Learn about HDFC ERGO Health Insurance Plans

Are you interested in finding out about the best HDFC ERGO health insurance plans? Well, you have come to the right place. Let us discuss the top 11 health insurance plans offered by HDFC ERGO and their features.

Top 11 HDFC ERGO Health Insurance Plans

My:Health Koti Suraksha Plan

It is a long-term health plan that offers a sum insured up to Rs 1 Crore. This plan guards the policyholder against hospitalization expenses, critical illness treatments, from the expense of major surgical procedures, daycare treatments, and much more.

This plan also provides other bonuses like wellness coaching, health coach, free preventive health check-up, etc.
Because of its more than sufficient coverage it is an ideal family floater plan, where one can cover their family members in a single policy.

Plan features

This plan covers hospitalization expenses due to any illnesses or injuries.
60 days pre and 180 days post-hospitalization expenses are covered under the plan.
The plan covers all daycare treatments.
Alternative treatments like Ayush, homeopathy, etc are covered in the policy.
Road ambulance charges are included in the policy.
Organ donor treatments are covered under the policy.
Free health check-up on policy renewal.

Plan specifications

Age entry- 18 years- 65 years
Sum insured- Rs 1 Crore
Renewability- Lifelong

Hdfc ERGO Optima Restore Plan

This plan comes with a unique sum refill benefit that automatically reinstatements the sum assured once the policyholder runs out of coverage due to prior claims. It also offers a multiplier benefit which increases the sum insured maximum up to 100% as a reward for claim-free years.

Plan features

This plan covers hospitalization expenses and all daycare procedures.
Receive the benefit of 100% sum refill in case of coverage exhaustion due to the previous claim.
50% increase of sum insured, maximum up to 100% under multiplier benefit for claim-free years.
This plan covers 60-day pre and 180 days of post-hospitalization expenses
Organ donor expenses are covered up to the sum insured.
Ambulance charges covered up to Rs 2,000 per hospitalization.
Free E-opinion available once a year for any critical illness.

Plan specification

Age entry- 18 years- 65 years
Sum insured- Rs 3 Lakh – Rs 50 Lakh
Renewability- Lifelong

HDFC ERGO My Health Suraksha Plan

This is a complete healthcare plan that comes with numerous advantages like sum refill benefit, a no claim bonus feature that increases your sum insured after every claim-free year, recovery benefit, and much more.
It is available in 3 variants – Silver, Gold, and Platinum Smart Plan.

Plan specifications

This plan covers hospitalization, domiciliary expenses, and daycare treatments.
Expenses incurred in the treatment of any psychiatric illnesses are covered under the plan.
This plan covers 60-day pre and 180 days of post-hospitalization expenses.
Receive fixed sum of amount under-recovery benefit if you are hospitalized for more than 10 days
Coverage for organ donor expenses and Ayush inpatient treatment available.
Sum refill benefit that automatically reinstates base sum insured due to the previous claim.

Plan specification

Age Entry- 18 years- 65 years
Sum insured- Rs 3 Lakh – Rs 50 Lakh
Renewability- Lifelong

HDFC ERGGO My Health Medisure Super Top-Up Plan

This is a super top-up plan that will spring into effect when the policyholder has exceeded the coverage limit of their initial health plan or once the deductible under the plan is paid. This plan covers hospitalization expenses, all daycare treatments, pre-post hospitalization expenses, so on at an affordable premium. It is available on a family floater and individual coverage basis.

Plan features

This plan covers hospitalization and all domiciliary expenses.
Most daycare procedures are covered under the policy.
Pre and post-hospitalization expenses are taken care of in the policy.
No health checkups up to Age 55 years.

Plan specifications

Age entry- 18 years – 65 years
Sum insured- 3 Lakh – 20 Lakh

HDFC ERGO My Health Women Suraksha Plan

True to its name, this plan is specially intended for women to financially protect against 41 types of women-specific critical ailments and surgical procedures. It covers illnesses like breast cancer, ovarian cancer, and more.
This plan is available in 3 kinds of variants:-

Women Cancer plus Plan
Women CI Essential Plan
Women CI Comprehensive Plan

Plan features

Coverage towards critical illness treatments and surgical procedures.
Free preventive health check-ups available.
In case of job loss due to illness, the company will pay 50% of the salary for up to 6 months.
Maternity and newborn baby expenses covered up to 25% of SI or up to Rs 500,000.
Second opinion consultations covered up to Rs 10,000.

Plan specifications

Age entry- 18years – 65 years
Sum insured- Rs 1 Lakh – Rs 1 Crore

HDFC ERGO Critical Illness Insurance Plan

This is a cash benefit policy that financially secures the policyholder against 15 critical illnesses and conditions. In this plan, the policyholder will receive a lump sum payout when positively diagnosed with any of the set listed diseases mentioned under the policy.

