HDFC ERGO Family Health Insurance

Health insurance is a necessity these days. Our parents or grandparents may have gotten by, but nowadays, we need health insurance to take care of ourselves and our families. And with so many expensive medical bills out there that can come from serious issues such as cancer or accident injuries, it's no wonder people are looking at affordable health insurance plans for their families.

HDFC ERGO offers affordable and comprehensive family health insurance policies. These policies include basic benefits like hospitalisation and preventive healthcare check-up to value-added services like daily hospital cash and e-opinion for illnesses.

This article will go over the details of HDFC ERGO Family Health Insurance policies in order to help you make an educated decision.

Here is a list of family insurance policies offered by HDFC ERGO Health Insurance:

The HDFC ERGO family health insurance plan is a well-known name on the Indian healthcare market. If you are looking for affordable health insurance with good quality of service, the HDFC ERGO family health insurance plans certainly have you covered.

Here is a list of the plan highlights:

• High sum insured amounts ranging up to INR 2 crores.

• Pre-hospitalisation expenses are covered.

• Post-hospitalisation expenses are covered.

• Free preventive health check-ups are provided.

• E-opinions are provided.

• Lifelong policy renewability is provided.

• AYUSH treatments are included.

Here are the benefits offered by Family Health Insurance by HDFC ERGO:

• COVID Hospitalisation: HDFC ERGO Family Health Insurance Plans cover your in-patient hospitalisation expenses which arise from injuries and illnesses without any issues. Most importantly, the Family Health Insurance by HDFC ERGO includes treatment costs for Covid-19 as well. So, even if you are suffering for one or several days under the treatment of Covid-19, you can be assured of receiving all necessary medicines, tests and consultations from doctors. And at the same time, you can avail of the cashless treatment facilities under HDFC ERGO family health insurance.

• No-Cost Preventive Healthcare Tests: Having a health insurance plan is an important step in protecting your family against possible financial burdens. HDFC ERGO Family Health Insurance Plans offers a free preventive health check-up for those who renew their policy annually. This will help you to identify any health issues in their early stages and ensure that they aren’t left untreated so you can get the best treatment possible for them.

• Home Healthcare: Many times, people who are sick at home often require treatment at home. If your doctor recommends home hospitalisation, HDFC ERGO Family Health Insurance Plans will cover your medical expenditures in a cashless manner. All you need to do is contact the company and inform them about your medical condition.

• AYUSH Treatments: Alternative therapies may not be very common in the West but are a part of the Indian culture. When it comes to healthcare, the health of your loved ones is always a top priority. As a result, HDFC health insurance covers treatment expenses up to the total insured amount for in-patient treatment for alternative treatments such as Ayurveda, Yoga, Unani, Naturopathy, Homeopathy, Siddha, and Yoga that can help cure chronic illness.

• Tax Benefits: Section 80D offers tax deductions on the premiums paid to health insurance. Individuals above the age limit of 60 years have a tax deduction limit of up to INR 50,000, while the same is set up to INR 25,000 for policyholders under the age of 60 years.

Here are the coverage lists for family health insurance provided by HDFC ERGO General Insurance:

1). my:Optima Secure

• In-patient hospitalisation expenses
• Post-hospitalisation expenses (180 days)
• Pre-hospitalisation expenses (60 days)
• Home healthcare
• Daily cash benefit for shared rooms
• Preventive healthcare tests
• E-opinion on 51 critical illnesses
• AYUSH treatment
• Domiciliary treatment
• Organ donor expenses
• Emergency air ambulance

Add-on Covers

• 51 critical illnesses cover
• Hospital cash benefit
• Unlimited restoration

Value-Added Services

• Secure Benefit (doubles sum insured at the time of acquisition)
• Plus Benefit (increases sum insured at renewal)
• Restore Benefit (restores total sum insured if the base cover is used partially or wholly)
• Protect Benefit (non-medical bills are covered up to a certain percentage of the total bill)

2). my:health Suraksha

• In-patient hospitalisation expenses
• Post-hospitalisation expenses (180 days)
• Pre-hospitalisation expenses (60 days)
• Home healthcare
• Daycare treatments
• AYUSH treatment
• Domiciliary treatment
• Organ donor expenses
• Road ambulance

Value-Added Services

• Air ambulance cover
• Sum insured rebound
• Recovery benefit
• Renewal Benefits
• Cumulative bonus
• Preventive healthcare checkup booster

3). my: Health Active

• Optima Restore
• In-patient hospitalisation expenses
• Post-hospitalisation expenses (180 days)
• Pre-hospitalisation expenses (60 days)
• Organ donor expenses
• Domiciliary treatments
• Daily cash benefit for shared rooms
• Ambulance expenses
• E-opinion for critical illness
• Restore benefit
• Multiplier benefit
• Healthcare check-up

Optional Benefits

• Unlimited restore benefit

4). Medisure Super Top-up

• In-patient hospitalisation expenses
• Post-hospitalisation expenses (60 days)
• Pre-hospitalisation expenses (30 days)
• Pre-existing diseases
• Daycare treatments.

All in all, HDFC ERGO family health insurance policies can be a great addition to your healthcare setup. From covering treatments at the finest of hospitals to offering preventive measures and cashless treatment, you'll get exceptional value for money, along with top-notch service from a renowned name in the Indian insurance sector.

It's hard to go wrong with the HDFC ERGO family policy, which offers a variety of value-added benefits, it's priced fairly, and it has high rankings for customer satisfaction. Also, you can enjoy new member discounts by applying online and taking your friends, family and relatives along. These reasons, combined with its solid base of coverage, make it easy to recommend. Of course, there are also other factors to consider based on your individual needs. Regardless, the HDFC ERGO policy is definitely worth taking a look at; if nothing else, it will give you an idea of whether a family insurance policy is right for you.