Menu <<
How can we help you? >>

10,000+ Cashless Hospitals spread all over India!

Health Insurance

Health Insurance is a medical coverage that helps you meet your medical expenses by offering financial assistance. Due to the high cost of hospitalization expenses it is important to have a health insurance plan in place. HDFC ERGO’s health insurance policies take care of the hospitalization and treatment charges, leaving you free of financial woes. So get yourself a health insurance plan now.

Health Insurance and Its Role During the COVID-19 Outbreak

Health insurance in this situation will be highly beneficial, as it will provide cover against expenses that you may incur in order to get the required treatment. There are numerous hospitalisation expenses involved for getting treatment in case you suffer from Coronavirus. While you focus on quick recovery, we take care of your medical expenses by covering diagnosis, consultation costs at the time of pre hospitalization and post hospitalization as well. We also offer coverage for day care treatments if your treatment gets done in less than 24 Hours. Choose HDFC ERGO, a brand that has brought smiles to 1 crore+ customers.

If you already have a health insurance plan with HDFC ERGO, be rest assured we will cover hospitalisation expenses due to Coronavirus.

Know more about  coronavirus insurance  and Healthcare facilities.

Note: Every policy offered by HDFC ERGO comes with a waiting period of one month for making a claim against non accidental hospitalization. Please refer to your policy wordings, brochure for a detailed list of inclusions and exclusions. The above information is for illustrative purpose.

Types of Health Insurance

A health insurance plan can be of several types and you can choose the best plan depending upon your requirements.

  • Indemnity/Base Health Insurance Plan A health insurance plan, which pays for your medical expenses related to hospitalisation on the basis of medical treatment expenses, is called an indemnity plan. This plan is also referred as base plan and is a must have.With HDFC ERGO,my:health Suraksha is the most recommended indemnity base plan.

  • Top–up Health Insurance What if you have multiple health insurance plans like a personal base plan or an employee health insurance plan and wish to just get additional sum insured at a low premium than a super top up plan. Our my:health Medisure Super-Top up is the right top up plan.

  • Lump sum benefit based Health Insurance Plan The medical treatment cost for life threatening diseases is way too much as one life threatening disease is enough to shatter your life long savings. Hence, a benefit based plan pays you for critical illnesses in one go so you don’t have to make claims every time you pay for medical expenses. Get a critical illness cover to protect huge medical expenses.

What are the benefits of Health Insurance?

  • Cashless hospitalisation
  • Instant claim settlement
  • No room rent restriction
  • Sum insured rebound
  • Fitness discount
  • Long term policy discount
  • Save tax upto ₹ 75,000
  • Cashless home health care
  • Instant policy issuance
  • 24x7 Customer support

HEALTH INSURANCE PLANS

Individual Health Insurance

Rising lifestyle diseases may hold you back from achieving life goals. It is wise to buy health insurance by HDFC ERGO, as it promises to cover medical expenses without restrictions.

Family Health Insurance Plan

Ensure quality health care for your dear ones without disturbing your savings. Our family health insurance plans, ensure all round health protection at an affordable premium.

Parents Health Insurance Plan

Undoubtedly, health issues are the biggest cause of financial stress in old age. Tackle health distress without any dent on your savings with our health insurance plans for parents.

Senior Citizens Health Insurance Plan

We offer health insurance plans that ensure no entry-age restrictions and offer lifetime renewability, designed specially for benefitting senior citizens.

my:health Women Suraksha Plan

Designed specifically for a woman who is looking to secure her future medical expenses with an all-round comprehensive plan, this medical insurance plan aims at covering women-specific surgeries and major illnesses.

Critical Illness Insurance Plan

Critical illness treatment may lead to a financial crunch. With our critical illness health insurance get lump-sum benefit on diagnosis, which helps you go a long way in dealing with financial distress.

my:Health Medisure Super Top up Plan

To ensure you never fall short of health coverage, choose this health insurance and get a higher coverage of 20 lacs at an affordable premium.

What is covered in a health insurance policy?

Sum Insured Rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Installment Benefit

Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan by HDFC ERGO without any medical check-ups.

Cashless Home Health care**

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Daycare procedures

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

Mental healthcare

We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence we cover hospitalization expenses incurred for treating mental illnesses.

