HDFC ERGO General Insurance Company Limited

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 – 

1. The company is spread across more than 170 cities of India with 200+ branches and 7000+ employees working for it
2. ICRA has conferred the company with a rating of ‘iAAA’ because of the high claim settlement record that the company has
3. The company also enjoys ISO certification for its efficient services in customer service, policy issuance, technological developments, etc.
4. The company has won various awards over the years since it was established.
5. More than 1.5 crore HDFC general insurance plans have the following salient features- crore customers are currently being served by HDFC ERGO general insurance plans

HDFC ERGO general insurance review – Key features of HDFC ERGO general insurance plans

HDFC general insurance plans have the following salient features-

1. A range of health insurance policies is issued by the company. You can buy both indemnity-oriented plans and fixed benefit plans for your coverage needs. Moreover, there are COVID specific plans too that are offered by the company
2. HDFC general insurance plans offer a complete scope of coverage at affordable premium rates
3. You can get 24*7 assistance for any query, complaint or feedback that you have
4. HDFC ERGO’s plans are transparent in nature with no hidden clauses
5. Claims under HDFC ERGO general insurance plans are settled in a smooth and hassle-free manner in the shortest possible time

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 –

1. The company offers you round the clock assistance for your grievances and product-related queries
2. 90% of the pre-authorised cashless claims which are made under HDFC ERGO health insurance plans are approved by the company within 20 minutes. This ensures that your claim settlement is easy and quick
3. Many HDFC ERGO general insurance policies are issued online without the need of lengthy paperwork. This makes buying the policies an easy affair
4. The company has a network of more than 10,000 hospitals and 7400+ garages across India to cater to cashless claim settlements
5. Under its car insurance plans, you can avail overnight repair services
6. Commercial insurance plans offered by the company provide complete business insurance solutions to organizations

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 –

1. HDFC ERGO my:health Suraksha Insurance Silver Smart Plan
   This is an indemnity health insurance plan which allows affordable coverage levels and covers the medical costs that you actually incur. The salient features of the plan are as follows:
1. The plan can be bought by individuals, by families and also by senior citizens
2. There is no sub-limit on the room rent
3. The sum insured is reinstated if your base sum insured is used up in a policy year
4. In-home treatments can also be taken on a cashless basis
5. Mental illnesses are also covered under the plan
6. Optional covers are also available with the plan for a more inclusive scope of coverage

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

2. HDFC ERGO my:health Suraksha Insurance Gold Smart Plan
   This is a more comprehensive version of the Silver Smart Plan. The plan also covers actual medical expenses and comes with a range of add-on covers. The salient features of the plan are as follows –
1. Air ambulance cover is available under the plan for up to INR 2 lakhs
2. You get a lump sum recovery benefit if you are hospitalised for 10 or more days
3. Free annual health check-ups are allowed under the plan
4. Maternity cover can be taken as an optional cover by paying an additional premium
5. Critical illness and hospital cash benefit add-ons can be taken under the policy

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

3. HDFC ERGO my:health Suraksha Insurance – Platinum Smart Plan
   This is the most premium cover under the HDFC ERGO my:health Suraksha health insurance plans. The plan provides coverage for almost all types of medical expenses as well as options for policy extensions and riders. The salient features of the policy are as follows –
1. There is no limit on the entry age. Individuals of all ages can buy the plan
2. Coverage up to INR 75 lakhs can be taken under this variant
3. Both road and air ambulance cover is available under the plan
4. The sum insured is refilled if it is exhausted on previous claims in the same policy year
5. Coverage for infertility treatments can be taken as an optional benefit
6. There are premium discounts for adding two or more family members and also for buying more than one policy from HDFC ERGO

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

4. HDFC ERGO Health Suraksha Silver Plan
   This is a simple health insurance plan which offers affordable coverage and has the following salient features –
1. Inpatient hospitalisation has no sub-limits on room rent or other expenses
2. A no claim bonus of 5% is allowed for each claim-free year
3. You can buy the policy at any age as there is no limit on entry age
4. The policy can be taken on an individual or floater sum insured basis
5. 10% premium discount is allowed if two or more family members are covered under the plan on individual sum insured basis
6. Coverage is also available for non-allopathic AYUSH treatments
7. Free health check-ups are allowed once after every four claim-free 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

