Q1. What medical expenses are covered under HDFC ERGO Health Insurance for Parents?a>

Ans: The policy covers various medical expenses such as hospitalization expenses, home health care, domiciliary hospitalization, AYUSH treatment, pre-hospitalization costs, post-hospitalization expenses, organ donor expenses, and cumulative bonuses

Q2. What do the hospitalization expenses cover under HDFC ERGO Health Insurance for Parents?

Ans: The hospitalization expenses cover include room rent, boarding, nursing expenses, ICU/ICCU expenses, fees of surgeons, anaesthetists, medical practitioners, consultants, and specialists, investigative treatments, diagnostic procedures, prescribed medicines and drugs, intravenous fluids, blood transfusion, surgical appliances, operation theatre charges, and the cost of prosthetics and other devices or equipment implanted internally during surgery.

Q3. What is domiciliary hospitalization coverage?

Ans: Domiciliary hospitalization coverage includes medical expenses incurred on treatment taken at home when the insured person cannot be moved to a hospital or when the treatment is taken at home due to the non-availability of a room in a hospital.

Q4. Is home health care covered under HDFC ERGO Health Insurance for Parents?

Ans: Yes, HDFC ERGO Health Insurance for Parents provides coverage for medical expenses incurred on availing treatment at home, provided the treatment would require in-patient care at a hospital and is pre-authorized by the company. This cover is not available on a reimbursement basis.

Q5. How does the Super Top-up Health Insurance Policy work?

Ans: If you have an existing health insurance cover, your current policy will pay the first part of a claim amount, and the Super Top-up Policy will pay the rest. For example, if you have a health insurance cover of Rs. 2 lakhs and buy an additional Rs. 8 lakhs through a Super Top Up plan, you will have a total coverage of Rs. 10 lakhs.

HDFC ERGO Health Insurance for Parents

HDFC ERGO Health Insurance for Parents are meticulously crafted to offer all-encompassing medical coverage. Tailored to address the specific healthcare needs of parents, these plans extend comprehensive coverage for medical expenses commonly associated with this age group. HDFC ERGO General Insurance offers many valuable benefits, including annual health check-ups and coverage for organ donor expenses, carefully designed to provide crucial support for parents in their senior years. With these plans, the parents can confidently secure their healthcare needs.

HDFC ERGO Health Insurance Plans for Parents

Explore the diverse health insurance plans offered by HDFC ERGO, specifically designed for parents:

Plan Name	Sum Insured	Pre-existing Diseases Waiting Period	Co-Payment
Optima Secure	Rs 5 lakhs to Rs 2 crores	3 years	-
Optima Restore	Rs 3 lakhs to Rs 50 lakhs	3 years	-
my: health Suraksha	Rs 3 lakhs to Rs 75 lakhs	3 years	20% co-payment if Tier 2 premiums are paid but treatment is availed in Tier 1 cities
my: health Koti Suraksha	Rs 1 Crore	4 years	20% co-payment for all lives with PED at inception, and lives with age at entry above 60 years
Medisure Super Top-Up	Rs 2 lakhs to Rs 20 lakhs	3 years	10% for each claim for individuals above 80 years

Choose Health Insurance Company for Parents

Aditya Birla Health Insurance for Parents

Bajaj Allianz Health Insurance for Parents

Care Health Insurance for Parents

Digit Health Insurance for Parents

Future Generali Health Insurance for Parents

HDFC ERGO Health Insurance for Parents

ICICI Lombard Health Insurance for Parents

IFFCO Tokio Health Insurance for Parents

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Eligibility Criteria for HDFC ERGO Health Insurance for Parents

The following are the requirements that must be met to be eligible for purchasing HDFC ERGO Health Insurance for parents:

Plan Name	Minimum Entry Age	Maximum Entry Age	Renewability
Optima Secure	18 years	65 years	Lifelong
Optima Restore	18 years	65 years	Lifelong
my: health Suraksha	18 years	Lifetime Entry	Lifelong
my: health Koti Suraksha	18 years	65 years	Lifelong
Medisure Super Top-Up	18 years	65 years	Lifelong

Key Benefits of HDFC ERGO Health Insurance for Parents

The following outlines the key advantages of buying HDFC ERGO Health Insurance for Parents:

Emergency medical assistance service is provided within India and abroad.
Comprehensive health check-up facilities are offered once a year.
Cumulative Bonus (CB) is available, which increases by 10% of the Base Sum Insured for each claim-free policy year, subject to a maximum cap of 100% of the Base Sum Insured.
Home health care is covered, allowing for medical treatment at home if prescribed by a medical practitioner.
Domiciliary hospitalization expenses are covered, including medical expenses incurred when treatment is taken at home due to the non-availability of a hospital room or the patient's condition.
AYUSH treatment providing reimbursement for inpatient care under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy systems of medicine.
Pre-hospitalization expenses for up to 60 days immediately prior to the date of admissible hospitalization covered under the policy.
Post-hospitalization expenses for up to 180 days from the date of discharge from the hospital following an admissible hospitalization claim under the policy.
Organ donor expenses are covered, including medical expenses incurred by the insured person during the policy year towards the organ donor's hospitalization for harvesting of the donated organ, subject to certain conditions.
Auto Restoration of Sum Insured: If the sum insured is utilized during the year, it will be automatically restored.

