Top Health Insurance Plans offered by HDFC Ergo

HDFC Ergo Health Insurance is one of the most popular insurance companies, which started its operations in the year 2002 as a result of collaboration between HDFC Limited and ERGO International. The insurance provider is known to cater various insurance needs of an individual by offering different insurance-related products such as personal accident, motor, travel, health and marine. It is known to offer a set of comprehensive insurance plans like Mediclaim plans, fixed benefit plans, indemnity plans, top-up plans and critical illness plans.

When it comes to the health insurance sector, HDFC Ergo General Insurance features a wide range of insurance products including customized plans made for families, individuals, senior citizens and parents. The insurance company is also known to provide customized solutions for personal accidents and critical illness.

Top Health Insurance Plans Offered by HDFC Ergo

Health insurance plans offered by HDFC Ergo caters to healthcare requirements of their customers and also offers them a financially secure life. They provide several types of health insurance plans for families, individuals, senior citizens, individuals with critical illness, women suraksha plans and even provide coverage against Coronavirus that is required during this dreaded pandemic time.

Some of the best health plans offered by HDFC Ergo are mentioned below:

1. Corona Kavach Plan

This health insurance plan is specifically designed by HDFC Ergo to meet the expenses for treatment of COVID-19. In case, an insured individual gets diagnosed with Coronavirus, then this health insurance plan would meet all the health requirements till the patient recovers from the same.

Key Features of the Plan

The key features provided under the plan are mentioned below:

• This health insurance plan would cover pre-hospitalisation expenses for up to 15 days and post-hospitalisation expenses for up to 30 days.
• Coverage for all kinds of hospitalisation expenses incurred because of ventilators, oxygen, PPE kits and consultation fees is covered
• This insurance plan covers all kind of health expenses incurred at the time of home care (up to 14 days)
• Coverage for AYUSH treatment is also offered under this plan
• Coverage for road ambulance cover is also offered under this plan i.e. shifting from one hospital to another or hospital to home in the ambulance.

2. HDFC Ergo Critical Illness Insurance

This plan is specifically designed to assist the policyholder in managing treatment expenses related to critical illness so that the patient can recover peacefully without worrying about expensive medical bills. It is divided into two variants namely Critical Illness Platinum Plan (offers coverage for 15 illnesses) and Critical Illness Silver Plan (offers coverage for 8 illnesses).

Key Features of the Plan

The key features provided under the plan are mentioned below:

• Under the Critical Illness Platinum Plan, a policyholder gets coverage against 15 illnesses and for the Critical Illness Silver Plan, the policyholder gets coverage against 8 illnesses.
• There is no need to undergo a medical check for individuals up to 45 years in age
• The policyholder receives income tax benefits against the premium paid for up to Rs. 50,000

Optima Restore Health Plan

This plan is an effective health insurance cover and is one of the most opted health plans by the customers. It takes care of health care requirements of an individual at an economical cost. Optima restore plan offers wider coverage to the policyholder without any restrictions. It is available in two variants namely Optima Restore Individual and Optima Restore Family. Their family floater plan offers an all-round protection cover providing financial safety at the time of health emergencies and hospitalisation for each family member under a single insurance cover.

Key Features of the Plan

The key features provided under the plan are mentioned below:

• This insurance plan provides pre-hospitalisation expenses for 60 days and post-hospitalisation expenses for 180 days
• Coverage offered for daycare procedures for which the insured is admitted for less than 24 hours
• Coverage offered for ambulance expenses up to Rs 2000 per hospitalisation
• It provides a long protection as the policyholder can get their health plans renewed even after 65 years of age.
• Coverage for surgical and medical expenses of the organ donor at the time of harvesting major organ transplant
• Coverage offered for latest and advanced healthcare treatments like stem cell therapies, oral chemotherapy and robotic surgeries.

4. My: Health Medisure Super Top Up Plan

My: Health Medisure Super Top Up Plan by HDFC Ergo caters to the ever-growing medical expenses in case the threshold limit of standard health insurance plan gets exhausted. This plan is specifically designed to provide comfort to the policyholder during the time of recovery.

Key Features of the Plan

The key features provided under the plan are mentioned below:

• There is no need to undergo a medical check for individuals up to 55 years in age
• This plan offers constant premium starting from the age of 61 years
• This plan provides coverage for day care procedure and in-patient hospitalisation

Conclusion

HDFC Ergo offers a wide variety of health insurance plans to their customers in order to cater to their individual needs at an affordable premium cost. At the time of purchasing health insurance plans by HDFC Ergo, you can consider the above mentioned plans in order to narrow down your selection to choose the best suited plan for yourself and your loved ones.

Also Read: All You Need To Know About HDFC Ergo Health Insurance Plans

HDFC Ergo Optima Restore Health Plan - Features, Benefits

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.