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by HDFC ERGO at the time of renewing your policy with us.

Save Tax upto ₹ 75,000*

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹ 75,000 with HDFC ERGO Health Insurance plans.

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

No entry age restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

What is not included in Health Insurance Policy?

Adventure Sport injuries

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.

Self-inflicted injuries

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

War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.

Participation in defense operations

Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases

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

Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.

Save Tax with Health Insurance

Tax deduction based on medical insurance premium paid

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.

6 Reasons to buy Health Insurance

  • 1. Lifestyle Diseases: Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread. It’s important to buy a health insurance plan to tackle medical expenses rising due to rising lifestyle diseases.

  • 2. Inadequate Employee Health Insurance: Do you think you are securely covered under one health insurance policy against all threats? Be informed that your employee health insurance may prove insufficient. These days medical science has advanced hence it’s important to get higher sum insured health insurance plans.

  • 3. Beat medical inflation: The cost of medical treatment in India is always on the rise. Funding medical expenses on your own will lead to financial loss hence it’s important to buy a health insurance plan to beat the medical inflation.

  • 4. Quality Healthcare: You certainly cannot compromise on healthcare quality. Best medical treatment has become a basic necessity, however having a health insurance plan promises quality healthcare as you don’t have to worry about the finances..

  • 5. Tax Savings: Health Insurance is a tax saving instrument. Enjoy upto *Rs.75, 000 Tax savings annually under section 80D with health insurance plans. Isn’t it amazing? You can save tax and secure your health too.

  • 6. Safeguards your savings: With a health insurance plan you can invest your savings for buying your dream house or taking the much awaited trip. You don't have to save for paying your future medical bills.

Know what the Expert Speaks about our Health Insurance Plans

Diwaker Asthana, Head of Underwriting & Claims for Health & Accident Insurance
"Recommends buying my:health Suraksha Insurance to get the benefit of a wide range of coverage that the plan offers. For some unique benefits like cashless home health care and in-patient treatment for mental illness, he believes this plan will benefit customers in the long run".

How to choose a right health insurance plan?

Every time you look for a health insurance plan the thought that hits your mind is what is an ideal health insurance plan like? What all coverage should it have? Let’s decode the hacks to get the right health insurance plan.

1. Get yourself adequate sum insured: If you are residing in the metro cities then cost of treatment is high hence for an individual your sum insured should ideally range between 7 lacs to 10 lacs. If you are looking for a family cover to insure your spouse and kids a sum insured that ranges between 8 lacs to 15 lacs suits best on floater basis. It should be adequate enough to cover more than one hospitalisation that may happen in a year.

2. Look for co-payment to reduce premium: If you wish to reduce your premium and you are fine with making partial payments for your medical expenses then look for a health insurance plan with co payment facility. You share the medical expenses with your health insurer hence you don’t have to pay a heavy premium.

3. Look for in-home health care: What if you are unable to get a bed at the hospital or your parents aren’t comfortable seeking medical attention at the hospital? Under such circumstances you can easily get treatment done at home without much hassles. HDFC ERGO offers cashless health insurance for in-home health care.

4. No sub-limits help: Usually your medical expenses depend upon your room type. It’s recommended to buy a health insurance plan that does not have sub limits. Just like my:health Suraksha Insurance it does not imply any room rent restrictions or sub limits.

5. Check waiting periods: Your health insurance plan doesn’t come into action while your waiting period is not completed. Always check health insurance policies with lower waiting periods for pre existing ailments and maternity benefit.These are the most important covers to look for before buying a health insurance plan. Other than most important coverage there are a few more benefits that need to be looked upon before choosing a health insurance for yourself, your family and parents.

Know the Top 7 Factors that decide your premium

1. Age: Undeniably, age is the most prominent factor that fixes up your premium. It’s highly recommended to buy a health insurance policy while you are young, because premium rises with age. At a younger age you are less likely to have pre existing diseases due to which your premium is low as compared to higher age groups. It’s highly recommended to buy health insurance at an early age.

2. Pre existing illnesses: Any health condition or ailment that you are already suffering before getting a health insurance policy is termed as pre existing illness. If you are a diabetic or suffering from hypertension there is a chance that your premium will raise. Buying health insurance plan early when you are hale and hearty will help you skip high premiums due to pre existing ailments.

