HDFC ERGO Health Insurance

• HDFC ERGO has an iAAA rating from the ICRA, indicating that HDFC ERGO insurance have a high ratio of claim settlement
• Products are designed intuitively and are suited for everyone, whatever your needs be
• Great HDFC Ergo customer care post sales
• The incurred claim settlement ratio of HDFC ERGO Health Insurance for F.Y.2017-18 is 52.58%.

HDFC ERGO Health Suraksha Policy

Health Suraksha Policy offered by HDFC ERGO is a basic health insurance plan which covers most of the hospitalization expenses. The coverage under this plan is available as both individual and family floater.

Individual Coverage :

• This policy offers basic coverage in the range of Rs. 3 lakh and Rs. 5 lakh for individuals of any age above 3 months.

• Pre and post hospitalization expenses, no sub-limits, no-claim bonus, cashless benefit, hospital expense cover, ambulance cover, etc., are benefits provided in the plan.

• Maternity benefit, critical illness cover (lump sum amount payment), co-payment, etc. can be additionally opted in the same policy. If you are under the age of 45, you need not go through a medical checkup. The policy also covers over 140 day care procedures.

Family Floater Coverage :

• This is a basic family floater plan, which covers health costs of the entire family in the range of Rs. 3 lakh and Rs. 5 lakh.

• A maximum of 2 adults and 2 children in the family of any age above 3 months can be covered under this policy.

• Pre and post hospitalization expenses, no sub-limits, no-claim bonus, cashless benefit, hospital expense cover, ambulance cover, etc., are provided in the plan.

• Maternity benefit, critical illness cover (lump sum amount payment), co-payment, etc. can be additionally opted in the same policy.

  For more information on this policy, please click here.

Health Suraksha Gold Policy

Health Suraksha Gold is advanced version of Health Suraksha Plan which has an option to opt for additional critical illness cover. The coverage under this plan is available as both individual and family floater.

Individual Coverage :

• This policy offers basic coverage in the range of Rs. 2 lakh and Rs. 10 lakh for individuals of any age above 3 months.

• Pre and post hospitalization expenses, no sub-limits, no-claim bonus, maternity benefit, cashless benefit, hospital expense cover, ambulance cover, etc., are benefits provided in the plan.

• Critical illness, co-payment, etc. can be additionally opted in the same health insurance policy.

Family Floater Coverage :

• This is a family floater plan, which covers health costs of the entire family in the range of Rs. 2 lakh and Rs. 10 lakh.

• A maximum of 2 adults and 2 children in the family of any age above 3 months can be covered under this policy.

• Pre and post hospitalization expenses, No sub-limits, No-claim bonus, maternity benefit, cashless benefit, hospital expense cover, ambulance cover, etc., are provided in the plan.

• Critical illness, co-payment, etc. can be additionally opted in the same policy.

If you want a health insurance plan with additional benefits on diagnosis of critical illnesses know more about Health Suraksha Gold, please click here.

Health Suraksha Regain Policy

Health Suraksha Regain is the plan with restore benefit offered by HDFC ERGO. The coverage under this plan is available as both individual and family floater.

Individual Coverage :

• This policy offers basic coverage in the range of Rs. 3 lakh and Rs. 10 lakh for individuals of any age above 3 months.

• Pre and post hospitalization expenses, no sub-limits, no-claim bonus, hospital expense cover, ambulance cover, etc., are benefits provided in the plan.

• In addition to the above mentioned benefits this plan also has a restore benefit facility (this benefit results in automatic restoration of coverage amount in case it is exhausted in a particular year).

Family Floater Coverage :

• This is a family floater plan, which covers health costs of the entire family in the range of Rs. 2 lakh and Rs.10 lakh.

• A maximum of 2 adults and 2 children in the family of any age above 3 months can be covered under this policy.

• Pre and post hospitalization expenses, No sub-limits, No-claim bonus, hospital expense cover, ambulance cover, etc., are benefits provided in the plan.

• In addition to the above mentioned plan this plan also has a restore benefit facility.

Health Suraksha Top-up Plus Policy

Health Suraksha Top-up as the name suggests is a top-up plan offered by HDFC ERGO. It offers coverage on individual and family floater basis.

Individual Coverage :

• This is a top-up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) for individuals from age 5 years up to 65 years.

• The coverage amount for this plan is in the range of Rs. 2 lakh and Rs. 10 lakh and the deductible amount is in the range of Rs. 1 lakh and Rs. 5 lakh.

• This plan offers basic coverage like pre and post hospitalization expenses, no sub-limits, no-claim bonus, hospital expense cover, ambulance cover, etc.