5. HDFC ERGO my:health Medisure Super Top-up Insurance plan
   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

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

6. HDFC ERGO Critical Illness Silver Plan
   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

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

7. HDFC ERGO Critical Illness Platinum Plan
   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

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

8. HDFC ERGO Health Suraksha Top-up Plan
   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

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

9. HDFC ERGO Day2Day Care

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 –

1. The plan can be taken on an individual or family floater basis
2. Both general and specialist consultations are covered
3. There is no waiting period and OPD expenses are covered from the first day itself
4. 100% cashless settlement is available at the networked hospitals

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

10. HDFC ERGO Maxima

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 –

1. Coverage for doctor’s consultations, pharmacy, diagnostic tests, health check-ups, etc. are available on an outpatient basis
2. You can avail outpatient coverage for your pre-existing illnesses too
3. A range of inpatient coverage benefits are also available
4. There is an option of adding the critical illness cover for making the plan comprehensive

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

11. HDFC ERGO Health Easy Health Plan 

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 –

1. Both individual and family floater variants of the plan are available
2. The plan comes in three different variants of Standard, Exclusive and Premium
3. Critical illness rider is an optional cover under the plan
4. OPD coverage is available under the Premium variant 

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

12. HDFC ERGO Health Dengue Care Plan 

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 –

1. No pre-entrance health check-ups are needed to buy the policy
2. The premium is a flat amount irrespective of your age. It depends on the sum insured selected
3. Coverage for both inpatient and outpatient expenses is allowed if you suffer from dengue
4. There is only a waiting period of 15 days before coverage is allowed

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

13. HDFC ERGO Health Energy Plan 

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 –

1. Both Type 1 and 2 diabetes is covered under the plan
2. The plan allows a personalized health coach and wellness program to monitor your health continuously
3. No pre-existing waiting period is applicable for the coverage of illnesses resulting from diabetes or hypertension
4. Reward points are allowed for healthy living which helps you reduce your premium

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

14. HDFC ERGO Health iCan Plan 

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 –

1. Two plan variants of Essential and Enhance are available
2. Criticare and Familycare benefits can be added as optional coverage benefits under the Enhance variant
3. Chemotherapy and radiotherapy are also covered

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

15. HDFC ERGO Health Individual Personal Accident Plan 

This is a personal accident insurance policy that covers accidental deaths and disablements. The salient features of the plan are as follows –

1. Coverage for accidental inpatient hospitalisation is available along with the benefit of sum insured restoration
2. OPD expenses incurred due to an accident are also covered
3. Coverage for adventure sports is allowed
4. The plan provides a comprehensive scope of coverage with a range of coverage benefits

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

16. HDFC ERGO Health Wallet Plan 

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 –

1. The Reserve Benefit carries forward the unused coverage and also allows the additional interest of 6% on the carried forward balance
2. Restore Benefit restores the sum insured is exhausted
3. Preventive health check-ups are allowed

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

17. HDFC ERGO Health Optima Senior Plan 

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 –

1. The premium is not increased due to previous claims in the policy
2. Medical e-opinion is available in case of critical illnesses
3. There is no limit on the maximum entry age

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

18. HDFC ERGO Health Optima Super Plan 

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 –

1. You can switch your plan to a nil deductible policy on the renewal date and enjoy coverage without any deductible limit
2. Day care and organ donor treatments are covered

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

19. HDFC ERGO Health Optima Restore 

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 –

1. The Stay Active feature of the plan allows premium discounts if you walk a specified number of steps during the policy tenure
2. The plan allows sum insured restoration if the coverage is exhausted on a previous claim
3. The sum insured is doubled up after two successive claim-free years
4. There are no sub-limits on room rent

