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Get access to 15,000+ Cashless
Healthcare Networkˇ
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Why Choose HDFC ERGO Health Insurance
15000+ Cashless
Healthcare Networkˇ
Additional 5%
Online Discount^*
₹24000+ Cr claims
settled till now Ì‘
Quick & Easy
Claims Process
3 claim processed
every minute^^
3.2 Crore+
Happy Customers@
Health care is always accessible at the time of need all thanks to our wide network of cashless hospitals.
Family Health Insurance Plans
A health insurance policy is a financial safety shield that protects you and your family during medical emergencies. It comes with several benefits such as paying your medical bills including pre and post-hospitalization expenses, protect your savings and get tax benefits.
The month of March marks the last month of the financial year and it also means you have to declare your investments for the upcoming financial year in which health insurance plays an important role.
Buy the best health insurance plan in India from HDFC ERGO which will help you manage the rising medical costs during emergencies and have below features:
• Cashless Networks: 15,000+ across Indiaˇ
• Tax Savings: Upto ₹75,000'''
• Renewal Benefit: Preventive Health Check-up within 60 days of Renewal
• Claim Settlement Rate: 3 Claim/Minute^^
Why Choose HDFC ERGO's Family Health Insurance?
We value your family as much as you do and so we have designed insurance products that cater specifically to the emerging needs of a family.
Cashless Claim Service
Quick & Easy Claims Process
3 claim processed every minute^^
Almost 2 Decades of Serving Insurance
24x7 support in 10 languages
3.2 Crore+ Happy Customers@
Understand Coverage Offered Family Health Insurance Policies
Hospitalisation (Including COVID-19)
We cover all your hospitalisation expenses arising from illnesses and injuries seamlessly. Most importantly, the Optima Secure plan includes treatment costs for Covid-19 as well.
Pre And Post Hospitalisation
Instead of 30&90 days availed normally, get 60 & 180 days pre and post hospitalisation medical expenses covered.
All Day Care Treatments
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.
Preventive Health Check-Up At No Cost
Prevention is certainly better than cure and that’s why we offer a free health check-up on renewing your health insurance policy with us.
Emergency Air Ambulance
Optima secure plan is tailored to reimburse the cost of air ambulance transport upto ₹5 lacs too.
Road Ambulance
Optima Secure plan covers road ambulance cost upto the sum insured.
Daily Hospital Cash
Get daily cash of ₹800 per day up to a maximum of ₹4800 on hospitalisation, as out-of-pocket expenses under Optima Secure Plan.
E Opinion For 51 Illnesses
Avail e-Opinion for 51 Critical Illnesses through network provider in India under Optima Secure plan.
Home Healthcare
We will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.
Organ Donor Expenses
We cover medical expenses for harvesting a major organ from the donor’s body where insured is the recipient.
Alternative Treatments
We cover treatment costs upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Lifelong Renewability
If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.
The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.
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.
Breach Of Law
We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.
War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Excluded Providers
We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)
Congenital External Diseases, Defects Or Anomalies,
We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies. (Congenital diseases refer to birth defects).
Treatment For Alcoholism & Drug Abuse
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
How to Make a Claim for your HDFC ERGO Family Health Insurance
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.
Intimation
Fill up the pre-auth form at the network hospital for cashless approval
Approval/Rejection
Once hospital intimates us, we send you the status update
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
Claim settlement
At the time of discharge, we settle the claim directly with hospital
Hospitalisation
You need to pay the bills initially and preserve the original invoices
Register a claim
Post hospital discharge send us all your invoices and treatment documents
Verification
We verify your claim related invoices and treatment documents
"Claim Settlement
We send the approved claim amount to your bank account.
Hear from Our happy customers
Our customers have rated us
HEALTH SURAKSHA FAMILY POLICY
1 Sep 2021
Good policy For Health. Value for Money
FAMILY HEALTH COVER
24 Aug 2021
Excellent. I highly recommend this policy for your family.
HEALTH SURAKSHA FAMILY POLICY
15 Aug 2021
HDFC ERGO is the best mediclaim policy provider in india. Would highly recommend others to try it!
FAMILY HEALTH COVER
10 Aug 2021
Nice. Liked the service and process
my:Health Suraksha
28 Oct 2020
I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.
Frequently Asked Questions on Family Health Insurance
1. I’m covered under my employer's group policy, do I need a seperate health insurance policy?
Yes. You do need a personal health insurance plan as your employee health insurance covers medical expenses only till the time your employment in valid in the organization the moment you leave the job your policy term ends.
2. Will COVID-19 tests be covered under the policy
The testing charges will only be covered in case of hospitalization for each insured member(s) covered under the policy.
3. How does smoking affect health insurance premiums?
Smokers are exposed to higher risks! If you smoke there are chances that you may develop some or the other ailment at later life stage due to which you may claim. Hence, insurance companies looks at such insured as high risk and the premium is a bit high for such individuals.
4. How do I claim health insurance?
You can raise either a cashless claim request by contacting the insurance department at the network hospital or inform your insurer post discharge about the hospitalization and send invoices to avail reimbursement benefits.
5. If I increase my sum insured at the time of renewal, does a waiting period apply?
Yes. You can port your health insurance policy with any other insurer without impacting your waiting periods.