Family Floater Coverage :

• This is a family health insurance top up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) which covers health costs of the entire family.

• The coverage amount for this plan is in the range of Rs. 2 lakh and Rs.10 lakh and the deductible amount is in range of Rs.1 lakh and Rs.5 lakh.

• A maximum of 2 adults and 2 children in the family between age 5 years up to 65 years can be covered under this policy. This plan offers basic coverage like pre and post hospitalization expenses, no sub-limits, no-claim bonus, hospital expense cover, ambulance cover, etc.

Critical Illness Silver Policy

• One of the benefit plans offered by HDFC ERGO is the Critical illness plan which offers lump-sum benefit post diagnosis of critical illness. There are two variants available of this plan.

• This plan specially offers individual cover for critical illness in the range of Rs.1 lakh and Rs.50 lakh for individuals between age 5 years and 65 years.

• In this plan a lump sum amount equal to sum insured is offered to policyholder in case of critical illness or accident.

• Critical Illness insurance offers coverage in case of heart attack, coronary bypass surgery, stroke, cancer, kidney failure, major organ transplants, multiple sclerosis and paralysis.

Critical Illness Gold Policy

• This plan specially offers individual cover for critical illness in the range of Rs.1 lakh and Rs.50 lakh for individuals between age 5 years and 65 years.

• In this plan a lump sum amount equal to the sum insured is offered to policyholder in case of 8 critical illnesses.

• In addition to the silver plan this plan offers coverage in case of aorta graft surgery, primary pulmonary arterial hypertension, and heart valve replacement.

• If you want to be completely sure that all your expenses in case of critical illness are getting covered, then know more about critical illness Gold Plan by HDFC ERGO which is advanced variant of critical illness silver plan.

Critical Illness Platinum Policy

• This plan specially offers individual cover for critical illness in the range of Rs.1 lakh and Rs.50 lakh5 for individuals between age 5 years and 65 years.

• In this plan a lump sum amount equal to sum insured is offered to policyholder in case of 15 critical illnesses.

• In addition to the gold plan this plan offers coverage in case of benign tumor, Parkinson's disease, Alzheimer's disease and end stage liver disease.(Heart Attack , Multiple Sclerosis, Stroke Cancer, Major Organ Transplantation, Coronary Artery Bypass Surgery, Paralysis, Kidney failure, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Heart Valve Replacement, Parkinson's Disease, Alzheimer's Disease, End Stage Liver Disease, Benign Brain Tumor.

Personal Accident Insurance Policy

• Another benefit plan offered by HDFC ERGO which offers lump-sum benefit post death or disability resulting from an accident.

• This plan offers coverage in case of accidents anywhere in the world in the range of Rs. 2.5 Lakh and Rs. 15 Lakh to individuals below age 65 years.

• In this plan a lump sum amount in case of accidental death, daily cash in case of illness & accident, covers permanent or temporary total disability, injuries with broken bones or burns as well as ambulance costs.

Health Medisure Classic Insurance

A health insurance plan designed specifically to meet the medical necessities of your parents. This plan provides protective cover for your parents or senior citizens.

Features and Benefits:

• You can avail 5% cumulative bonus at the end of each claim-free year.
• It comes with lifelong renewability, entry and no upper age limit.
• It comes with two policy tenure options - 1 or 2 years.
• There is an option to select Double Sum Insured for critical illness as an add-on rider.
• Hospital Cash and Benefit

Health Medisure Super Top Up Insurance

This is a top-up plan which can be availed over and above your existing health insurance plan, and offers a wider range of benefits along with enhanced protection. Individuals can benefit from higher sum insured against aggregate deductible at an affordable premium.

Features and Benefits:

• Lifelong renewability.
• No medical tests till the age of 55 years.
• Fixed premium from the age of 61 years.
• Avail a 5% discount for a 2-year policy and 10% family discount when you add 2 or 3 family members under individual sum insurance.
• Guaranteed response within 6 hours on every cashless claim.
• Covers Pre-Hospitalization & Post-Hospitalization expenses - 30 days for Pre-Hospitalization and 60 days for post.

When it comes to claim settlement ratio, HDFC ERGO has a very healthy record. That's strikingly encouraging for their potential customers. Pricing wise, their products perform quite well in comparison to their counterparts from competitors. With respect to deductions and room rent limits, HDFC ERGO health insurance passes with flying colors. They are okay when it comes to waiting periods and their no-claim bonus structure is not the most flattering; they offer a 5% bonus for every claim-free year, with a maximum bonus of 50%.