Inclusions of HDFC ERGO Health Insurance for Parents

HDFC ERGO Health Insurance for parents encompasses a range of coverage elements, such as:

Coverage	Optima Secure	Optima Restore	my: health Suraksha	my: health Koti Suraksha	Medisure Super Top UpTop-Up
In-patient hospitalization expenses	✓	✓	✓	✓	✓
Pre-hospitalization medical expenses	✓	✓	✓	✓	✓
Post-hospitalization medical expenses	✓	✓	✓	✓	✓
Day care treatment	✓	✓	✓	✓	✓
Domiciliary hospitalization	✓	✓	✓	✓	X
Road ambulance cover	✓	✓	✓	✓	X
Organ donor expenses	✓	✓	✓	✓	X
AYUSH treatment	✓	X	✓	✓	X
International emergency assistance services	X	X	X	✓ (under Emergency Worldwide Coverage)	X
Second e-opinion on major illnesses	X	✓	X	X	X
Home treatment	✓	X	✓	✓ (under Home Healthcare)	X
Modern treatments	X	✓	X	✓ (under Procedure Sub-limits)	X
Personal health coach	X	X	✓	✓ (under Health Coach)	X
Mental Illness Hospitalization	X	X	✓	✓	X
Obesity treatment	X	✓ (if specified conditions are met)	X	X	X
Recovery benefit	X	✓	✓	X	X
Expert health coach	X	X	X	✓ (under Health Coach)	X
International coverage for major illnesses	X	X	X	✓ (under Overseas Treatment)	X
Daily allowance	X	✓ (for choosing shared accommodation)	X	X	X

Optional Inclusions (Purchased as Add-ons)

Below is a compilation of additional coverage options available for selection when purchasing HDFC ERGO Health Insurance for Parents:

Global Health Cover (Emergency & Planned Treatments)
Overseas Travel Secure
Air ambulance cover
Recovery Benefit
Unlimited Restore
Non-Medical Expenses Cover
Aggregate Deductible
Waiver of Disease Capping
Waiver of Room Rent
Waiting Period Modification Option
Sum Insured Rebound
Waiver of Co-Payment

Exclusions of HDFC ERGO Health Insurance for Parents

Medical expenses for certain treatments listed below are not covered under HDFC ERGO Health Insurance for Parents, including:

Treatments for alcohol addiction or any drug or substance abuse.
Surgical treatment for obesity that does not meet the specified conditions.
Cost of contact lenses, spectacles, hearing aids, and other corrective devices.
Cosmetic or plastic surgery, unless it is for reconstruction following an accident, burn, cancer, or as part of medically necessary treatment.
Treatment for baldness, including corticosteroids and topical immunotherapy.
Intentional self-injury or attempted suicide.
Non-medical expenses, such as food charges, laundry charges, attendant charges, and ambulance equipment.
War or any act of war, civil war, rebellion, revolution, or nuclear, chemical, or biological attack.
Investigative treatments for sleep apnea, general debility, or exhaustion.
Congenital external diseases, defects, or anomalies.

FAQs

Q1. What medical expenses are covered under HDFC ERGO Health Insurance for Parents?a>

Ans: The policy covers various medical expenses such as hospitalization expenses, home health care, domiciliary hospitalization, AYUSH treatment, pre-hospitalization costs, post-hospitalization expenses, organ donor expenses, and cumulative bonuses
Q2. What do the hospitalization expenses cover under HDFC ERGO Health Insurance for Parents?

Ans: The hospitalization expenses cover include room rent, boarding, nursing expenses, ICU/ICCU expenses, fees of surgeons, anaesthetists, medical practitioners, consultants, and specialists, investigative treatments, diagnostic procedures, prescribed medicines and drugs, intravenous fluids, blood transfusion, surgical appliances, operation theatre charges, and the cost of prosthetics and other devices or equipment implanted internally during surgery.
Q3. What is domiciliary hospitalization coverage?

Ans: Domiciliary hospitalization coverage includes medical expenses incurred on treatment taken at home when the insured person cannot be moved to a hospital or when the treatment is taken at home due to the non-availability of a room in a hospital.
Q4. Is home health care covered under HDFC ERGO Health Insurance for Parents?

Ans: Yes, HDFC ERGO Health Insurance for Parents provides coverage for medical expenses incurred on availing treatment at home, provided the treatment would require in-patient care at a hospital and is pre-authorized by the company. This cover is not available on a reimbursement basis.
Q5. How does the Super Top-up Health Insurance Policy work?

Ans: If you have an existing health insurance cover, your current policy will pay the first part of a claim amount, and the Super Top-up Policy will pay the rest. For example, if you have a health insurance cover of Rs. 2 lakhs and buy an additional Rs. 8 lakhs through a Super Top Up plan, you will have a total coverage of Rs. 10 lakhs.

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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

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