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	years

20. HDFC ERGO Corona Kavach Policy 

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 –

1. Home treatment expenses are covered
2. There are no sub-limits or deductibles under the plan
3. Coverage is allowed for consumables as well as for any other expenses incurred on COVID hospitalisation

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

21. HDFC ERGO Arogya Sanjeevani Policy 

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 –

1. Premiums can be paid in instalments
2. Dental and plastic surgery due to an accident are covered
3. Coverage is allowed for AYUSH treatments
4. Advanced medical treatments are also covered by the plan

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

22. HDFC ERGO my:health Suraksha Silver ECB & Rebound 

This is a variant of the my:health Suraksha Silver Plan with enhanced coverage benefits. The salient features of the plan are as follows –

1. There is no capping on the room rent
2. The plan allows attractive premium discounts that make the policy affordable 
3. Mental healthcare expenses are covered by the policy
4. The sum insured is restored if it is exhausted in a policy year on previous claims

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

23. HDFC ERGO my:health Women Suraksha Plan 

This is a women-specific health insurance policy that allows coverage only to women. The salient features of the plan are as follows – 

1. Different types of plans are offered under this policy and each coverage allows coverage for women-centric illnesses and diseases
2. All women in the family can be covered under a single plan
3. A range of optional coverage benefits are also allowed by the plan

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

24. HDFC ERGO Health Suraksha Top-up Plus Plan 

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 –

1. There are no sub-limits on room rent or any other diseases
2. Domiciliary treatments have been covered the plan
3. Attractive premium discounts are available

Eligibility conditions of HDFC ERGO Health Suraksha Top-up Plus Plan 

Entry age	years to 65 years 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

25. HDFC ERGO Optima Restore

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

• Unique Health Rewards

  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.

• Choice of Sum Insured 

  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

  No Sub-limit is imposed on choosing a room or location for taking treatment at any network hospital. Co-pay is not applicable.

• Cashless Facility

  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.

• Tax Benefits

  The policyholder can avail of tax deduction under section 80D of the Income Tax Act for the premium paid.

• Free Look Period

  A period of 15 days is provided to go through the term and conditions of the policy.

• Pre Policy Checkup

  It is required in case the prosper is 46 years or above and is taking INR 15 lakhs or more as the sum insured.

• Discounts Offered

  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.

• No Claim Benefits

  The policyholder is eligible for a 50% cumulative bonus for every claim-free year.

• Restore Benefits

  100% of the sum insured is automatically added in case the policyholder has utilized or exhausted the sum insured in a policy year.

• Easy Upgrade

  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.

26. HDFC ERGO my: Health Koti Suraksha

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

• Hospitalization

  This Plan covers hospitalization expenses incurred because of illness and injuries. It also covers the expenses of treatment for Covid-19.

• Pre and Post Hospitalization

  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.

• Unlimited Day Care Treatments

  With the medical advancements, important surgeries and treatments can be wrapped up within 24 hours. This policy covers you for the same.

• Preventive Health Check-up

  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.

• Road Ambulance

  My: health Koti Suraksha plan covers ambulance charges within the same city.

• Home Healthcare 

  If the doctor recommends availing of medical facilities from the comfort of home, my: health Koti Suraksha plan covers that too.

• Organ Donor Expenses

  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.

• Alternative Treatments

  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.

• Lifelong Renewability

  The policy offers lifelong renewability on break free renewals.

• Multiple Discounts
  • A Long Term Plan can save you up to 10%.
  • Family Discount of 10% if 2 or more members buy the policy on an individual sum insured basis.
  • Fitness Discount Of 10% at the time of renewal.
• Health Coach

  The policyholder gets access to health coaching services that includes physiological counselling, fitness and nutrition through a simple mobile app.

• Wellness Services

  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.

27. HDFC ERGO my: health Women Suraksha

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

• Comprehensive Policy

  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.

• Single Policy

  HDFC ERGO my health Women Suraksha policy covers all the women in a family under one single policy.

• Coverage

  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.

• Discounts

  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.

• Wellness Features

  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.

• Free Look Period

  HDFC provides a period of 15 days to the policyholder to go through the terms and conditions of the policy.

