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Medical Insurance Plans for Your Parents

Parents put in a lot of hard work to bring us up and make us the individual we are today. They’ve invested their time, finances and efforts just to nurture us throughout their lives. By passing time they grow old and need care and affection. It’s our duty to look after them, especially when they are unwell or undergo treatments. With growing age their immunity slows down leading to multiple healths related issues. Inflating medical costs, doctor fees and treatment expenses may leave a dent on your savings. For timely treatment and health check-ups it’s advisable to opt for health insurance plan.

Opting health insurance policies for parents shall not only offer financial assistance but also keep stress and impromptu medical expenses at bay. With the right health insurance policy, they’ll acquire the best medical attention even when you are not around. Keeping in mind the growing medical needs of your parents HDFC ERGO offers Health Suraksha Insurance Plan & myhealth: Medisure Classic Insurance for securing the health related necessities of your parents.

Medisure Classic Insurance

Health Suraksha is uniquely designed to protect your parents. It provides maximum coverage at an affordable cost. Choosing Health Suraksha will indeed give your family a complete protection and safeguards you from spiralling medical expenses. You can also add health Suraksha plan with your employee health insurance for a larger cover.

Eligibility

  • Anybody above the age of 18 years can be the proposer in this policy, there’s no maximum age restriction
  • Children between 91 days and 21 years are covered. Children below 5 years get covered only if both the parents are covered under the policy.

Who all are covered under the Parents health insurance?

Medisure classic is a well-customized family floater policy that covers you, your spouse, kids, and parents. You can also avail to cover your in laws and siblings.

Why choose Health Suraksha Plan?

  • Freedom to choose tenure of the policy; it can be either for one or two year.
  • 10% discount for a two years health policy
  • Avail 5% Cumulative Bonus at the end of each claim-free year.
  • Free health check-ups on completing 4 claim-free years
  • Massive chain of 6000+ network hospitals for cashless treatment
  • Tax savings under Section 80D of the Income Tax Act
  • Minimum Documentation
  • Hassle-free claim settlement procedure
  • No restrictions on hospital expenses such as room rent, doctor fees and medicine costs.
  • No entry age restriction
  • Maternity cover for Mother + New born
  • Lifelong renewability

Benefits of buying HDFC ERGO Health Insurance Policy Online?

With fast-forward lifestyle there’s a constant rush every time. Busy schedules, meetings and family engagements keep us tied up every time. Even if you choose to invest in a health insurance policy, you have to set up a meeting and make a buying decision for the right policy. To cut out the waiting time and ensure quick buying, HDFC ERGO allows you to buy policies online. With loaded benefits, buying health insurance plan online will save your time and secure your health with a wider cover. Here’s a list of benefits you can avail while buying health insurance policies online.

  • Easy, convenient and time saving
  • On spot plan comparison
  • Multiple secured payment options
  • 24*7 Customer Support
  • Transparency
  • Instant policy

Visit www.hdfcergo.com for buying a new policy or renewing your existing policy, ready more details and make the right buying decision matching your needs.

What is covered?

  • In-patient Treatment due to illness and accident
  • Pre-hospitalization costs incurred 60 days prior hospitalization
  • Post-hospitalization costs incurred 90 days post discharge
  • Day care treatment, that do not require 24hrs hospitalization
  • Domiciliary Treatment, as advised by medical practitioner
  • Organ Donor Treatment 
  • Emergency Ambulance
  • Non Allopathic Treatment under AYUSH -  Ayurveda, Unani, Siddha and Homeopathy

(T&C apply. For detailed information on covers, please refer the policy wordings.)

What is not covered?

HIV/AIDS, medical expenses arising due to intoxication, plastic or cosmetic surgery, self-inflicted injuries, War related injuries.

(T&C apply. For detailed information on exclusion, please refer the policy wordings.)

Medisure Super Top Up Insurance For Parents

Our parents are the most treasured gifts from god. We’ve grown up with them and they’ve always been the strength of wall for guiding us throughout our life journey. Through our thick and thin days they have constantly extended their supporting hands by sacrificing their needs. Now, it’s our time to take care of their health and ensure they get quality medical attention promptly. With growing age they may need frequent medical assistance and the rising medical costs due to advancement in technologies will surely burn a hole in your savings. For meeting medical expenses without disrupting your future plan, it is essential to opt for a higher medical cover, to assist you in delivering the best medical attention to your parents.

