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Health insurance by far is the best way to secure your future medical expenses today. It is a financial planning tool, which lets you pay an annual premium to secure the bigger hospitalisation expenses which may occur in future. In a nutshell, a health insurance plan is the right way to safeguard your savings for fulfilling life goals instead of paying medical bills. Medical insurance is also a tax saving tool as it helps you save tax upto INR 75,000.
You could be at your early 20s or late 30s, having a health insurance plan is important. Get the freedom to stay secured and avoid paying for soaring hospitalisation expenses.
Your family is an important part of your life; their happiness means the world to you. Why not secure them under a family floater health insurance to get all round protection at affordable premium.
Your growing age may invite certain health complexities. Secure yourself with a health insurance plan by HDFC ERGO, which offers lifelong renewability and can be bought at any age.
Tackle the health distress of your parents by giving them quality healthcare facilities without burning your pocket with an affordable health insurance plan by HDFC ERGO.
Oh! You already have a health insurance plan and wondering if it’s enough. Well, in that case in a situation when you have a speck of doubt go for a pocket-friendly my:health Medisure Super-Top up plan that offers a huge sum insured at unbelievably affordable premiums.
One life threatening disease is enough to bring down your lifelong savings, such is the expense to treat critical illnesses. Why take risk, when you can choose to buy a critical illness plan by HDFC ERGO and stay protected against 15 critical illnesses.
For my:health Suraksha Health Insurance you get an additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.
Your hospitalization lasted for just a day that doesn’t mean it remains excluded. We cover 586 day care procedures in this health insurance plan.
Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation with HDFC ERGO Health Insurance.
This health insurance plan offers full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days after discharge from hospital.
If any of the insured member suffers from mental illness, the expenses for hospitalization gets covered in this health insurance plan.
If your doctor recommends treatment at home, you can avail the services right at your home that too with **cashless facility. Get this health insurance now.
Everything from bed-charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly with this health insurance.
This health insurance plan covers expenses for transfer from hospital to home in an ambulance (within the same city) is also covered if the insured encounters life-threatening medical emergency.
For a noble deed as organ donation, HDFC ERGO Health Insurance cover the organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant.
We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need. Get this health insurance now.
This health insurance plan offers a lump sum amount of Rs.5000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our health insurance plan does not cover self-imposed injuries.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.
Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
Under Section 80D, you can get a deduction of up to Rs. 25,000 per budgetary year for medical insurance premium. The premium paid for a health insurance plan can be for you, your spouse, and dependent children. If you or your spouse is a senior citizen, then this limit can go up to Rs. 50,000.
Deduction on preventive health check-ups
You can also claim tax benefits on preventive health check-ups annually under the Section 80D of Income Tax Act. You can claim up to INR 5,000 every budgetary year as expenses incurred for preventive health check-ups.
Deduction on medical insurance premium payment for parents
If you are paying medical insurance premium for guardians then you can also claim an additional deduction of up to INR 25,000 every budgetary year. If your parents or either of them is a senior citizen, then this limit can go up to INR 30,000.
With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. Get yourself a health insurance plan now.
Having a health insurance policy covers expenses incurred due to hospitalization. This includes in-patient treatments, pre and post hospitalization charges, day care procedures, domiciliary treatments, etc.
All HDFC ERGO Health Insurance Plans are available online for purchase via various online payment options. Simply take our online journey for the product that suits you best & apply with just a few clicks.
You need to fill a health declaration and an endorsement form and the new member will be added to your existing family floater health insurance at an additional amount.
Yes, if needed you can change the hospital during the treatment. However, you might need to provide necessary information for a smooth claim process of your health insurance plan.
You cannot take an independent health insurance policy for a 3 year old. Children below 5 years are covered only when both the parents are covered under the health insurance policy
In certain conditions you might be eligible for reimbursement of overseas treatment, such as pre-diagnosed planned hospitalization, outpatient treatment, and second opinion in case of sudden illness while travelling under your health insurance plan.
Most pre hospitalization and post hospitalization expenses (up to 60 days) are covered under the health insurance policy, such as X - rays, CT scan, MRI, ultrasound nursing, physicians, medicines , other diagnostic needs. After successful completion of 4 claim-free year, you are eligible for free health check-up as well. This is subject to no medical adversities.
Most insurance health insurance plans have a 15 day cooling off period called as free-look period during which you can cancel your policy. However, in case you wish to cancel the health insurance policy mid-term then you need to provide a suitable reason for cancellation. Premium refund is subject to nil claims & as per the refund chart mentioned in the health insurance policy wordings.
In case of the death of primary insurer in a health insurance policy, the other adult person may continue with the policy and the sum insured will remain the same.
You can change your health insurance policy details online through our website hdfcergo.com. Visit the 'HELP' section on the website and place a request. To place request or explore services, click here