3. Family History: This could be a factor that affects your premium calculation, if your family has a diabetes history there are higher chances you too may acquire it at some point of time in life. Due to which insurance premium may be charges high to such individuals.

4. Location of stay: If you reside in a metro city then there are chances that your premium may go on a higher side as the cost of treatment is high in developed cities as compared to tier 2 or 3 cities. Hence premium for someone who stays in Delhi will be high as compared to someone who stays in Nagpur.

5. Members covered: Your health insurance premium will be low if you choose to cover yourself as compared to a family floater policy wherein you cover your spouse and kids. Even under family health insurance you can choose to have individual sum insured for every family member or get them all over one sum insured in a floater plan. Sharing the sum insured under one floater plan will incur low premium than getting individual sum insured for all.

6. BMI or Body Mass Index: If your weight isn’t proportionately balanced with your height leading to obesity then there are chances that you may have to pay higher health insurance premiums. People with higher BMI are prone to joint paints, hypertension, high blood pressure and various other ailments due to which they fall under high risk category. Insurance premium is generally high for high health risk individuals.

7. Smoking Habits: If you are a chain smoker then there are chances that your insurance premium may burn your pocket as insurance company may consider you as a high risk individual. Your smoking habit may affect your lungs in the long run leading to respiratory ailments. Other habits like chewing tobacco or high consumption of liquor may also affect your body and may also cause cancer; hence your premium may shoot up.

How to Make a Claim for your Health Insurance Plan?

To register a claim for your health insurance plan there are several steps to be followed. Health Insurance claim process works differently for reimbursement claim requests and cashless claims. Read the below process to understand how HDFC ERGO settles health insurance plan claims.

Health Insurance Cashless Claims get approved within 20** minutes

Hospitalization

Policy Holder Needs to find the nearest cashless hospital

Locate your nearest cashless hospital

Collect form from Hospital, Fill and Submit at the Hospital

Collect the cashless form from hospital and fill it duly

Submit it with necessary documents along with your Photo ID and health insurance card

Pre-authorization

On receiving the documents our internal claims team approves/rejects the claim depending upon the documents, course of treatment and coverage.

Claim Settlement

On approval you can undergo medical treatment without paying anything to the hospital.

On discharge HDFC ERGO will check the documents and discharge summary and settle the claim with the hospital directly.

Status Update

At each and every stage you can track your claim status and we shall keep informing you about your claim request

Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.

Health Insurance Reimbursement Claims get reimbursed within 3** days

Hospitalization

Once you are hospitalised at a non-network hospital intimate HDFC ERGO about your hospitalisation

Post Discharge

Collect all documents from the hospital and send it to HDFC ERGO General Insurance Company Ltd 5th Floor, Tower 1, Stellar IT Park, C-25, Sector-62,Noida 201301 State : Uttar Pradesh , City : Noida Pin Code : 201301.

Document Scrutiny and approval

We will check the documents and approve/reject the claim

Settlement

If your claim is approved your claim amount shall be reimbursed via NEFT.

Other related articles

Most Common health insurance mistakes and how to correct them?

3 unexpected ailments that can be avoided through a healthy lifestyle

5 common Myths about Health Insurance deciphered

Frequently Asked Questions on Health Insurance

1. Why do I need health insurance?

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.

2. What are the benefits of having a health insurance policy?

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.

3. Is it possible to apply for the health insurance policy online?

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.

4. How can I get a new member added to my existing family floater health insurance?

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.

5. Can I change the hospital during the course of treatment?

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.

6. Can I take policy for my kid who is 3 years old?

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

7. Is the health insurance coverage applicable worldwide?

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.

8. Does my policy covers diagnostic charges?

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.

9. Can I cancel my health insurance policy mid-duration?

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.

10. What happens to the health insurance policy if the primary insured passes away?

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.

11. How do I make changes in my health insurance policy details after receiving the policy documents?

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



**Cashless home health care facility is available selected.*Subject to change as per Tax Laws in India. my:health Suraksha - HDFHLIP20049V041920.

Terms and Conditions Applied. #1 Crore+ Active Customers upto September -2019© HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. CIN: U66030MH2007PLC177117.