Buying Health Insurance from Coverfox is Simple
Mediclaim Plans Starting @ Rs. 350* / month
100% Claims
Support FREE
Dedicated & Experienced Claims Team for Your Assitance.
Save Tax on Rs. 75,000/-
under section 80D
HDFC ERGO Health Insurance

List of Health Insurance Plans HDFC ERGO

Health insurance is a great investment option. They are not only an excellent opportunity to safeguard one's medical expenses but also have tax benefits that make them the real deal. If you are planning on investing in a health insurance plan, the first thing you must do is thorough research.

While there are a plethora of plans and options available in the market, the health insurance plans by HDFC ERGO fit’s everyone like a glove. It is a joint venture firm between HDFC and ERGO International AG. They offer products in the retail, corporate, and rural sectors. The retail sector products are health, motor, travel, home, personal accident, and cybersecurity policy. With such diversified products, the company understands the needs of a vast majority of customers, giving them an edge over their competitors.

Let us now look at the different health insurance plans under HDFC ERGO.

Health Insurance for Parents

  • Parents spend their whole lives catering to the needs of their kids. As a grown-up, the responsibility to look after their health falls upon your shoulders. Like your parents never compromised on anything for you, you would not like to jeopardize the quality of healthcare assistance they get when they require it the most. However, insufficient planning could put a dent in your pocket.

  • Although good medical facilities in India are extremely expensive, HDFC ERGO health insurance plans cover all the medical needs of your parents at a small premium. The sum assured is between INR 7.5 lakhs to INR 15 lakhs. Based on your parents' needs, it also allows you to boost the existing plan at an additional top-up to your current premium.

  • HDFC ERGO's health insurance plan for parents covers lifestyle diseases such as diabetes, fitness costs, as well as expenses you might incur in routine health check-ups.

Health Insurance for Senior Citizens

  • If you are retiring soon or are turning 60, healthcare should be one of the many things you should consider while planning for your future. HDFC ERGO's health insurance plan for senior citizens encompasses everything that could guarantee you a hassle-free retirement life.

  • Since their health insurance plan for senior citizens has no restrictions on the entry age, there is absolutely no harm in planning for your retirement, irrespective of your age. It is also worth noting that the premium depends on your age. This health insurance plan also factors the pre-existing ailments that you might have and adjusts the premium and insured sum based on it.

Health Insurance for Family

  • Our family is our top priority. Ensuring and facilitating their medical needs is usually the main concern of most people. HDFC ERGO's family health insurance plan is a sound investment to shield your family. It understands that the financial stature and requirements of families differ and thus offers a wide range of plans to ensure that these needs are met.

  • Their health insurance plans offer a diverse range of insured sums, starting from affordable options between INR 3 lakhs to INR 5 lakhs, and going as high as a range of INR 20 lakhs to INR 75 lakhs. The premiums differ based on the choice of plan. HDFC ERGO allows families the flexibility to add-on certain extra features to their existing health insurance plan through their affordable top-up plan.

Health Insurance for Individuals

  • A health insurance plan provides policyholders with medical coverage related to hospitalization based on the treatment expenses. Moreover, it also has tax benefits as well as discounts on routine check-ups. During pandemics such as the one we're living in right now, these plans protect you from depleting your savings. Long story short, health insurance plans are vital.

  • Some of the benefits of HDFC ERGO health insurance plans are 24/7 customer service, instant assistance for policy issuance, fitness discount, immediate claim settlement, and cashless hospitalization.

Health Insurance for Women

  • Women have different healthcare needs compared to men, not only during pregnancy but also during their entire course of life. For all those times, they should not have to incur the charges because of an imperfect health insurance plan. HDFC ERGO does a great job of catering to the requirements of women.

  • Through their health insurance plan for women, they provide coverage against cancer along with other major illnesses. They also offer an optional cover for loss of job, pregnancy, complications related to the new-born baby, and post-diagnosis support.

Health Insurance for Critical Illnesses

  • It is never too late to invest in a health insurance plan. However, it is always beneficial to invest early to get a head start on illnesses. This insurance plan for critical illnesses by HDFC ERGO allows you to focus on your health. It provides financial cover against life-threatening diseases such as cancer, stroke, etc. and prevents them from draining your savings.

  • This health insurance plan does not have any age restriction, and purchasing this at a younger age ensures lower premiums and bigger coverage.

Tax Benefits of Health Insurance Plans

  • Under Section 80D of the Income Tax Act, 1961, individuals can get a deduction of up to INR 25,000 per year for medical insurance premiums. However, if you or your spouse is a senior citizen, then this limit goes up to INR 50,000. If you are paying a health insurance premium for your parents, then you can also claim an additional deduction of up to INR 25,000 every financial year.

Furthermore, if both or either of your parent is a senior citizen, then this limit can go up to INR 50,000.

You can also claim tax benefits on preventive health check-ups annually. You can claim up to INR 5,000 every budgetary year as expenses incurred for preventive health check-ups within the above-mentioned limits.


Medical treatment costs are rising exponentially, and given the current scenario, as little as a sneeze could be a symptom of a life-threatening disease. Health insurance helps you pay for critical illnesses in one go, so you don't have to fork a large chunk out of your savings every time you go for treatment. Hence, you must take care of yourself and your family by investing in a benefit-based health insurance plan.

Recommended Link:What is better- Health Insurance or Mediclaim Policy?