• Portability 

  Prosper can avail health insurance portability under this policy.

• Sum Insured Enhancement

  The policy gives an option to the insured person to apply for enhancement of Sum Insured at the time of renewal.

• Preventive Health Checkup

  The person insured is entitled to a preventive health checkup after every renewal of the policy.

• Multiple Sum Insured Options

  Under this policy, sum insured options ranging from INR 1 lakh to INR 5 crores.

• Multiple Plans to Choose From

  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.

28. HDFC ERGO ican Cancer Insurance

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

• Lifelong Renewals

  Cancer can relapse but HDFC Cancer Insurance never gives up on you. To cover the treatment expenses, you can renew your policy lifelong.

• Coverage of All Stages of Cancer

  HDFC ican Cancer Insurance Plan covers every type of cancer at all its stage. 

• Cashless Treatment

  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.

• Lump-Sum Payout

  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. 

• Benefits Offered
  • My Care Benefits– icare provides complete cover from conventional to advanced treatment of the disease. It covers stem transplant to chemotherapy, from in-patient to out-patient treatment expenses. 
  • CritiCare Benefits– Lump sum payment of an additional 60% is made for cancer of specific severity.
  • Family Care Benefits– In case cancer diagnosed is at stage IV or if cancer recurs, 100% of the sum insured is paid in a lump sum.
• Second Opinion

  HDFC cancer plan offers a second opinion from their panel of medical practitioners and doctors on your 1st diagnosis.

• Pre-hospitalization and Post-hospitalization Cover

  Diagnostics and treatment expenses up to 60 days before hospitalization and up to 60 days after discharge from the hospital are reimbursed. 

• Emergency Ambulance

  In case of emergency, you can avail of up to INR 2000 per hospitalization as reimbursement.

• Follow-up Care

  Icare provides reimbursement up to INR 3000, twice a year for follow up care.

• Tax Benefits

  You can avail of tax benefits up to INR 25,000 under section 80D of the Income Tax Act.

• Pre-Policy Medical Check-up

  If you are below 50 years of age, a medical check-up to purchase an icare policy is not a prerequisite.

• Non-Cancer Treatment

  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

• Covid Hospitalization Cover

  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.

• Pre-hospitalization and Post-hospitalization

  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.

• Home Care Treatment

  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. 

• Optional Cover

  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. 

• AYUSH Treatment

  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.

• Cashless Treatment

  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. 

• Territorial Limit

  It is mandatory to take all medical treatments in India only, for the purpose of insurance.

• Policy Cancellation

  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

• Many Options of Sum Insured

  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.

• Comprehensive Policy

  The policy offers to cover all the expenses related to hospitalization, AYUSH treatment and Daycare procedures. 

• Pocket-Friendly Premium Payment

  The insured person can choose from Yearly, Half-yearly, Quarterly and Monthly payments of the premium of the policy without facing any financial burden.

• Wide Network

  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.

• AYUSH Treatment

  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. 

• Hospitalization
  • Expenses like boarding, room rent, nursing as provided by the nursing home/ hospital are up to 2% of the sum insured subject to a maximum amount of INR 5000/- per day.
  • Expenses incurred for ICU and ICCU are up to 5% of the sum insured subject to a maximum amount of INR 10000/- per day.
  • Pre-Hospitalization includes medical expenses incurred, for a period of 30 days prior to the date of admission to the hospital.
  • Post-Hospitalization includes medical expenses incurred, for a period of 60 days after the date of discharge from the hospital.
• Road Ambulance

  The insured person can claim an amount of a maximum of 2000 rupees per hospitalization for a road ambulance.

• Cumulative Bonus

  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.

• Co-payment

  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

• Sum Insured is Restored

  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.

• Multiplier Benefits

  The company increases the sum insured by 50% at the time of renewal, in case of a claim-free year.

• Preventive Health Check-ups

  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.

• Reserve Benefits

  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%.

• Inpatient Treatment

  The plan covers all the medical expenses incurred for the treatment of an insured person hospitalised for consecutive 24 hours.

