Knowledge Centre

How Do HDFC ERGO Plans Help you secure medical needs ?

Ravi works as a manager in one of the most popular banks. He has a loving family and he lives with his parents (aged 59 and 55 years), his wife and his 2 kids. Life had been going smoothly for them until Ravi’s father suffered a heart attack and had to be admitted to the hospital. The doctor recommended a by-pass surgery, which would cost them around 5 lakhs.

Ravi checked with the insurance company only to realize that they had already used 4 lakh rupees out of their total sum assured of 5 lakhs when their mother underwent a knee replacement surgery earlier this year. Ravi was devastated; with their health insurance plan already exhausted, the hospital bills wouldwreak havoc on his finances.

If you have a big family with ageing parents, spouse and kids, it is advisable to have individual insurance plans for each of them or have a separate insurance for your parents. The premium you need to pay might be higher but you will be able to avoid situations like Ravi’s and everyone will get their share of health coverage.

As HDFC ERGO says“Choice is power. Exercise it by picking the plan that suits you the most.”

Going by this principle, HDFC ERGO offers an array of health insurance plans customized and designed to cater to the insurance needs of different sections of people. Let us have a look at different health insurance plans offered by HDFC ERGO.

Individual Health Insurance Plan

In today’s hectic lifestyle, there is no age that can be deemed safe or free from diseases. Therefore, it is recommended to buy individual health insurance to ensure you well-being. Considering that a health insurance plan can help you save big on taxes as well as insurance plans bought before the age of 30 comes with more benefits and low premium, the sooner you buy your individual insurance plan, the better it will be.

Here are some of the individual insurance plans offered by HDFC ERGO

my:health Suraksha Silver Smart – If you are looking for affordable health insurance with sum insured ranging from 3 to 5 lakhs, this plan will suit you. Here the premium will be very low.

my:health Suraksha Gold Smart – If you are planning to have a more comprehensive coverage with sum insured ranging from 7.5 to 15 lakhs, this is the plan for you.

my:health Suraksha Platinum Smart – Looking for high coverage to deal with the soaring medical expenses? This is the recommended plan for you with the sum insured ranging from 20 lakhs to as high as 75 lakhs.

Super Top-up Policy – It allows you to boost your existing health insurance plans to provide higher coverage even with a low premium.

Family Health Insurance Plan

With growing risk of lifestyle diseases and soaring medical treatment expenses, a sound health insurance plan can act like a shield ensuring proper healthcare for your family members. A family health insurance plan is a shared plan where different family members (generally 2 adults and 2 children) are covered under one policy. In this case, the maximum sum insured remains constant and can be used by any one or multiple family members.

Here are different kinds of family health insurance plans offered by HDFC ERGO –

my:health Suraksha Silver Smart – If you are looking for an affordable health insurance plan for your family with sum insured ranging from 3 to 5 lakhs, this plan will suit you. This is the most affordable plan you will get for family insurance.

my:health Suraksha Gold Smart – If you are planning to have a higher coverage for your family members with sum insured ranging from 7.5 to 15 lakhs, this is the plan for you.

my:health Suraksha Platinum Smart – This plan offers you high coverage with the sum insured ranging from 20 lakhs to as high as 75 lakhs to deal with the soaring medical expenses. If you can afford it, this plan is definitely a good deal.

Super Top-up Policy – This allows you to boost your existing health insurance plans to provide higher coverage even with a low premium.

Parents Health Insurance Plan

The ageing of parents is inevitable and with growing age comes an array of illness and diseases. A health insurance plan especially for your parents helps you be prepared to deal with any sort of healthcare expenses.

Here are different kinds of health insurance plans for your parents offered by HDFC ERGO –

my:health Suraksha Silver Smart – If you are looking for affordable health insurance plan for your parents with sum insured ranging from 3 to 5 lakhs, this plan will suit you. This is an affordable plan with low premium.

my:health Suraksha Gold Smart – If you are planning to have a higher coverage to cover your parents with a sum insured ranging from 7.5 to 15 lakhs, this is the plan for you.

Super Top-up Policy – It allows you to boost up your existing health insurance plans to provide higher coverage even with a low premium.

Senior Citizen Health Insurance Plans

Turned 60 and yet have no insurance? Don’t worry! HDFC ERGOs senior citizen health insurance plans are designed specifically to cover senior citizens. Remember, it is never too late to buy health insurance.

Different plans for senior citizens include

my:health Suraksha Silver Smart – If you are looking for affordable health insurance plan with sum insured ranging from 3 to 5 lakhs, this plan will suit you.

my:health Suraksha Gold Smart – If you are planning to have a higher coverage with a sum insured ranging from 7.5 to 15 lakhs, this is the plan for you.

Super Top-up Policy – It allows you to boost up your existing health insurance plans to provide higher coverage even with a low premium.

Apart from this, you can also add on plans for your insurance plan with critical illness cover to increase the number of diseases it covers. The sooner you buy insurance for your parents, the better it is as you will be done with the initial waiting period and will be able to make the maximum benefit of the insurance policy.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the sales. *T&C apply. my:health Suraksha HDFHLIP20049V041920, UID No: D2HI492. For my: health suraksha - Minimum & Maximum sum insured available are from 1 lac to 5 cr (ii)my:health Medisure Super Top Up Insurance - Minimum & Maximum sum insured available are from 3 lac to 20 lacmy:health Medisure Super Top Up Insurance IRDA/NL-HLT/L&TGI/P-H/V.II/31/14-15 and Critical Illness Insurance IRDA/NL-HLT/HDFC-ERGOGI/P-H (C)/V.I/120/13-14


Awards & Recognition