HDFC ERGO Health Insurance for Family
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HDFC ERGO Health Insurance for Family
HDFC ERGO Health Insurance for family provides comprehensive medical coverage to all members of a family under a single coverage amount. This family floater health insurance plan offered by the HDFC ERGO General Insurance Company covers the health needs of the entire family regardless of their age. Moreover, health insurance plans for family come with the restoration benefit that recharges the sum insured by 100% in case of partial or full exhaustion before renewal.
HDFC ERGO Health Insurance Plans for Family
Check out the list of HDFC ERGO health insurance plans for family available in the market:
| Plan Name | Sum Insured (Rs) | Pre-existing Diseases Waiting Period |
| HDFC ERGO Optima Secure Plan | 5 lakh to 2 crore | 3 years |
| HDFC ERGO my:health Suraksha Plan | 1 lakh to 5 crore | 4 years |
| HDFC ERGO Optima Restore Plan | 3 lakh to 1 crore | 3 years |
| HDFC ERGO Easy Health Insurance Plan | 1 lakh to 50 lakh | 3 years |
| HDFC ERGO Health Wallet Plan | 3 lakh to 50 lakh | 3 years |
Eligibility Criteria for HDFC ERGO Health Insurance for Family
Here are the eligibility criteria to buy HDFC ERGO health insurance for family:
| Categories | Eligibility Criteria | |
| Adult | Child | |
| Minimum Entry Age | 18 years | 91 days |
| Maximum Entry Age | 65 years No age limit (For my:health Suraksha plan) |
25 years |
| Family Members Covered | Self, spouse, dependent children, father, mother, father-in-law and mother-in-law | |
| Renewability | Lifetime | |
Key Benefits of HDFC ERGO Health Insurance for Family
Take a look at the key benefits of buying HDFC ERGO health insurance for family:
- Multiple sum insured options ranging from Rs 1 lakh to Rs 5 lakh are available
- Stay Active benefit provides a renewal discount of up to 8% on completing the step count target
- Preventive health check-ups and multiplier benefit are available
- Automatic restore benefit is available once a year
- my:health Active benefit offering fitness discount@renewal, health incentives and wellness services are available
- Cumulative bonus is granted at every claim-free year
- Tax deductions on paid premiums can be claimed under Section 80D of the Income Tax Act
- Up to 50% discount available on opting for aggregate deductible under the Optima Secure plan
- 40% discount to NRIs under the Optima Secure plan
- Up to 10% family discount is available on including family members in a single policy
- Up to 10% discount on opting for 2/3 year policy tenure
- Up to 10% loyalty discount for existing HDFC ERGO customers
- 5% discount is available on buying the policy online
Choose Health Insurance Company for Family
Inclusions of HDFC ERGO Health Insurance for Family
An HDFC ERGO health insurance policy for family covers the following:
| Coverage Benefits | HDFC ERGO Optima Secure Plan | HDFC ERGO my:health Suraksha Plan | HDFC ERGO Optima Restore Plan | HDFC ERGO Easy Health Insurance Plan | HDFC ERGO Health Wallet Plan |
| In-patient Treatment | ✓ | ✓ | ✓ | ✓ | ✓ |
| Pre-hospitalization Expenses | ✓ | ✓ | ✓ | ✓ | ✓ |
| Post-hospitalization Expenses | ✓ | ✓ | ✓ | ✓ | ✓ |
| Day Care Procedures | ✓ | ✓ | ✓ | ✓ | ✓ |
| Domiciliary Treatment | ✓ | ✓ | ✓ | ✓ | ✓ |
| Organ Donor Cover | ✓ | ✓ | ✓ | ✓ | ✓ |
| Road Ambulance Cover | ✓ | ✓ | ✓ | ✓ | ✓ |