• Waiting Periods
  • A few treatments and illnesses are covered only after 24 months of the issuance of the policy.
  • The accepted and/ or declared pre-existing conditions are covered after 3 years of continuous renewals.
  • For the first 30 days, only the accidental hospitalization shall be accepted.
• Cashless Cover

  If recommended by the treating medical practitioner, the insured person can receive treatment at home, for various diseases.

• Worldwide Emergency Cover

  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.

• Tax Benefits

  The premium paid for this plan helps the insured person to avail of tax benefits under section 80D of the Income Tax Act.

• Deductible Option

  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

• Restoring The Sum insured

  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.

• Multiplier Benefits

  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.

• Reserve Benefit

  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.

• Preventive Health Check-ups

  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 Expenses

  Hospitalization due to any illness or injury is covered under this plan.

• Pre-Hospitalization and Post-Hospitalization

  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.

• Organ Donor Expense

  Surgical and medical expenses of any major organ transplant are fully covered in the health wallet plan of HDFC ERGO.

• Day Care Procedures

  Up to 182 daycare systems are covered under this unique health insurance plan.

• Road Ambulance

  Ambulance cost is covered up to 2000 rupees in case you need to rush to the hospital in case of any emergency. 

• Lifelong Renewability

  The policyholder can continue with this health insurance plan for the entire life on break free renewals.

• Tax Saving

  You can save up to 75000 rupees, in taxable amount under this plan.

• Recovery Benefit

  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

• Active Wellness Program

  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. 

• No Waiting Period

  The plan covers all the medical expenses of hospitalization due to diabetes or hypertension, from the very first day.

• Reward Bucket

  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.

• Sum Insured is Restored

  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

  Hospitalization expenses incurred for the treatment of illness or injury is covered under this plan.

• Co-Payment Clause

  To reduce the premium of the policy the policyholder can opt for a co-payment clause option of 20% of your policy purchase.

• Free Look Period

  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.

• Tax Saving

  The insured can save up to rupees 75,000 tax with the HDFC ERGO energy plan.

• Availability of Two Variants

  The plan comes with two different variants

  1. Gold Variant- it includes the cost of a wellness test.
  2. Silver Variant- It does not include the cost of the wellness test. 

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 –

1. Coverage benefits
   1. Inpatient hospitalisation expenses which include the cost of room rent, doctor’s fee, nurse’s fee, treatment costs, etc.
   2. Pre hospitalisation expenses
   3. Post hospitalisation expenses
   4. Daycare treatments
   5. Cost of road ambulance
   6. Domiciliary treatments which are taken at your home
   7. Organ donor treatments where the cost of harvesting the organ is covered
   8. Free health check-ups at specified intervals during the policy
2. Exclusions
   1. Pre-existing illnesses are not covered from the start of the policy. They are covered after a specified waiting period
   2. Illnesses incurred within the first 60 to 90 days of buying the policy are not covered
   3. Pregnancy-related costs and expenses are not covered unless they are specifically included in the plan’s coverage benefits
   4. Cosmetic treatments, LASIK surgery, dental treatments, etc. are not covered
   5. Unproven and experimental treatments are not covered
   6. Self-inflicted injuries and attempted suicides are excluded from coverage
   7. Injuries or illnesses due to war, radiation, nuclear contamination, etc. are not covered
   8. Participation in defence-related activities or any other hazardous activities would not be covered
   9. HIV/AIDS and other sexually transmitted illnesses are not covered

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 –

1. Inform HDFC Ergo immediately about the claim
2. Locate the networked hospital closest to your area and get admitted there for cashless claims
3. You would have to fill up a pre-authorization form and submit it with HDFC Ergo for cashless claims. This form should be submitted either within 24 hours of an emergency hospitalisation or 3-4 days before a planned hospitalisation
4. Based on the pre-authorization form, the claim would be approved
5. You can take treatments at the hospital and the insurance company would bear the medical costs
6. After you are discharged, fill up the claim form and submit it with other claim related documents to get the claim settled
7. If you have taken treatments at a hospital which is not tied-up with HDFC Ergo, your claim would be settled on a reimbursement basis. You would have to pay the medical costs yourself and get treated. After discharge, submit the claim form and the relevant documents and the insurance company would reimburse the costs that you have incurred.

