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Health Insurance For Family

Our life revolves around our family. Securing their medical need should always be your top priority. Can you imagine something more important than your family? No, right? Then why let their health, happiness and financial stability be at stake? With growing risk of diseases and skyrocketing medical treatment expenses, a sound health insurance policy is the shield around your family. With HDFC ERGO health insurance bind your family in a safety bond.

Choice is power. Exercise it by picking the plan that suits you the most.

Affordable Family Health Insurance
my:health Suraksha Silver Smart is the most-suited plan for your family that takes care of all medical needs at an affordable premium with sum insured ranging from 3 to 5 lakhs.
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Recommended Family Health Insurance
With sum insured ranging from 7.5 to 15 lacs, my:health Suraksha Gold Smart Plan offers optimum coverage towards quality healthcare needs ensuring your family remains protected.
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High sum insured plan
How about getting a high sum insured plan which will give a tough fight to the soaring medical expenses? Get my:health Suraksha Platinum Smart, with sum insured ranging 20 to 75 lakhs.
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Affordable Top-up plan
Boost up your existing health plan with a super top-up policy that offers higher coverage at a lower premium. This plan will keep the stress of medical bills at bay and beat the medical inflation.
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Why do you need a Health Insurance Cover for your Family?

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Lifestyle Diseases

With lifestyle diseases on the rise and healthcare costs skyrocketing, it’s wise to go for health insurance. You will be financially secured against any medical emergencies.

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Inadequate insurance

Sometimes, buying just one insurance policy may not cover all your needs. Go for add-on insurance for that extra protection.

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Beat medical inflation

Hospital expenses can burn a hole in your pocket. Going for a medical insurance policy for your family will take away all your financial burden.

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Early Decision

Buying health insurance at a younger age comes with some benefits like lower premium and bigger covers.

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Integrated Wellness Services

Holistic wellness is key to an overall healthy lifestyle. Our insurance plans cover wellness services too.

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Tax Savings

Apart from providing you and your loved ones financial security in times of emergencies, health insurance also provides tax benefits on the premiums upto  ^^Rs.75,000 a nnually.

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 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.

5 Reasons To Get a Health Insurance When You Are Young

Lower Premiums

While you are young there is a low probability of you already suffering from an ailment hence buying a health insurance plan while you are young will help you save on premium, because your premium rises with age.

Coping up with waiting periods

Health insurance plans often have waiting periods for certain diseases or pre existing illnesses and even for maternity cover at times. Hence, it’s recommended if you buy a policy at an early stage of life you can rid of the waiting periods while you are in your best health and get the cover at a later life stage without facing any waiting period exclusions so in short you get the full benefit of a health insurance plan when you need it the most.

Not just severe diseases

There is a common misconception amongst youth they feel that since they’re young they may not fall prone to any major illnesses. This isn’t true as anyone may suffer from air borne, vector borne or water borne diseases. Even accidental injury has got nothing to do with age, which means even if you are young you too may hamper your savings if ever you are hospitalized.

Better financial planning

If you buy a health insurance plan at an early age then you can save tax and save more for your future. Health insurance plan is an important tool to save tax and protect yourself from soaring medical expenses.

I won’t claim so health insurance isn’t important

Many of us buy health insurance just to save tax under section 80 D. A health insurance plan helps you save tax upto Rupees 65,000. However, there’s lot more to beyond saving taxes. Get yourself a health insurance plan that helps you during critical times and helps in saving finances in the long run. You must also get a health insurance plan for your parents, spouse and kids to ensure complete financial security.

6 Reasons that will compel you to buy a health insurance plan right away

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 lifestyle issues.

2. Inadequate insurance: Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient. These days medical science has advanced hence it’s important to get higher sum insured health 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. Big Savings: Avail discounts on paying for 2/3 years policy tenure, also buying insurance policy for more than 2 family members on individual sum insured basis can fetch you more discounts. Be a smart insured and keep looking for long term discounts and save your premiums.

5. Early Decision: Getting insurance early has innumerable benefits right from lower premiums to wider coverage options. With less probability of having existing health conditions, you get the benefit of lower premium while buying a policy.

6. Tax Savings: 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.

Know what the Expert Speaks about our Health Insurance Plans

Diwaker Asthana, Vice President A&H Underwriting & Claims
"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".

Are you covered enough? Do you feel you are uninsured?

Scenario 1: My employer is taking care of my health insurance I don’t need one

Most of us consider employee health insurance as a secured cover for taking care of medical expenses. But, let us tell you that employer health insurance isn’t the right solution. Once you leave the company or switch jobs you lose your health insurance benefits. Also, you don’t have the flexibility to change covers and increase or decrease sum insured. Relying on employee health insurance for a long time may lead to washing off waiting periods.

Scenario 2: Staying unaware

Most of us don’t realize the importance of health insurance until something fatal hits us or people around us. Lack of awareness may hamper your savings, if an unexpected medical expense comes up.

Scenario 3: Low Sum Insured

It’s important to understand that you need a higher sum insured if you reside in a metro city where medical treatment expenses are high. If a single hospitalization in a year is enough to exhaust your sum insured then you should consider a higher sum insured. Just buy a health insurance won’t help in the longer run getting a sum insured that’s enough to cover your medical expenses is equally important. Also, if you are covering more family members then consider taking a health insurance policy with sum insured above 10 lacs.

