HDFC ERGO Health Insurance Riders

HDFC ERGO Health Insurance Riders

HDFC ERGO health insurance riders refer to the additional benefits that enhance the coverage level of the mediclaim policy. Policyholders can buy these riders from the HDFC ERGO General Insurance Company at the time of buying or renewing the policy on the payment of an extra premium amount.

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List of HDFC ERGO Health Insurance Riders in India

Here are the various HDFC ERGO health insurance riders available in India:

1. Waiting Period Modification Option

   The Waiting Period Modification rider modifies the pre-existing disease waiting period from 4 years to 2 years or 3 years. This rider is available under HDFC ERGO my:health Koti Suraksha, my:health Suraksha and my:credit Comprehensive Suraksha plans.

2. Loss of Job

   The Loss of Job rider pays a fixed amount if the insured voluntarily resigns from the job within six months of being diagnosed with a critical illness at a major stage or being operated for a major stage surgical procedure. This rider is available under HDFC ERGO my:health Critical Suraksha Plus, my:health Women Suraksha and my:credit Comprehensive Suraksha plans.

3. Aggregate Deductible

   The Aggregate Deductible rider enables the insurance company to pay the claim amount only after the policyholder bears the medical expenses for up to the specified aggregate deductible amount. This rider is available under HDFC ERGO Health Wallet, my:health Koti Suraksha and my:health Optima Secure plans.

   People also read: What is Deductible in Health Insurance?

4. Hospital Cash Global

   The Hospital Cash Global rider pays a daily cash allowance to the policyholder for each day of overseas hospitalization. This rider is available under HDFC ERGO my:health Koti Suraksha, my:health Critical Suraksha Plus and my:credit Comprehensive Suraksha plans.

5. Sum Insured Rebound

   The Sum Insured Rebound rider refills the coverage amount for up to the sum insured if it gets exhausted due to a claim. This rider is available under HDFC ERGO my:health Koti Suraksha and my:health Suraksha plans.

6. Emergency Air Ambulance

   The Emergency Air Ambulance rider pays for the transportation cost of the insured to the nearest hospital during a medical emergency using an aeroplane or helicopter. This rider is available under HDFC ERGO my:health Suraksha and my:health Optima Secure plans.

7. Critical Illness

   The Critical Illness rider pays a lump sum amount if the insured is diagnosed with any of the 8 listed critical illnesses during the policy year. It comes with a survival benefit of 30 days. This rider is available under HDFC ERGO Easy Health and Maxima Insurance plans.

8. Post Diagnosis Support

   The Post Diagnosis Support rider pays for the medical expenses incurred on a second medical opinion, post-diagnosis assistance and molecular gene expression profiling test. This rider is available under HDFC ERGO my:health Critical Suraksha Plus and my:health Women Suraksha plans.

9. E-Opinion for Critical Illness

   The E-Opinion for critical illness rider pays for the medical expenses incurred on availing a second medical opinion for a listed critical illness. This rider is available under HDFC ERGO my:health Suraksha and my:health Optima Secure plans.

10. Pregnancy and Newborn Complications

    The Pregnancy and Newborn Complications rider covers the treatment cost of pregnancy complications and newborn baby complications diagnosed or manifested for the first time during the policy period. The coverage is subject to a survival period. This rider is available under HDFC ERGO my:health Women Suraksha and my:credit Comprehensive Suraksha plans.

11. Non-Medical Expenses Cover

    The Non-medical expenses rider covers non-medical expenses incurred by the insured during hospitalization. This rider is available under HDFC ERGO my:health Koti Suraksha and my:health Suraksha plans.

    People also read: List of Different Types of Non-Medical Expenses in Health Insurance

12. Preventive Health Check-up

    The Preventive Health Check-up rider covers the cost of preventive health check-ups conducted every year. This rider is available under HDFC ERGO my:health Koti Suraksha and my:credit Comprehensive Suraksha plans.

13. Pre-Diagnosis Cover

    The Pre-Diagnosis rider covers the cost of diagnostic tests for up to 30 days before being diagnosed with a critical illness. This rider is available under HDFC ERGO my:health Critical Suraksha Plus and my:credit Comprehensive Suraksha plans.

14. Companion Benefit

    The Companion Benefit rider pays an additional amount to cover the expenses accompanying the insured during hospitalization. This rider is available under HDFC ERGO my:health Koti Suraksha and my:credit Comprehensive Suraksha plans.

15. Automatic Restore Benefit

    The Automatic Restore Benefit rider recharges the coverage amount once a year in case the base sum insured of the policy has been partially or completely exhausted. This rider is available under HDFC ERGO my:health Optima Secure and my:credit Comprehensive Suraksha plans.

    People also read: All About Restoration Benefit in Health Insurance

16. Time Deductible Modification Option

    The Time Deductible Modification rider levies a deductible on all claims after a fixed time period. This rider is available under HDFC ERGO my:health Koti Suraksha and my:credit Comprehensive Suraksha plans.