| AYUSH Benefit/ Alternative Treatment | ✓ | ✓ | X | ✓ | ✓ |
| Home Healthcare | ✓ | ✓ | X | ✓ | X |
| Recovery Benefit | X | X | X | ✓ | ✓ |
| Daily Cash for Choosing Shared Accommodation | X | X | ✓ | ✓ | X |
| Emergency Air Ambulance Cover | X | X | ✓ | ✓ | X |
| Daily Cash for Accompanying an Insured Child | X | X | X | ✓ | X |
| Maternity Expenses | X | X | X | ✓ (under Exclusive plan) |
X |
| Newborn Baby Expenses | X | X | X | ✓ | X |
| Worldwide Emergency Care | X | X | X | X | ✓ |
| Reserve benefit | X | X | X | X | ✓ |
| E-Opinion for Critical Illness | X | X | ✓ | X | X |
| Optional Covers | |||||
| Aggregate Deductible | ✓ | X | X | X | ✓ |
| Air Ambulance Cover | ✓ | ✓ | X | X | X |
| E-Opinion | ✓ | ✓ | X | X | X |
| Global Health Cover | ✓ | ✓ | X | X | X |
| Critical Illness Cover | X | X | X | ✓ | X |
| Preventive Health Check-up Booster | X | ✓ | X | X | X |
| Parent and Child Cover – Basic | X | ✓ | X | X | X |
| Parent and Child Cover – Booster | X | ✓ | X | X | X |
| Recovery Benefit | X | ✓ | X | X | X |
| Sum Insured Rebound | X | ✓ | X | X | X |
| Outpatient Dental Treatment | X | ✓ | X | X | X |
| External Medical Aids | X | ✓ | X | X | X |
| Major Illness Hospitalization Expenses | X | ✓ | X | X | X |
| Non-Medical Expenses Cover | X | ✓ | X | X | X |
| Waiting Period Modification Option | X | ✓ | X | X | X |
| Extended Cumulative Bonus | X | ✓ | X | X | X |
| Rom Rent Modification Option | X | ✓ | X | X | X |
| Co-Payment | X | ✓ | X | X | X |
| Major Illness Benefit | X | ✓ | X | X | X |
| Hospital Cash Cover | X | ✓ | X | X | X |
| Daily Cash for Choosing Shared Room | ✓ | X | X | X | X |
| Protect Benefit | ✓ | X | X | X | X |
| Plus Benefit | ✓ | X | X | X | X |
| Secure Benefit | ✓ | X | X | X | X |
| Automatic Restore Benefit | ✓ | X | X | X | X |
| Waiver of Aggregate Deductible | ✓ | X | X | X | X |
| Global Health Cover (Emergency Treatments Only | ✓ | X | X | X | X |
| Overseas Travel Secure | ✓ | X | X | X | X |
| Unlimited Restore Benefit | X | X | ✓ | X | X |
Exclusions of HDFC ERGO Health Insurance for Family
The following medical expenses are excluded from HDFC ERGO health insurance for family:
- Dental treatment
- Cosmetic surgery
- Treatment for alcohol or drug addiction
- Non-medical expenses
- Intentional self-injury
- Injuries due to hazardous and adventure sports
- Congenital external diseases
FAQs
-
Q1. What are the waiting periods for HDFC ERGO health insurance for family?
Ans: The following waiting periods apply to HDFC ERGO health insurance for family:- Initial waiting period – 30 days
- Specific disease waiting period – 2 years
- Pre-existing disease waiting period – 3/4 years
- Parent and Child Cover – Basic Waiting Period – 4 years
- Parent and Child Cover – Booster Waiting Period – 4 years
- Major Illness benefit – 90 days
-
Q2. How do I check the premium of my HDFC ERGO health insurance for family?
Ans: You can check your HDFC ERGO family floater premium chart to know the premium of the plan you wish to buy. -
Q3. Does my HDFC ERGO health insurance for family come with a co-payment?
Ans: No. The HDFC ERGO health insurance plans for family do not come with any co-payment unless you opt for it.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
HDFC ERGO Health Insurance Plans
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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