HDFC My Health Medisure Classic Plan

HDFC My Health Medisure Classic Plan Overview

Health Medisure Classic Insurance from HDFC ERGO is a comprehensive health insurance plan that takes care of your medical costs arising out of an accident, illness or injury. The policy has no restriction on entry age and offers life long renewals. The plan is designed keeping in mind the different medical needs of an individual and one can be prepared for any unexpected ailments.

HDFC ERGO Company Overview

HDFC ERGO General Insurance Company is a collaboration between HDFC Limited, India's leading housing finance institution and ERGO international, a Germany based insurance company from Munich Re Group. HDFC ERGO offers a comprehensive spectrum of insurance products including life, health, travel, vehicle and home insurance which serves retail, rural and commercial sector of the country.

Benefits of HDFC Medisure Classic Plan

  • The policy has a family floater option which means you can cover your family with this plan.
  • The company provides a 5% cumulative bonus for each claim-free year (subject to maximum 50% of coverage).
  • The premiums paid towards the policy are eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
  • 10% family discount is applicable if more than 2 family members are covered on Individual Sum Insured Basis.

Features of HDFC My Health Medisure Classic Plan

HDFC Medisure My Health Classic plan offers comprehensive coverage against any planned and unplanned medical expenses. Some of the unique features of this plan are:

  • This plan offers affordable premium rates
  • You can raise a cashless claim at network hospitals.
  • Lifetime renewability.
  • Optional add-on riders are available with an additional nominal premium to enhance the policy coverage.
  • Free health check-up at the end of the 4th claim-free policy year.
  • The policy covers pre as well as post hospitalisation expenses along with in-patient hospitalisation expenses, day care procedures, hospitalisation due to an accident, domiciliary hospitalisation, offers maternity and new-born baby benefits, pre-existing conditions after waiting period, and ayurvedic treatments.

What is Covered in HDFC My Health Medisure Classic Plan?

Hospitalisation Expenses
Room Rent1% of the sum insured to the maximum of Rs. 4000 a day
ICU Rent2% of the sum insured to a maximum of Rs. 6000 a day
Daycare ProceduresCovered
Domiciliary HospitalisationCovered
Reinstatement of Sum InsuredCovered, only in case of hospitalisation due to an accident
MaternityNormal delivery: Maximum of 10% of the sum insured or Rs. 20,000 Caesarean: 20% of sum insured or Rs. 40,000 or actual, whichever is lower
New-Born Baby CoverCovered for 90 days from the date of birth
Pre-hospitalisationCovered for 30 days
Post-hospitalisationCovered for 60 days
Hospital CashRs. 500 per day from 4th to 10th day if hospitalisation exceeds 3 continuous day
Ambulance ChargesUp to Rs. 1500 Per Hospitalisation
Health Check-upUp to 1% of the average sum insured after every 4 continuous claim-free policy years
Ayurvedic TreatmentCovered (subject to a maximum limit of 25,000 per policy year)
Additional BenefitRecovery benefit of Rs. 5000 if hospitalisation exceeds 10 days

What Is Not Covered In HDFC Medisure Classic Plan?

The HDFC Medisure Classic Plan Doesn’t Offer Coverage For The Below

  • Pre-existing diseases for the first 3 policy years
  • First 2 years of policy are excluded from the diseases such as Hernia, Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Congenital Internal Diseases, Piles, Fistula in Anus, Sinusitis and related disorders
  • Any diseases incurred during the first 30 days from the start date of the policy
  • Diabetes and Hypertension
  • Domiciliary hospitalisation expenses in certain areas specified by the company
  • Genetic disorder
  • Dental treatment or surgery
  • Routine ear and eye examinations, cost of lenses or spectacles, laser surgery for cosmetic purposes
  • Suicide and self-inflicted injury
  • Treatment of any medical illness, disorder stress, anxiety or depression
  • The procedure required due to use of drugs, alcohol, or any intoxicant

Eligibility for the HDFC Medisure Classic Plan

Eligibility and Restriction Details of HDFC Medisure Classic Plan

Coverage Amount (in multiple of Rs. 1 lakh)Rs. 1,00,000 (individual)
Rs. 2,00,000 (Family floater)
Rs. 5,00,000
Policy Term1 Year2 Year
Entry Age18 years Entry age for a dependent child is 3 months to 23 years65 Years
RenewabilityLife LongLife Long
Grace Period30 days30 days
Free-look Period15 days15 days
RidersDouble sum insured for critical illness Waiver of room rent sub-limits15 days

Premium details of HDFC My Health Medisure Classic Plan

The premium will vary based on your age, sum insured, policy term and coverage.

