HDFC ERGO Health Insurance Plans
HDFC ERGO Health Insurance really cares about helping its customers. They make sure every health insurance policy fits exactly what each person needs. They offer different kinds of plans, so whether you're young or old, single or have a family, or even if you need special insurance for older people or pregnant women, they have something for you.
Types of HDFC ERGO Health Insurance Plans
1Family Health Insurance Plans
HDFC health insurance plans for family cover all the medical expenses for your entire family. It covers you, your spouse, your children, and your dependent parents. You don't have to buy a different policy for every member of your family.
2Individual Health Insurance
These are for one person and cover costs from sickness, accidents, hospital stays, and other health issues. The coverage is tailored to your age, health history, and specific needs.
3Senior Citizens Health Insurance
HDFC ERGO health insurance for senior citizens is designed for people who are 60 years old or older. These plans focus on needs like chronic illnesses, age-related issues, and pre-existing conditions.
4Group Health Insurance
This is for groups like company employees or club members. Everyone in the group gets health insurance at a lower cost compared to individual plans. These plans often come with extra benefits like refunds.
5Maternity Health Insurance
This covers all costs that arise during pregnancy, delivery, and after the baby is born. They cover visits to doctors, hospitalization, tests, and medicines.
6Critical Illness Health Insurance
This pays a lump sum in case of serious illnesses such as cancer or heart attacks. It is activated once you are diagnosed with a covered illness and can be used to cover the cost of treatment.
7OPD Coverage
This is for outpatient services, which means you aren't staying in a hospital. It covers things like doctor visits, tests, medicines, and procedures.
8Top-Up Health Insurance Plans
These plans add extra coverage to your existing insurance. They start paying when your medical costs go beyond what your main insurance covers, helping you increase your coverage without much extra cost.
9Health Insurance for Women
These plans are specially made for women's health needs. They cover things like gynecological care, pregnancy, and specific women's health issues. They might also offer extra benefits like health workshops and preventive screenings.
List of HDFC ERGO Health Insurance Plans
| Plan Type | Plan Name | Sum Insured | Age |
|---|---|---|---|
| Senior Citizen, Family Floater | Health Suraksha | 5- 10 Lakh | Adult - 70 years and above Child - 90 days old to 25 years |
| Individual, Family Floater, Senior Citizen | Health Suraksha Silver | 1- 50 lakh | 91 days old and above |
| Individual, Family Floater | Optima Secure | 5 lakh To 2 crore | 91 days old and above |
| Family Floater | Optima Restore | 5 lakh - 1 crore | Adult - 18 years to 65 years old Child - 90 days old to 25 years |
| Individual, Family Floater | Optima Secure Global | 5 lakh To 2 crore | 91 days old- 65 years old |
| Women | Women CI | 1 lakh- 5 crore | 91 days old above |
| Individual, Family Floater | Medisure Super Top-Up | 2- 20 lakh | Adult - 18 years to 65 years old Child - 90 days old to 23 years |
| Individual, Family Floater | Energy | 2- 50 lakh | 18 years- 65 years old |
Now let's understand each plan in detail
1Health Suraksha
This plan helps cover your medical costs if you get sick or have an accident. It pays for hospital stays, medical treatments, doctor visits, and surgeries.
2Health Suraksha Silver
This is a basic health insurance plan that helps pay for hospital stays, treatments, and surgeries if you’re sick or injured. It also covers medical costs up to 30 days before going into the hospital and up to 60 days after you leave.
3Optima Secure
This comprehensive plan covers a lot of medical costs, including hospital stays, ICU charges, and doctor fees. It also pays for treatments at home, procedures that don’t require an overnight hospital stay, and costs before and after the hospital.
4Optima Restore
This plan has a special feature where it refills the total coverage amount for the year if you use it all up on medical bills. This means that you spend all your coverage, and the plan would add more at no extra cost to you, thus ensuring you are covered for the rest of the year.
5Optima Secure Global
This wide-ranging plan covers hospital stays, doctor visits, ICU charges, and surgeries. It increases your coverage automatically and also refills your insured amount if you make a claim. Right from the start, it doubles the base amount you are covered for.
6Women CI
This special plan for women offers financial help if you are diagnosed with certain serious illnesses like breast, cervical, or ovarian cancer. It gives you a lump sum to use for medical or other expenses after diagnosis.
7Medisure Super Top-Up
This plan acts as extra coverage on top of your regular health insurance. It starts paying once you’ve paid a certain amount yourself. It’s a cost-effective way to boost your insurance coverage against large medical bills.
8HDFC Ergo Energy Plan
Designed for people with hypertension or diabetes, this plan covers medical costs for managing and treating these conditions. It includes coverage for hospital stays, including expenses before and after hospitalization, daycare services, and inpatient care.
FAQs
Anyone can buy HDFC ERGO health insurance. They offer plans for individuals, families, senior citizens, women, and even specific groups like company employees or club members.
The minimum age is 91 days for children. For adults, it starts from 18 years, depending on the plan.
HDFC ERGO does provide maternity health insurance that takes care of all expenses incurred during pregnancy and delivery, including post-baby expenses such as doctor visits, tests, medicines, and hospital stays.
It covers additional costs in addition to the top-up plan. Once the medical costs surpass the deductible limit of the basic health insurance, the top-up plan starts to pay.
Yes, HDFC ERGO has Critical Illness Health Insurance plans that provide a lump sum payment if you are diagnosed with a serious illness. You can use this money for treatment or other expenses.
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Avarage Ratting
The demand for health facilities and medical expenses has increased since the COVID-19 outbreak.
Cancer has become a huge concern worldwide in the last two to three decades.
Choosing the right health insurance plan can feel confusing, especially with so many options available.
After the age of 40, a woman's body becomes more vulnerable to serious health issues like breast cancer
Health insurance add-ons (also called riders) are extra benefits that you can add to your health policy by paying a little more.