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 –

1. Car insurance plans

   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

2. Two-wheeler insurance plans

   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

3. Other motor insurance plans

   Besides car and bike insurance plans, HDFC ERGO also offers the following policies –

   1. Tractor insurance 
   2. Goods Carrying Vehicle Insurance
   3. Passenger Carrying Vehicle Insurance 

Inclusions and exclusions under HDFC ERGO motor insurance plans

Here are the coverage and exclusions of HDFC ERGO motor insurance plans –

Coverage 

• Third-party liability suffered due to the death of a third party
• Third-party liability suffered due to physical injury suffered by a third party
• Third-party liability suffered due to third party property damage
• Damages suffered by the vehicle due to natural causes like floods, earthquakes, lightning, storm, etc.
• Damages suffered by the vehicle due to man-made causes like fire, explosion, riots, malicious damages, etc.
• Theft of the vehicle
• Damages suffered by the vehicle when it is being transported

Exclusions 

• Mechanical or electrical breakdowns
• Depreciation
• Normal wear and tear due to vehicle use
• Illegal driving, i.e. under the influence of alcohol or drugs or without a valid driving license
• Driving outside the Indian borders
• Deliberate accidents or attempted suicides
• Acts of criminal nature
• Damages suffered due to war or related perils

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 –

• Inform HDFC ERGO immediately about the claim by calling its claim helpline number.
• HDFC ERGO would inform you of the nearest preferred garage where you can avail cashless claims. If you get your vehicle repaired at a non-networked garage, you would have to pay the bills and the claim would be settled on a reimbursement basis
• In case of theft or third party claim, a police FIR would be needed
• For own damage claims, the surveyor would visit the garage and assess the damages suffered. The surveyor would make a claim estimate and submit the report to the insurance company
• The company would approve the claim based on the surveyor’s report and the garage would start repairs
• The bills would be settled directly by the insurer if the garage is a preferred garage. Once the vehicle is repaired, you can complete the claim process and take delivery of your vehicle
• In the case of third party claims, the insurance company would pay the compensation to the third party after the motor accidents tribunal passes the judgement
• In case of theft, the police would try and find the vehicle. If the vehicle is not traced, the police would issue a non-traceable certificate. Submit this certificate to the insurance company and the claim would be paid.

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 –

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 –

• Home Credit Assure
• Home Shield Insurance
• Home Insurance 
• Standard Fire and Special Perils Insurance

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 –

• Cyber Insurance
• Commercial Vehicle Insurance
• Casualty Insurance
• Group Insurance
• Property & Miscellaneous Insurance
• Specialty Insurance, etc.

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 –

• Pradhan Mantri Fasal Bima Yojana
• Cattle Insurance Policy
• Rainfall Index Insurance

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 –

1. Visit https://www.turtlemint.com/ and choose the type of insurance cover that you need
2. Provide your details based on which the coverage and premium would be calculated. 
3. Once the details are entered, you would be shown a list of some of the best insurance policies which would also include HDFC Ergo insurance plans
4. Compare the plans and choose the best one
5. Fill up an online application form and pay the premium online to buy the policy quickly

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 –

1. The sum insured should not be too low. You should opt for an optimal coverage level which would help you meet the financial losses optimally
2. Look for different types of premium discounts offered by HDFC Ergo insurance plans. These discounts would lower your premiums
3. The premiums should be affordable so that you can enjoy uninterrupted coverage 
4. Choose the right policy as per your coverage needs 

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 –

1. The sum insured
2. Coverage duration
3. Members to be covered
4. Add-ons needed, etc.

If, on the other hand, you want to find the premium of motor insurance plans, you would have to provide –

1. Make, model and variant of the vehicle
2. Year of purchase
3. Registration date and location
4. Type of coverage needed
5. Add-ons selected, etc.

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.