HDFC ERGO Individual Health Insurance Plan

At the present time, health issues and medical conditions are no longer associated with old age only. These days young people are having lifestyle diseases and health conditions because of exposure to a variety of risks. With increasing health threats, there is an increasing need for health insurance in order to be prepared for any medical emergency. Health insurance not only prepares you for medical emergencies but allows you to focus on your recovery rather than worry about the treatment costs.

Individual health insurance covers the medical expenses of a single person. This type of health insurance covers every member of a family separately. In this article, we will learn about HDFC ERGO individual health insurance plans.

HDFC ERGO Health Insurance is one of the largest health insurance providers in the country. The company offers health insurance plans suitable for your growing medical needs and the ability to match rising medical inflation. Serving for the last 20 years, the company has a wide network of 13000+ hospitals offering cashless treatment facilities, a 1.5 crore+ customer base, and a 4.4 customer rating. With one of the fastest cashless claim settlement services, HDFC ERGO is one of the most trusted brands in the insurance industry.

There are three types of individual health insurance plans by HDFC ERGO.

• Indemnity health insurance plans

  An indemnity health insurance covers actual medical costs upto the sum insured, whether availed cashless or reimbursed. Following are the indemnity health insurance offered by HDFC ERGO.

  • Optima Secure -

    : The plan offers a sum insured from ₹ 5 lakhs to ₹ 2 crores and 4 times the sum insured at no extra cost. With multiple discount options, the plan also offers various benefits like a secure benefit, plus benefit, and protect benefit, which covers non-medical expenses.

  • my: health Suraksha -

    The plan provides affordable yet comprehensive coverage with a sum-insured rebound facility where the exhausted sum insured is reinstated. It provides coverage starting from ₹ 3 lakhs to ₹ 75 lakhs and is available in 3 variants: silver smart, gold smart and platinum smart.

  • Optima Restore -

    This plan is ideal for small families with coverage starting from ₹ 5 lakhs to ₹ 50 lakhs. The plan offers a restore benefit in which 100% of the sum insured is restored after the first claim. It also provides a multiplier benefit under which the sum insured is doubled after two consecutive claim-free years.

  • my: health Koti Suraksha -

    The plan offers coverage upto ₹ 1 crore at small prices. The plan covers unlimited daycare procedures. It has no capping on room rent, offers free preventive health check-ups and also easy access to health coaching and wellness services.

• Top-Up health insurance

  Top-up health insurance acts as a supplement to your existing health coverage. If your existing health coverage does not provide sufficient health coverage, you can buy a top-up plan for additional coverage. A top-up plan provides higher coverage at a lower premium.

  • my: health Medisure Super Top-Up -

    The plan offers upto ₹ 20 lakhs of top-up in addition to your existing cover. The premiums become constant after the age of 61, and no health check-ups are required till the age of 55.

• Fixed benefit health insurance

  This type of plan provides a fixed lump sum benefit irrespective of the actual cost. It helps in covering miscellaneous expenses due to critical illness or any other medical emergency.

  • Critical illness insurance -

    The plan covers upto 15 critical illnesses specified under the plan. A lump sum payment of upto ₹ 50 lakhs is paid on the diagnosis of critical illness. The plan is available in two variants: silver and platinum.

  • iCan Cancer Insurance -

    The plan provides coverage for all types of cancers and offers cashless treatment. The insured can avail 100% of the sum insured for treatment of cancer, and 60% of the sum insured is available for lump sum payout.

Given below are the coverages under the individual health insurance plans by HDFC ERGO.

• Hospitalisation expenses, including covid-19 treatment expenses.
• Pre and post-hospitalisation expenses of 60 and 180 days, respectively.
• Coverage for all day care treatments is also available.
• Preventive health check-ups are available at no cost within 60 days of renewal.
• Emergency air ambulance expenses are covered upto ₹ 5 lakhs.
• Road ambulance expenses are covered upto the sum insured.
• Daily hospital cash of ₹ 800 per day is available.
• E-opinion for 51 illnesses can be availed through a network provider.
• Home healthcare expenses are covered if treatment at home is taken as per the doctor’s advice.
• Organ donor expenses are covered if the insured is the recipient of the organ.
• Alternative treatments like AYUSH treatments are also covered.
• All individual health insurance plans are lifelong renewable.

HDFC ERGO General Insurance Company offers individual health insurance plans for everyone. The multiple benefits and coverages offered under these plans are suitable for all kinds of medical needs. The company has an excellent track record in claim settlement. Also, the pricing of the various health insurance products is very competitive and easy on the pocket. For more details on any of the individual health plans, refer to the policy document or visit the company website. You can also explore or purchase a plan from HDFC ERGO through the Coverfox website www.coverfox.com.