online premium calculators for its general insurance plans. You can use such calculators to calculate the premium amount. To use the calculator, you would have to provide various inputs that affect the coverage and the premium. For example, if you are buying health insurance plans, you would have to provide –
If, on the other hand, you want to find the premium of motor insurance plans, you would have to provide –
Thus, the premium can be calculated online by providing the necessary details into HDFC ERGO’s premium calculator.
Turtlemint also offers online premium calculators using which you can calculate the premium of HDFC ERGO general insurance policies. Moreover, Turtlemint’s calculator also calculates the premiums of other similar plans offered by other insurance companies so that you can compare and then buy.
You can, therefore, use HDFC ERGO’s or Turtlemint’s premium calculators for premium calculation.
HDFC Ergo general insurance review
HDFC Ergo is a reputed brand name and it offers a range of varied general insurance plans. Given the variety of insurance plans, HDFC Ergo insurance policies are quite suitable for individuals with different coverage needs. The premiums are also low and the coverage levels are optimal enough to meet the financial losses. So, if you are looking for a suitable insurance policy with the smooth claim settlement process, you can choose from HDFC Ergo’s list of insurance plans.
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 –
Yes, a free-look period is allowed under many HDFC ERGO general insurance plans. This period is allowed from the date of policy issuance. During this period, you can cancel the policy if you want and avail the refund of the premium paid.
You would have to fill up a proposal form and submit it along with your KYC documents. Moreover, depending on the policy that you are buying, additional documents might be needed. For example, for motor insurance plans, the copy of the RC book, your driving license, invoice of the vehicle, etc. might be needed. Similarly, for travel insurance plans you might need to provide the company with the proof of travel.
HDFC ERGO offers add-ons or policy extensions under most of its general insurance plans. These add-ons are optional coverage benefits that are available at an additional cost. So, yes, if you choose add-ons in your coverage, the premium would increase.
HDFC ERGO allows different modes of contacts using which you can contact the company easily. These modes are as follows –