17. Hospital Cash – ICU

    The Hospital Cash - ICU rider provides a daily cash amount if the insured is admitted to the ICU. This rider is available under HDFC ERGO my:health Koti Suraksha and my:credit Comprehensive Suraksha plans.

18. Emergency Worldwide Coverage

    The Emergency Worldwide Coverage rider pays for the hospitalization expenses incurred outside India during a life-threatening situation. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

19. Co-Payment

    The Co-Payment rider enables the insured to opt for a voluntary co-payment applicable on all claims. This rider is available under HDFC ERGO my:health Suraksha and my:health Koti Suraksha plans.

    People also read: What is Co-Payment in Health Insurance?

20. Overseas Treatment

    The Overseas Treatment rider covers the medical expenses incurred outside India for listed major illnesses diagnosed for the first time during the policy period. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

21. Waiver of Disease Capping

    The Waiver of Disease Capping rider removes any sub-limits on various medical procedures availed during in-patient treatment, including cataract, hernia, stone, etc. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

22. Medical Evacuation

    The Medical Evacuation rider pays for the transportation cost of the insured to the nearest hospital for emergency care through air ambulance. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

23. Global Health Cover

    The Global Health Cover rider covers medical expenses incurred outside India, including hospitalization expenses, ambulance charges, parent and child care expenses, outpatient dental treatment costs, major illness treatment costs, etc. The coverage is subject to a mandatory deductibe. This rider is available under HDFC ERGO my:health Suraksha and my:health Optima Secure plans.

    People also read: Does Your Health Insurance Cover Overseas Cost?

24. Waiver of Co-Payment

    The Waiver of the Co-Payment rider removes any mandatory co-payment applicable to the policy. This rider is available under HDFC ERGO my:health Koti Suraksha and EquiCover Health plans.

25. Cumulative Bonus – Booster

    The Cumulative Bonus – Booster rider increases the cumulative bonus percentage to 50% every time the policyholder does not raise a claim in the previous policy year. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

26. Last Rites

    The Last Rites rider pays a fixed amount for the last rites of the insured in case of accidental death. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

27. Newborn Baby Cover

    The Newborn Baby rider pays for the in-patient treatment expenses incurred by the newborn baby from day 1 to up to 90 days. This rider is available under the HDFC ERGO Maxima Insurance plan.

    People also read: Guide to Buying a Newborn Health Insurance Policy

28. Dependent Child Education Benefit

    The Dependent Child Education Benefit rider pays an amount equivalent to the policy sum insured for the dependent child’s education in case of the insured’s accidental death. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

29. Renewal Premium Benefit

    The Renewal Premium Benefit rider pays an amount equivalent to the renewal premium if the insured dies in an accident. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

30. Parental Care Benefit

    The Parental Care Benefit rider pays a fixed amount towards the care of their dependent parents in case of accidental death. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

31. Waiver of Room Rent Cap

    The Waiver of Room Rent Capping rider removes any sub-limits applicable to hospital room rent during in-patient treatment. This rider is available under the HDFC ERGO my:health Koti Suraksha plan.

    People also read: Concept of Room Rent Limit in Health Insurance

32. Parent and Child Care Cover – Basic

    The Parent and Child Care Cover – Basic rider pays for maternity expenses, pre-natal & post-natal OPD expenses and newborn baby expenses incurred by the insured. It comes with a waiting period of 4 years. This rider is available under the HDFC ERGO my:health Suraksha plan.

33. Parent and Child Care Cover – Booster

    The Parent and Child Care Cover – Booster rider covers the cost of newborn baby delivery, pre-natal & post-natal OPD treatment, infertility treatment, newborn baby treatment and vaccination of the newborn baby. The coverage is available after a waiting period of 4 years but can be modified to 2 years or 3 years. This rider is available under the HDFC ERGO my:health Suraksha plan.

34. Recovery Benefit

    The Recovery Benefit rider provides a fixed amount for the recovery of the insured in case of more than 10 consecutive days of hospitalization. This rider is available under the HDFC ERGO my:health Suraksha plan.

35. Preventive Health Check-up Booster

    The Preventive Health Check-up Booster rider covers the cost of preventive health check-ups availed every year at a network service provider of the insurance company. This rider is available under the HDFC ERGO my:health Suraksha plan.

    People also read: Annual Health Check-ups in Health Insurance: All You Need to Know

36. Outpatient Dental Treatment

    The Outpatient Dental Treatment rider covers the medical expenses incurred on dental treatment taken on an outpatient department basis. It is available after serving a waiting period of 3 years. This rider is available under the HDFC ERGO my:health Suraksha plan.

37. External Medical Aids

    The External Medical Aids rider pays for the cost of external medical aids, including a hearing aid, spectacles and contact lenses. The coverage is available after every two consecutive renewals. This rider is available under the HDFC ERGO my:health Suraksha plan.

38. Major Illness Hospitalization Expenses

    The Major Illness Hospitalization Expenses rider covers the cost of hospitalization arising out of any listed major illnesses diagnosed for the first time during the policy period. This rider is available under the HDFC ERGO my:health Suraksha plan.