HDFC ERGO brings my:health Medisure Super Top for meeting your parent’s endless medical needs. A Rs. 20 Lakh cover with rs. 5 lakh aggregate deductible, on individual sum insured basis, for your parents below 60 years will cost you only Rs. 7261 + taxes. In case you are yet to buy a health insurance for parents, you can take my:health Medisure Super Top Up as a fresh health insurance plan.

Even if you have an existing health cover for parents you can opt for my:health Medisure Super Top Up as an additional cover for increasing the existing health cover at an affordable premium. Additionally, Medisure Super Topup can be added up to any of your base policy that you hold, this base policy may or may not be with HDFC ERGO Health Insurance. For instance: You hold an existing health insurance plan with some other Indian Insurance Company, you can still add my:health Medisure Super Top Up to your current plan and increase the health cover. Isn’t it an amazing health insurance plan for parents?

FAQs

  • 1. What is a Pre-Existing Disease?

    Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and / or for which medical advice / treatment was received within 36months prior to the first policy issued by the insurer and renewed continuously thereafter.
  • 2. How does the Family Floater option in Medisure Classic operate?

    The Family Floater option in Health Insurance covers the family & the coverage is shared among the members of the family.
  • 3. I am a Foreign Citizen? Can I take a health policy for my child who is continuing further studies in India?

    Yes. The scope of cover age shall be restricted to treatment taken in hospitals in India during the policy period.
  • 4. Are naturopathy and homeopathy treatments covered under a health policy?

    Myhealth: Medisure Classic covers only Allopathic and Ayurvedic treatment as per the coverage, terms, conditions and exclusions of the Policy.

  • 5. Does Myhealth: Medisure Classic Insurance cover diagnostic charges like X-ray, MRI or ultrasound?

    Health Myhealth: Medisure Classic Insurance covers all diagnostic test like X- ray, MRI, blood tests as within the scope of policy during in-patient treatment. Hospitalization over 24hrs patients is mandatory. Any diagnostic tests which do not lead to hospitalization or which have been prescribed as Out-patient are not covered.
  • 6. I have an insurance cover provided by my employer for Rs.400, 000 covering my entire family. Can I still take another policy from you?

    Yes, you can take a cover from us also mentioning about the existing policy details. This will help you to give your family additional health protection.
  • 7. What is Co-Payment?

    It is a cost sharing requirement under a health insurance policy that provides that the Insured will bear a specific percentage of the admissible costs. A co-payment is applicable on a claim and does not impact the Sum Insured.
  • 8. What is the age limit for taking this policy?

    Entry Age : 3 months to 23 years for dependent children (cover starts from 91 days of age)
    For Proposer minimum 18 years must be complete.
    Life time entry is allowed
    Optional Double Sum Insured for Critical Illness can be availed only up to the age of 65 years
  • 9. Is health-checkup required while purchasing Myhealth: Medisure Classic?

    Pre Acceptance Medical tests are waived off until 50 years of age for all proposed members in Myhealth: Medisure Classic, subject to no pre-existing diseases. The completed age as on the date of proposal is considered to decide on medical test requirement.
  • 10. Who pays for the medical examination?

    Customer undergoing the Health check-up shall pay 50% of check-up charges to the diagnostic centre. In case the test is done at network diagnostic centre and policy is approved, we reimburse 50%
  • 11. Are cosmetic treatments or medical attention for cosmetic purposes covered?

    Plastic surgery or cosmetic surgery is covered only when it becomes medically necessary following an accident.
  • 12. Does Myhealth:Medisure Classic Insurance Policy offer coverage Worldwide?

    Myhealth:Medisure Classic Insurance Policy only covers medical treatment taken within India and payments under this policy shall only be made in Indian Rupees within India.
  • 13. What are the different modes of payment?

    Premium can be paid by multiple secure payment modes such as debit card, net banking, e-wallet and Credit Card.
  • 14. What if I cancel my policy mid-duration, i.e. before the policy expires?

    Cancellation can be requested by giving a request for cancellation. Refund will be on provided on Short Period Rates mentioned below.
    Period On Risk Rate Of Premium Refunded
    Upto 1 month 75% of annual rate
    Upto 3 months 50% of annual rate
    Upto 6 months 25% of annual rate
    Exceeding six months Nil
    Minimum premium of Rs.250 will be retained towards administrative charges only when the calculated refund amount is less than Rs.250. Please note that the above mentioned grid is applicable in case of zero claims during the current policy period.
  • 15. How can I add family Members to my existing Policy?

