HDFC ERGO Health Insurance for Senior Citizen

Health Medisure Classic Insurance by HDFC ERGO is an affordable base plan that senior citizens can easily opt for. It offers holistic coverage against all types of health issues along with the option to waive room rent limits as well as double sum insured for critical illness. Available on individual and family floater basis, the plan helps save big premiums and offers lifelong renewability. It offers coverage for in-patient treatment, pre & post hospitalisation, and numerous other expenses.

Key Features of HDFC Health Insurance for Senior Citizens

• No restrictions on entry age
• Broad sum insured range from Rs. 1 Lakh to Rs. 5 Lakh
• Cashless treatment available at 9,000+ network hospitals
• Coverage for preexisting diseases after 36 months of continuous coverage
• 10% co-payment for every claim for insured above the age of 80 years
• A 5% discount on 2 years policy duration
• 5% cumulative bonus for every claim-free year sum insured on every renewal
• A family discount of 10% on the total premium payable for covering more than 2 family members, etc.

​Scope of Coverage Under HDFC Health Insurance for Senior Citizens

• Maternity expenses covered
• Newborn baby cover
• Coverage for dependent children (till the age of 23 years)
• Daycare procedures covered
• Hospitalisation due to accident
• Ayurvedic treatment
• Recovery Benefit (value-added cover)
• ​Hospital cash (value-added cover), and others

HDFC Medical Insurance for Senior Citizens Plan Eligibility

The plan doesn’t feature an upper age limit.

Exclusions Under HDFC Senior Citizens Health Insurance

• Adventure Sport injuries
• Costs of donor screening and organ
• Treatment of Obesity or Cosmetic Surgery
• Stem cell implantation/surgery
• Venereal or Sexually transmitted diseases, and others

If interested in gathering product details and exclusions, kindly refer to the policy wording. For more information, you can also contact us, InsuranceDekho at 1800-1205-698 and get your questions answered right away!