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Why to compare different health insurance plans?

Once you’ve made up your mind for buying a health insurance plan, it’s important to choose a plan that meets your requirements. To find out which policy is best suited for you and your family, it is essential to compare health insurance plans to make an informed buying decision. This practice is an eye opener as you get to know about the benefits, coverage and exclusions about all the policies. If you are guessing about how health insurance plans comparison help in making a wise decision? Then, let’s understand the importance of comparison and how it impacts our investment move?

Sr NoCovers Silver SmartGold SmartPlatinum Smart
 Basic Sum Insured in ₹ 3 Lacs / 4 Lacs / 5 Lacs 7.5 Lacs / 10 Lacs / 15 Lacs 20 Lacs / 25 Lacs / 50 Lacs / 75 Lacs
Section A - Hospitalisation Cover
1Medical Expenses
Room Rent
ICU
Covered
At Actuals
At Actuals
Covered
At Actuals
At Actuals
Covered
At Actuals
At Actuals
1 BMental HealthcareCoveredCoveredCovered
2Home HealthcareCoveredCoveredCovered
3Domicilliary HospitalisationCoveredCoveredCovered
4Pre-Hospitalisation cover60 days60 days60 days
5Post-Hospitalisation cover180 Days180 Days180 Days
6Day Care ProceduresCoveredCoveredCovered
7Road AmbulanceSI 3 to 5 L - Rs 2000SI 7.5 to 50 L - 3,500SI 7.5 to 50 L - 3,500, > 50 L – 15,000
8Organ Donor ExpensesCoveredCoveredCovered
9Alternative TreatmentsCoveredCoveredCovered
10Air Ambulance CoverNot Coveredupto ₹ 2 lacsupto ₹ 5 Lacs
11Recovery Benefit₹ 5,000₹ 15,000₹ 25,000
12Sum Insured ReboundCoveredCoveredCovered
Section B - Renewal Benefits
1Cumulative Bonus10% at each claim free yr, max 100%10% at each claim free yr, max 100%25% at each claim free yr, max 200%
2Preventive Health Check Up BoosterEvery renewal irrespective of claimEvery renewal irrespective of claimEvery renewal irrespective of claim
3my:Health ActiveApplicableApplicableApplicable

 

 

Why choose HDFC ERGO General Insurance?

Secured Over #1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. `90% of pre-authorised cashless health claims are responded within 20 minutes.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. `90% of pre-authorised cashless health claims are responded within 20 minutes and reimbursement claims are approved within 3 days.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

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Frequently asked questions

Yes absolutely. You can compare various health insurance plans online. We at HDFC ERGO have few health insurance plans, which you can check and choose as per your requirement. Depending upon your medical requirements you can choose the right base plan, top-up insurance and benefit plan like critical illness cover. Click here to explore now.
Sum Insured, coverage, benefits, eligibility, cumulative bonus and sub limits are the most important factors for comparing health insurance plans.
For just covering yourself you can opt for individual plan, however a family floater is best suited for covering your entire family. In case your parents are senior citizens, go for a health insurance plan with individual sum insured basis.
No claim bonus or cumulative bonus is a reward offered by insurance companies for every claim free year. So, if you do not make any claim your health insurer gives you enhanced sum insured year on year upto 200% for not making any claims.

Co-payment is a feature where in the insured pays a certain aggregate amount for the claim amount and the remaining is paid by the insurer. Basically, if you have a claim of 1 lac rupees and your co-payment % is fixed at 20% then you need to pay 20,000 for the medical treatment costs and remaining is paid by the health insurance company.
You can simply calculate health insurance premium by entering your correct age, pre existing illness if any, your name, any members who need to be insured and their age. Click here to calculate premium.
Top up plans are meant to enhance your existing or base policy for increasing the sum insured and offering a much larger cover at an affordable premium.
A health insurance plan that offers maximum coverage and a higher sum insured cover is considered to be the best health insurance plan.
At present, HDFC ERGO at present offers health insurance plans limited to the boundary of our nation. However, very soon we shall be coming up with a Global Health Suraksha plan for covering overseas hospitalization expenses.
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