    Newly married spouse and New Born Child (91 days intimated for addition can be accepted up to 6 months on written declaration by the Proposer and Birth certificate copy) can be added during the mid-term as well. Once the new born completes 6 months, addition can be done at the next renewal only.
  • 16. New Born Child (can be added once the baby is 91 days intimated for addition can be accepted upto 6 months on written declaration by the Proposer and Birth certificate copy)

  • 17. What is the renewal process?

    Your policy remains continuous if you pay within 30 days from the date of expiry. Subject to policy received date by the insurance company.
  • 18. Can a customer opt or Delete waiver of sublimit / critical illness in the renewal year?

    Yes, customer can opt or delete waiver of sub-limit / critical illness in the renewal year however Critical illness can be opted upto 65 years only and addition of waiver at Renewal is subject to Medical UW approval.
  • 20. How long can I continue to renew Myhealth: Medisure Classic Insurance Policy?

    Life time renewability can be done subject no break in policy. Renewals will be available for life time and will not be denied except in case of Fraud, Non- disclosure, mis-representation or non-cooperation from your side.
  • 21. What are the renewal terms for a person who has claimed under CI benefit?

    On renewal the particular CI for which claim has been paid will be excluded. Rest of the Critical Illness will continue to get covered.


myhealth: Medisure Classic Insurance

HDFC ERGO presents myhealth: Medisure Classic insurance, a health insurance plan that helps in meeting your medical necessities. You can also add myhealth: Medisure Classic insurance with your employee health insurance for a larger cover to safeguard your parents. This health insurance policy is designed to ensure complete well-being and total protection. myhealth: Medisure Classic shall offer protective cover for your parents and also reduce the financial burden arising due to unpredictable expenses.

Eligibility

  • Anybody above the age of 91 days can opt for myhealth: Medisure Classic Health Insurance

Who all are covered under the myhealth: Medisure Classic health insurance?

myhealth: Medisure Classic is a well-customized family floater policy that covers you, your spouse, kids, and parents.

Why choose Medisure Classic?

  • Lifetime Entry , no upper age limit
  • Minimum Premium
  • Unlimited Day Care Treatments
  • Option to choose Double Sum Insured for critical illness, as add-on
  • Option for waiving off room rent capping
  • Hospital Cash
  • Recovery Benefit
  • Freedom to choose tenure of the policy; it can be either for one or two year.
  • Avail 5% Cumulative Bonus at the end of each claim-free year.
  • Massive chain of 6000+ network hospitals for cashless treatment
  • Tax savings under Section 80D of the Income Tax Act
  • Lifelong renewability

Benefits of buying HDFC ERGO Health Insurance Policy Online?

With fast-forward lifestyle there’s a constant rush every time. Busy schedules, meetings and family engagements keep us tied up every time. Even if you choose to invest in a health insurance policy, you have to set up a meeting and make a buying decision for the right policy. To cut out the waiting time and ensure quick buying, HDFC ERGO allows you to buy policies online. With loaded benefits, buying health insurance plan online will save your time and secure your health with a wider cover. Here’s a list of benefits you must avail while buying online health insurance policies.

  • Easy, convenient and time saving
  • On spot plan comparison
  • Multiple secured payment options
  • 24*7 Customer Support
  • Transparency
  • Instant policy

What is covered?

  • In-patient Treatment due to illness and accident
  • Hospitalization due to illness, accident or injury
  • Pre-hospitalization costs incurred 30 days prior hospitalization
  • Post-hospitalization costs incurred 60 days post discharge
  • Day care treatment, that do not require 24hrs hospitalization
  • Ayurvedic Treatment costs upto 25,000 on hospitalization
  • Pre-existing diseases, after a waiting period of 3 years
  • Maternity + New born
  • Emergency Ambulance

(T&C apply. For detailed information on covers, please refer the policy wordings.)

What is not covered?

HIV/AIDS, medical expenses arising due to intoxication, plastic or cosmetic surgery, self-inflicted injuries, War related injuries.

(T&C apply. For detailed information on exclusion, please refer the policy wordings.)

FAQs

  • 1. What is a Pre-Existing Disease?

    Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and / or for which medical advice / treatment was received within 36months prior to the first policy issued by the insurer and renewed continuously thereafter.
  • 2. How does the Family Floater option in Myhealth: Medisure Classic operates?