39. Hospital Cash

    The Hospital Cash rider provides a daily allowance to the policyholder if the eldest insured member is hospitalized. This rider is available under the HDFC ERGO my:health Suraksha plan.

40. Extended Cumulative Bonus

    The Extended Cumulative Bonus rider increases the cumulative bonus percentage from 5% to up to 50% every claim-free to up to a maximum of 100% or 200%. This rider is available under the HDFC ERGO my:health Suraksha plan.

41. Room Rent Modification Option

    The Room Rent Modification rider levies a hospital room rent limit to 1% of the sum insured in case of hospitalization and 2% of the sum insured in case of ICU admission. This rider is available under the HDFC ERGO my:health Suraksha plan.

42. Major Illness – Benefit

    The Major Illness – Benefit rider pays a lump sum amount if the eldest insured member is diagnosed with a listed major illness for the first time during the policy period. The coverage is subject to a survival period of 30 days. This rider is available under the HDFC ERGO my:health Suraksha plan.

43. Secure Benefit

    The Secure Benefit rider provides an additional amount to cover the incurred medical expenses if the base sum insured has been exhausted. This rider is available under the HDFC ERGO my:health Optima Secure plan.

44. Daily Cash for Shared Room

    The Daily Cash for Shared Room rider pays a daily cash amount if the policyholder stays in a shared accommodation at the hospital. This rider is available under the HDFC ERGO my:health Optima Secure plan.

45. Protect Benefit

    The Protect Benefit rider covers the non-medical expenses incurred by the insured during hospitalization. This rider is available under the HDFC ERGO my:health Optima Secure plan.

46. Plus Benefit

    The Plus Benefit rider increases the sum insured of the policy by 50% for up to 100% on each renewal. This rider is available under the HDFC ERGO my:health Optima Secure plan.

47. Unlimited Restore Benefit

    The Unlimited Restore Benefit rider refills the coverage amount to up to 100% unlimited times in a year if the base sum insured gets partially or fully exhausted. This rider is available under the HDFC ERGO my:health Optima Restore plan.

48. Waiver of Aggregate Deductible

    The Waiver of Aggregate Deductible rider allows the policyholder to either reduce or waive off the applicable deductible once in the lifetime of the policy. However, it can be purchased only if the eldest insured member is below 50 years. Also, the coverage will be activated after five renewals and if the eldest insured member is below 61 years old. This rider is available under the HDFC ERGO my:health Optima Secure plan.

49. Global Health Cover (Emergency Treatments Only)

    The Global Health rider for emergency treatments covers the medical expenses incurred outside India during a medical emergency. A mandatory deductible will apply to this cover. This rider is available under the HDFC ERGO my:health Optima Secure plan.

50. Overseas Travel Secure

    The Overseas Travel Secure rider pays for the cost of overseas hospitalization, transportation of the accompanying person to India and the overseas accommodation of the accompanying person. This rider is available under the HDFC ERGO my:health Optima Secure plan.

51. Maternity Benefit

    The Maternity Benefit rider covers the medical expenses incurred on the newborn baby’s delivery. This rider is available under the HDFC ERGO my:credit Comprehensive Suraksha plan.

52. Cardiac Arrest

    The Cardiac Arrest rider pays a fixed amount if the insured suffers a cardiac arrest. The coverage is available after a waiting period of 90 days. This rider is available under the HDFC ERGO my:credit Comprehensive Suraksha plan.

53. Molecular Gene Expression Profiling Test

    The Molecular Gene Expression Profiling Test rider pays for the cost of molecular gene expression profiling test if the insured is diagnosed with cancer of specified severity. This rider is available under the HDFC ERGO my:credit Comprehensive Suraksha plan.

54. Post Diagnosis Assistance

    The Post Diagnosis Assistance rider pays for the cost of availing outpatient counselling sessions if the insured is diagnosed with a critical illness. This rider is available under the HDFC ERGO my:credit Comprehensive Suraksha plan.

55. Second Medical Opinion

    The Second Medical Opinion rider covers the cost of availing a second medical opinion for a critical illness in India and abroad. This rider is available under the HDFC ERGO my:credit Comprehensive Suraksha plan.

56. Recovery Benefit – Global

    The Recovery Benefit – Global rider provides a fixed amount for the recovery of the insured in case of more than 10 consecutive days of overseas hospitalization. This rider is available under the HDFC ERGO my:credit Comprehensive Suraksha plan.

Benefits of HDFC ERGO Health Insurance Riders

Check out the key benefits of buying HDFC ERGO health insurance riders:

1. Enhance Coverage

   Riders enable policyholders to enhance the base coverage of their HDFC ERGO health policy without buying another policy.

2. Affordable

   Policyholders can save money by opting for riders instead of buying a separate policy. This is because purchasing a health plan is more expensive than buying a rider.

3. Customization Possible

   Riders allow policyholders to customize their health insurance policy as per their preference, achieving their desired coverage.

4. Multiple Options

   HDFC ERGO health insurance plans offer a wide range of riders so that policyholders can opt for the coverage of their choice.