HDFC ERGO Health Insurance

Listed below are the key features of HDFC ERGO Health Insurance:

• Secure Benefit: HDFC ERGO provides 2X coverage from day 1 after purchasing a health insurance plan. This benefit is available in plans like Optima Secure.
• No Room Rent Sub-Limit: During your hospitalisation, you do not have to think about room rent and the type of room to choose for treatment because HDFC ERGO health insurance plans come with no room rent limit.
• Cashless Treatment: With a network of 13000+ hospitals, the company provides cashless treatment to their customers at network hospitals. In the case of an emergency, you can get medical treatment without worrying about bills.
• Free Preventive Health Check-ups: The insurer provides free health check-ups at the time of policy renewal to the policyholder. If there are any health issues then it will get diagnosed early at the very first stage.
• Pre and Post-Hospitalisation: The best part about the HDFC ERGO health insurance is that it covers the pre and post-hospitalisation expenses in pre-hospitalisation expenses of 60 days before the admission date are covered and expenses of up to 180 days after the discharge date are covered.

There are eligibility criteria that should be fulfilled by an individual for purchasing HDFC ERGO Health Insurance.

• The minimum age to purchase the health plan is 18 years old and there is no maximum age limit.
• In the family floater plan the minimum age to add children is 91 days and the maximum age is 25 years old. For adults, the minimum is 18 years old and it goes up to 65 years old.

Here are the top 4 plans offered by HDFC ERGO Health Insurance Limited:

Riders provided by HDFC ERGO Health Insurance

• OPD Riders: You can add, Out Patient Department (OPD) riders to your base plan and avail of the coverage of medical treatment expenses like doctor consultation fees, medical tests etc.
• Unlimited Restore of the Sum Insured: The Company offers riders to their customers in which there is the benefit of unlimited restoration of the sum insured after every claim.
• Hospital Cash Benefits: In the hospital cash benefits you will get a fixed amount for daily out-of-pocket expenses for a fixed period of time.
• Individual Personal Accident Riders: In the case of the accidental death of an individual a lump sum amount is given to the family or to their dependables

* Please Note: All the riders offered by the company are paid one and you have to pay an extra premium for that to get the benefits of riders. These riders depend on the plan you have purchased.

• • Copy of the Proposal Form and OTP Verification
  • Medical Reports
  • Address Proof (Aadhaar Card, Passport, Driving Licence, Electricity Bill, Telephone Bill, Voter ID).
  • Proof of age (10th or 12th Mark Sheet, Voter’s ID, Passport, PAN Card, Driving Licence)
  • Passport-size Photographs
  
  

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