    The Family Floater option in Health Insurance covers the family & the coverage is shared among the members of the family.
  • 3. I am a Foreign Citizen? Can I take a health policy for my child who is continuing further studies in India?

    Yes. The scope of cover age shall be restricted to treatment taken in hospitals in India during the policy period.
  • 4. Are naturopathy and homeopathy treatments covered under a health policy?

    Myhealth: Medisure Classic covers only Allopathic and Ayurvedic treatment as per the coverage, terms, conditions and exclusions of the Policy.
  • 5. Does Myhealth: Medisure Classic Insurance cover diagnostic charges like X-ray, MRI or ultrasound?

    Health Myhealth: Medisure Classic Insurance covers all diagnostic test like X- ray, MRI, blood tests as within the scope of policy during in-patient treatment. Hospitalization over 24hrs patients is mandatory. Any diagnostic tests which do not lead to hospitalization or which have been prescribed as Out-patient are not covered.
  • 6. I have an insurance cover provided by my employer for Rs.400, 000 covering my entire family. Can I still take another policy from you?

    Yes, you can take a cover from us also mentioning about the existing policy details. This will help you to give your family additional health protection.
  • 7. What is Co-Payment?

    Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. A co-payment does not reduce the Sum Insured.
  • 8. What is the age limit for taking this policy?

    • Entry Age : 3 months to 23 years for dependent children (cover starts from 91 days of age)
    • For Proposer minimum 18 years must be complete.
    • Life time entry is allowed
    • Optional Double Sum Insured for Critical Illness can be availed only up to the age of 65 years
  • 9. Is health-checkup required while purchasing Myhealth: Medisure Classic?

    Pre Acceptance Medical tests are waived off until 50 years of age for all proposed members in Myhealth: Medisure Classic, subject to no pre-existing diseases. The completed age as on the date of proposal is considered to decide on medical test requirement.
  • 10. Who pays for the medical examination?

    Customer undergoing the Health check-up shall pay 50% of check-up charges to the diagnostic centre. In case the test is done at network diagnostic centre and policy is approved, we reimburse 50%
  • 11. Are cosmetic treatments or medical attention for cosmetic purposes covered?

    Plastic surgery or cosmetic surgery is covered only when it becomes medically necessary following an accident.
  • 12. Does Myhealth: Medisure Classic Insurance Policy offer coverage Worldwide?

    Myhealth: Medisure Classic Insurance Policy only covers medical treatment taken within India and payments under this policy shall only be made in Indian Rupees within India.
  • 13. What are the different modes of online payment?

    Premium can be paid by multiple secure payment modes such as debit card, net banking, e-wallet and Credit Card.
  • 14. What if I cancel my policy mid-duration, i.e. before the policy expires?

    Cancellation can be requested by giving a request for cancellation. Refund will be on provided on Short Period Rates mentioned below:
    Period On Risk Rate Of Premium Refunded
    Upto 1 month 75% of annual rate
    Upto 3 months 50% of annual rate
    Upto 6 months 25% of annual rate
    Exceeding six months Nil
    Minimum premium of Rs.250 will be retained towards administrative charges only when the calculated refund amount is less than Rs.250. Please note that the above mentioned grid is applicable in case of zero claims during the current policy period.
  • 15. How can I add family Members to my existing Policy?

    Newly married spouse and New Born Child (91 days intimated for addition can be accepted up to 6 months on written declaration by the Proposer and Birth certificate copy) can be added during the mid-term as well. Once the new born completes 6 months, addition can be done at the next renewal only.
  • 16. What is the renewal process?

    Your policy remains continuous if you pay within 30 days from the date of expiry. Subject to policy received date by the insurance company.
  • 17. Can a customer opt or Delete waiver of sublimit / critical illness in the renewal year?

    Yes, customer can opt or delete waiver of sub-limit / critical illness in the renewal year however Critical illness can be opted upto 65 years only and addition of waiver at Renewal is subject to Medical UW approval.
  • 18. How long can I continue to renew Myhealth: Medisure Classic Insurance Policy?

    Life time renewability can be done subject no break in policy. Renewals will be available for life time and will not be denied except in case of Fraud, Non- disclosure, mis-representation or non-cooperation from your side.
  • 19. What are the renewal terms for a person who has claimed under CI benefit?

    On renewal the particular CI for which claim has been paid will be excluded. Rest of the Critical Illness will continue to get covered.
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