This plan comes in two kinds of variants- Silver and Platinum Plan

Silver Plan- 8 critical illnesses covered
Platinum Plan- 15 critical illnesses covered

Plan features

Receive 100% sum insured in the event of a positive diagnosis of the mentioned illness.

Plan specification

Age entry- 5 years to 65 years
Sum insured- Rs 5 Lakh – Rs 10 lakh
Renewability- Lifelong

HDFC ERGO iCAN Health Insurance Plan

This is a cancer-specific plan that is intended to cover the policyholder against hospitalization expenses incurred in the treatment of cancer. It covers the cost of all conventional cancer treatments like chemotherapy, radiotherapy, etc.
This plan comes in two variants- Essential and Enhanced Plan.

Plan features

This policy covers hospitalization expenses and procedures in the treatment of cancer.
30 days pre and 60 days post-hospitalization expenses are covered under the policy.
Cost of follow-up treatments covered up to Rs 3000 twice a year.
Emergency ambulance charges covered up to Rs 2000 per hospitalization.

Plan specifications

Age entry- 5 years – 95 years
Sum insured- Rs 5 Lakh- Rs 50 Lakh

HDFC ERGO Energy Diabetes Plan

This health plan is specially intended for persons suffering from diabetes and hypertension. It covers the cost of all hospitalization expenses from day 1 incurred in the treatment of diabetes or hypertension. This plan also provides the benefit of 100% sum restoration of the sum insured in case the policyholder runs out of coverage. It is available in two variants- Silver and Gold Plan.

Plan features

This plan covers hospitalization expenses arising out of diabetes, hypertension, and its complications.
100% sum refill benefit once a year.
30 days pre and 60 days post-hospitalization expenses are covered.
Emergency road ambulance up to Rs. 2000 per hospitalization.
HbA1C tests are covered up to Rs 750 per policy year.
The plan provides coverage towards organ donor expenses.
180+ daycare procedures are covered.

Plan specifications

Age entry- 18 years onwards
Sum insured- Rs 1 Lakh – 25 Lakh
Renewability- Lifelong

HDFC ERGO Arogya Sanjeevani Plan

Arogya Sanjeevani is an affordable health policy that guards the insured against medical expenditures up to the sum insured. This plan covers the cost of medical treatments arising out of any illness or accident. Multiple advanced treatments like stem cell therapy, robotic surgeries, etc are also covered under the policy. This plan is available on an individual as well as a family floater basis.

Plan features

This plan covers hospitalization and domiciliary expenses.
Multiple daycare treatments and procedures are covered under the plan.
30 days pre and 60 days post-hospitalization expenses are covered.
This plan covers the cost of dental treatment if necessitated due to an accident.
The cost of cataract treatment is covered up to 25% of SI or a maximum of Rs 40,000.
Ayush treatment is covered in the policy.
Multiple advanced treatments are covered up to 50% of the sum insured.
Up to 50% increase of sum as no claim bonus during claim-free years.

Plan specifications

Age entry- 18 years -65 years
Sum insured- Rs 50,000 – Rs 10 Lakh
Renewability- Lifelong

HDFC ERGO Corona Kavach plan

It is a short-term plan that is dedicated to protecting the policyholder against the hospitalization expenses incurred in the treatment of COVID-19.

Plan features

This plan covers hospitalization and domiciliary expenses arising in the treatment of COVID-19.
15 days pre and 30 days post-hospitalization expenses are covered.
This plan also pays for homecare treatment of the insured up to a maximum period of 14 days.
Ambulance charges covered up to Rs 2000.

Plan specifications

Age entry- 1 day – 65 years
Sum insured- Rs 50,000 – Rs 5 Lakh
Policy Tenure- 3.5 month, 6.5 month, 9.5 month

HDFC ERGO I health wallet

This is a unique plan that comes with a reserve benefit, that carries forward the unused value of the policy coverage to the next year. The policyholder can gain up to a 6% bonus on it during renewal. It also offers additional benefits like cumulative and sum refill benefits. This plan can be purchased on an individual or family coverage basis.

Plan features

This plan covers all hospitalization expenses and 182 daycare procedures.
Receive the benefit of 100% sum reinstatement once a year.
50% increase of sum insured, max up to 100% as cumulative bonus during the claim-free year.
60 days pre and 90 days post-hospitalization charges are covered.
Free preventive health check-ups every year.
Emergency ambulance charges covered up to Rs 2000.
Organ donor expenses are covered in the plan.