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HDFC ERGO plans Health Insurance for families and provides inclusive medical coverage to all members of a family under a single reporting amount. This family floater health insurance plan offered by the HDFC ERGO General Insurance Company covers the health needs of the entire family regardless of their age. Moreover, health insurance plans for families come with the restoration benefit that recharges the sum protected by 100% in case of partial or full exhaustion before renewal. Let’s understand the HDFC health insurance plans in detail through the help of four basic questions:
What are the types of plans HDFC Ergo health insurance offers?
HDFC Ergo Plans various health insurance plans for individuals, parents, families, senior citizens, critical illnesses, and super top-ups. In total, there are ten plans provided by HDFC Ergo health insurance.
Let’s look at each one of these plans in detail:
Optima Restore Health Plan
Hdfc Optima Restore is a family health insurance plan that can safeguard your financial security during the hospitalization of all members covered under it. The plan has lifetime renewability. In addition, there are no copays or sub-limits for the location or room for treatment in any network hospital.
Health Suraksha Insurance – Platinum Smart Plan
Health Suraksha Platinum is also a family health insurance plan specially calculated for individuals, families, and senior citizens. It offers many sum insured options ranging from ₹3 lakhs to ₹75 lakhs. In addition, there are numerous wellness features and discounts available with this plan.
HDFC Ergo My: Health Medisure Super Top-up
Health Medisure Super Top Up is a top-up health insurance plan that can give you additional coverage for your present individual health coverage. Therefore, you can get a higher sum insured at a lower premium with this top-up plan. In addition, this plan conceals the cost of non-allopathic treatment.
HDFC Ergo Critical Illness Insurance
This is a critical health insurance plan that covers illnesses like Cancer, Stroke, and other listed diseases that can be life-threatening.
iCan
There are two variants of the HDFC Ergo iCan plan, viz., iCan essential and iCan enhanced. You can select these plans based on your coverage obligation of Cancer diagnosis, lump sum over the base assured, payout basis, and more.
HDFC Ergo My: Health Women Suraksha
This plan is specially designed for women’s health insurance needs. It offers financial security against surgeries, minor and major treatments, and listed critical illnesses.
Corona Kavach Policy
This plan can save you financially against the cost of coronavirus treatment.
Energy- An Exclusive Plan for Diabetes
This is an individual health insurance plan specifically for Diabetes. Individuals with Type 2 Diabetes Mellitus, Impaired Glucose Tolerance (IGT), Hypertension, and Impaired Fasting Glucose (IFG) can be covered under this wellness management plan.
Health Wallet Family Floater
This is a comprehensive, flexible family health insurance plan that can cover the in-patient and out-patient outlays of your family member’s treatment.
HDFC Ergo Optima Super
HDFC Ergo’s Optima super top-up cover can enhance your existing health protection coverage on a cost-sharing basis. In this plan, you can choose from the varied sum assured options and deductible combinations.
What are the key features of HDFC Ergo health insurance plans?
Here are the key features of health insurance plans by HDFC Ergo:
- Most of the plans come with era renewability and simple and hassle-free processing.
- The plans have tried to cover individuals comprehensively, as well as family health insurance needs, with a wide range of products.
- As per the IRDAI (Insurance Regulatory and Development Authority of India) Report 2019-20, HDFC
- Ergo has settled 99.8% of claims within three months.
What add-on covers can be purchased with HDFC health insurance?
When you buy HDFC health insurance, you can also acquire the following add-on covers:
- Their Critical Illness Cover covers a minimum of 10 to 15 terminal illnesses (maximum 38 for specific plans.
- Personal accident coverage covers every outcome of an accident (with accidental death).
- Top-up plans to enhance your base plan coverage.
Are there any entry-age limitations for me when buying HDFC Ergo health insurance?
There are no entry age limits for adults, and for children, the entry age limit is 91 days. It can be easier to evaluate if you request to buy HDFC health insurance with all these details. You can probably first chart out your insurance needs and then compare them with a suitable plan to find a match.
Key Takeaways
Health insurance companies do not pay 100% of the claim amount. In addition, there are deductions that fall under the category of nonpayables as per the strictures forced by the IRDA in India. For example, service charges and surcharges incorporated by the hospitals in their bill are not payable under Mediclaim insurance.
Rahul Khanna
