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Health Insurance For Individuals

 

In today’s fast paced world there are so many factors that affect your health. The best thing to do is to insure your health for utmost well-being. So that, when age, sedentary lifestyle, environmental changes, accidents, addictions etc threaten your health and pile you with medical bills, you can breathe a sigh of relief. Also, it might be a smart  decision to buy your health insurance at a younger age. This gets you lower premiums and bigger coverage. Secure your health today!

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

Affordable Health Insurance
Affordable Health Insurance
Looking for a health plan that takes care of all your medical needs at an affordable premium with sum insured ranging from 3 to 5 lakhs? Then, my:health Suraksha Silver Smart is the plan for you.
Explore & Buy
Recommended Health Insurance
Recommended Health Insurance
With sum insured ranging from 7.5 to 15 lacs, my:health Suraksha Gold Smart Plan offers optimum coverage towards most of your healthcare needs ensuring you remain protected.
Explore & Buy
Women Health Insurance
Women Health Insurance
Women need special medical attention for specific major and critical illnesses, explore our lumpsum benefit plan designed especially for women.
Explore & Buy
Affordable Top-up plan
Affordable Top-up plan
Boost 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.
Explore & Buy
 

What is covered in a health insurance policy?

Sum Insured rebound

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

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

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**

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.

Hospitalisation expenses

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

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.

Day care procedures

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

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 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

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

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

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*

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

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

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.

Things to be aware of when purchasing a personal health insurance policy

What are your requirements?
This is a fundamental decision that will need to be taken into consideration. Factors like co-morbidities, family history for renal, cardiac, cancer and other concerns, a predisposition to diabetes, risk factors at one’s job etc are all important determinants of the type of personal health insurance policy. These have a direct impact on things like premiums, waiting periods etc.
What is the cover amount?
The cover amount is a yearly amount. Therefore the insurance coverage amount needs to be made on the basis of the insured party’s age, yearly income level, add-ons on the policy etc.
Cashless hospitalisation
Cashless hospitalisation is a lifesaver, especially in emergencies. The feature enables family members to concentrate on the emergency at hand, rather than having to arrange for money in a hurry, and also tedious and time consuming paperwork.
How comprehensive is the coverage?
Comprehensive personal health insurance should take into consideration pre & post hospitalisation expenses. Most personal health insurance policies cover hospital expenses alone. But pre & post expenses should also be a priority. These could include medical tests, ambulance fees, medicines, doctor’s fees and other expenses.
How easy is the claims procedure?
These days the standard insurance claims process is rather simple. However, it would be wise to spend some time reading the fine print about the claims process from individual insurance providers before making your insurance purchase decision. You need to know how quicky the insurance company settles claims.
Is cumulative bonus offered ?
Cumulative bonus simply means the sum by which your coverage is enhanced by, if there has been no claim in the previous year. This amount is normally added to the policy at the time of renewal and can mean a significant increase in coverage. So do check if this is applicable to your insurance, and to what extent is it offered.

Benefits of buying health insurance while you’re young

When we are young, we feel invincible and oftentimes the advice of our elders like investing in health insurance, falls on deaf ears. However there are some real benefits to buying health insurance while we’re young.

Your insurance premiums are lower
The first and most important benefit of buying health insurance when you’re young is price. The difference in premiums for younger people as against older folk is quite substantial. For example the premium on a sum insured of Rs. 5 lakhs, for someone under the age of 30 may be as low as Rs. 5,000 per year. On the other hand the same sum assured can draw a premium of between Rs. 6,000 to Rs. 8,000 for someone in their 40’s.
You’re able to plan your finances better
Buying insurance at an early age can have some unexpected financial benefits. If for instance you adopt a health insurance policy at the onset of a critical illness, later in life, your finances will suffer. It is prudent to be watchful and secure your health related finances earlier on, therefore being prepared for any eventuality later in life.
The waiting period isn’t a bother
Most health insurance policies come with a 24 or 48 month waiting period before the benefits for certain conditions can kick in. This means things like critical illness cover and maternity benefits do not kick in immediately. But this is hardly a bother or concern if you’ve insured yourself at a younger age, as critical illness and pregnancy are not on your immediate list of priorities.
Drop in the rate of rejections
Insurance companies reserve the right to deny a claim. Risk is one of the determining factors for claim rejections. This typically happens for people of an older age, as they represent a higher risk for the insurer to cover. Rejections rarely if ever, happen in the case of younger policyholders.
Wider range of coverage
You can get a wider range of coverage if you buy health insurance at a younger age. A health insurance policy covers not just hospitalisation, but also, day-care procedures, OPD expenses, pre & post hospitalisation expenses and in some cases even ancillary expenses like ambulance fees. Getting these types of coverages later on in life can be extremely difficult and expensive.
Lifetime renewability
Buying an insurance policy early on in life can help you qualify for lifetime renewability. While the Insurance Regulatory and Development Authority of India (IRDAI) has stipulated that insurance policies can be renewed throughout one’s lifetime, the maximum age of renewal is around 65-70 years of age.

What makes Health Insurance a must-have for Individuals?

Lifestyle Diseases
Lifestyle Diseases

Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.

Inadequate insurance
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.

Beat medical inflation
Beat medical inflation

The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.

Big Savings
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.

Early Decision
Early Decision

Getting insurance early has innumerable benefits right from lower premiums to wider coverage options.

Tax Saving
Tax Savings

Insurance is a tax saving instrument. Enjoy upto ^^Rs.75,000 Tax savings annually under section 80D with health insurance plans.

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Other related articles

 

Other related articles

 

Frequently asked questions

Looking at the healthcare inflation cost coupled with the lifestyle disease epidemic, health insurance is needed to help you pay for health care in the event of an unexpected illness or injuries. Health insurance covers medical uncertainties and ensures quality medical treatment at the time of need.
The earlier the better, typically, when you are in your early 20's and you have just started earning Health insurance also helps in financial planning and offers wider coverage at a lower premium.
Your own health insurance means an all round cover that secures your medical needs. After a period when you are no more eligible to stay covered under your parent's policy, your own health insurance helps you at times of need.
Your ideal sum insured or total coverage would highly depend on factors such as your current age, lifestyle, medical history, income and place of residence. Looking at the medical inflation, most of our customers prefer a health insurance policy with a sum insured of 5 lacs and above.
Health Insurance covers not just major illnesses arising due to infection and accidents which can affect anyone at any point of time in life. Hence health insurance is equally important for a fitness expert or an athlete.
Absolutely! With employee health cover the major drawbacks come in picture when you leave your job that's when your policy goes out of action and exposes you to health risks. Your new employer may or may not cover you sufficiently. Also, having your own policy means a better buying decision and complete control to buy a cover which suits your requirement from time to time.
Yes! We do cover you subject to no adverse medical conditions due to same.
Register your claim within 7 days of hospitalization and send us a duly signed claim form along with all the mentioned documents within 15 days and you are done. The approved claim will be paid within 3 days. In case you are admitted to any of our network hospitals, you can easily avail the cashless facility where we would directly reimburse all the admissible expenses to the hospital. 
You can raise a claim via our mobile application my:health active. At HDFC ERGO, 90% reimbursement claims are settled within 3 days and ~90% are cashless claims are pre-authorized within 20 minutes.

For hospitalization/claim, you can reach us at healthclaims@hdfcergo.com or

Call: 022 6234 6234

Fax: 1860 2000 600

You can also register your claim through our mobile app and website.

What Our Customer's Say

Praveen Kumar K
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