Scenario 4: Looking at premium budget over the coverage

Don’t just look at the premium and go back thinking if you should buy this health insurance plan. Looking at the list of coverage and benefits of buying a health insurance plan is important and should not be overlooked. If you think of buying a health insurance plan with low premium then there are high chances that you may lose out on coverage. In future, you may feel that certain coverage is important but your policy doesn’t cover it. For example: HDFC ERGO offers cashless in-home health care, no room rent restrictions on hospitalization and approves cashless claims within 20 minutes seamlessly.

Scenario 5: It’s not just a Tax saving tool

Many of us buy health insurance just to save tax under section 80 D. A health insurance plan helps you save tax upto Rupees 65,000. However, there’s lot more to beyond saving taxes. Get yourself a health insurance plan that helps you during critical times and helps in saving finances in the long run. You must also get a health insurance plan for your parents, spouse and kids to ensure complete financial security.

5 Prominent Things to look in 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?

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


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.

Top 4 Reasons to buy health insurance plan online

Convenience
Gone are the days when you wait for someone to come and explain the policy to make a buying decision. With digital trends taking over the world, buying a health insurance plan from anywhere across the globe helps you in saving time, energy and effort.
Secured payment modes
You don’t have to pay premiums in cash or cheque! Simply use your credit/debit card or net banking services to make payments online throught multiple secured payment modes.
Instant policy issuance
You no longer have to wait for the courier dispatch to arrive with policy documents. Your policy PDF copy comes right into your mail box and you get your policy within a few seconds.
Instant premium calculation
You can instantly calculate premium, add or remove members, customise plans and check coverage online at your fingertips to buy a health insurance plan online.

Common Insurance Terminologies

We often come across terminologies while reading features & benefits offered by health insurance companies. Below are the 10 most commonly used jargons while explaning the coverage & exclusion of a health insurance plan. Let's demystify them to understand better.

Cumulative Bonus

Your insurance company rewards you for staying hale and hearty! Every year you get cumulative bonus in the form of increased sum insured for not making any claims. We at HDFC ERGO offer cumulative bonus of upto 200%.

AYUSH Benefit

This terminology is an acronym for Ayurveda, Unani, Siddha and Homeopathy; It refers to treatments or therapies that you can take other than the usual allopathic course of treatment. If you believe in the healing powers of non allopathic treatment, we cover your hospitalization expenses seamlessly.

Co-payment

The fixed amount or % paid by the insured ( the one who is covered) for the medical treatment. If your co-payment percentage is 20% then in case of hospitalization you are suppose to bear 20% of the expense and remaining shall be paid by your insurer.

Endorsement

The process of making changes in your policy document such as change in name, adding or removing members and increasing sum insured etc is a part of endorsement.

Pre-existing disease

If you are suffering from any ailment at the time of buying a policy is termed as pre existing illness or disease. It’s important to declare pre existing disease at the time of policy issuance or else at the time of claim; if the insurer knows about your existing illness your claim may get denied.

Free Look Period

Insurance Company gives you a chance to cancel your policy post payment if you have found a better plan and wish to take a different plan. This period is called free-look period.

Waiting Period

In simpler terms, waiting period is the duration when an insured must wait to get coverage for some disease or treatments. The insured may not receive benefits for claims filed during the waiting period. For example, there are waiting periods for pre existing disease and maternity treatment.

Sum Insured Rebound

Get additional sum insured equal to your actual sum insured in case your sum insured gets exhausted.

No Sub-limits

Health insurance companies add sub limits on diseases, hospital room rent and coverage, which means after a certain limit you do not get the benefits. However, with HDFC ERGO my:health Suraksha there is no sub limit on room rents or diseases.

ADD on covers or Riders

To enhance your policy you can choose to get additional covers or riders to stay extra safe. There are several add ons like critical illness cover or hospital daily cash etc.

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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

You can opt for a family floater plan or cover each member individually under the same policy.
In a family floater health insurance, single sum insured is shared by all the family members during the policy period whereas in an individual plan, each member has his/her own sum insured.
Yes, you can also enjoy a 10% discount on premium when you choose to cover more than 2 family members on an individual sum insured basis in the same health insurance policy.
Yes. You can endorse the policy and add your newly wedded spouse to the policy mid-term at an additional cost by producing a marriage certificate.
Yes. You can endorse the policy and add newborn baby to the policy mid-term at an additional amount by producing the birth certificate.
You cannot take an independent policy for a 3 year old. Children below 5 years are covered only when both the parents are covered under the policy
Firstly your entire family gets covered under 1 policy as all the sum insured will be shared by all the members. Renewals also becomes easier since you need not renew each and every individual health insurance. Secondly, the premium becomes much lesser as compared to individual Sum Insured Health Insurance.
In case of the death of the primary insured, the other adult person may continue with the policy and the sum insured will remain the same.
At the time of renewals, you can increase your sum insured.
In case you are hospitalized and your policy lapses we will cover you.
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