Below is Illustrated Premium Details For An Individual With Base Cover.

Age/sum insured1 Lakh2 Lakh3 Lakh4 Lakh5 Lakh
Up to 35 years2,3532,9693,6834,5195,288
36 to 40 years2,5873,2724,0725,0075,869
41 to 45 years2,8393,6054,5055,5536,524
46 to 50 years4,0205,1646,5308,1059,590
51 to 55 years4,9376,2087,7339,48511,142
56 to 60 years6,4798,23210,35512,78215,095
61 to 65 years7,4339,48011,96814,80917,522
66 to 70 years10,21413,10916,64620,67424,539
71 to 75 years12,91516,61821,15926,31631,281
76 to 80 years13,79117,74722,60528,11933,432
Above 80 years16,17820,85826,61133,13839,433

(all premium in rupees and are inclusive of GST)

Tax Benefits HDFC Medisure Classic Plan

You can get tax exemptions under Section 80D of the Income Tax Act, 1961 for premiums paid up to Rs. 25,000 for Self, Spouse and dependent children and Rs. 50,000 for senior citizens.

HDFC Medisure Classic Premium Calculator

You can calculate your health insurance premium with HDFC ERGO in a few seconds. It is a convenient and straightforward process to determine your yearlyhealth insurance premium. Visit and calculate your health insurance premium in no time.

You need to mention the basic details about yourself such as date of birth, name and contact details.

Documents Required For HDFC Medisure Classic Policy

The Below Documents Are Required To Buy HDFC Medisure Classic Policy:

  • Identity proof and residential proof
  • Medical certificate, if required

All individuals up to 50 years, the company will rely on the declaration made on the proposal form. In case the declaration reveals any medical condition, the company may require the customer to undergo health inspection.

For the age group 51 to 65 years, the customers would be required to undergo medical tests. The test includes a medical examination report, treadmill test, lipid profile, HbA1C, complete blood count, urinalysis.

Claim Process Of HDFC My Health Medisure Classic Plan

There Are Two Methods To Claim Your HDFC Medisure Classic Plan.

For Cashless Hospitalisation:

  • Contact the company
  • Submit a cashless request form along with all information and documents pertaining to the illness
  • The company representatives will guide you further and help you to process the request. Based on the coverage of your plan, the cashless application will be approved. It is important to note that the cashless facility is available only for network hospitals.

For reimbursement of expenses: You need to collate all original bills along with the documents as required and submit them to the address specified in your policy document.

In Case Of Planned Hospitalisation:It is advisable to inform the insurer 72 hours in advance before admission (24 hours in case of emergency).

The claim settlement procedure adopted by HDFC ERGO is quick and transparent. You can contact on company’s toll-free number 1800 209 5846 or can write at

Documents Required To Claim HDFC Medisure Classic Policy

The Below Mentioned Documents Are Required To Claim HDFC Medisure Classic Policy:Hospital Details:The details about the hospital must be provided where the insured was undergoing the treatment. The details may include a description of the illness and treatment, the number of doctors and nurses, etc.

Hospital Bills:All the original bills including discharge report issued by the hospital must be provided at the time of the claim.

Treatment Reports:Original reports about the treatments, laboratory reports, and medical bills should be submitted.

Claim Form:The correctly filled and signed claim form issued by HDFC ERGO has to be submitted along with all the documents mentioned above.


HDFC Medisure Classic Plan offers a comprehensive coverage against any medical expenses. The plan understands your unique medical needs and provides you a step-by-step solution to ensure you a complete well-being. HDFC Medisure Classic Plan is among one of the most popular health insurance plans in the country providing comprehensive coverage at affordable premiums, 10000+ network hospitals, flexible premium payment options and facility of availing cashless hospitalisation and several day care procedures. HDFC Medisure Classic plan is apt for those who are looking for complete health coverage with uninterrupted medical treatment. Choosing this plan shall offer protective coverage, reduce the financial burden arising due to unexpected medical conditions and ensure quality medical treatment.

Customer Reviews HDFC Medisure Classic Plan

HDFC ERGO Medisure Classic Plan is designed in a way to understand your family's unique health needs. The plan has extensive coverage and provides a step by step plan to ensure your complete well-being.

The health plan offered by HDFC includes pre and post hospitalisation expenses for 30 and 60 days respectively. Maternity and the new-born baby cover are included in the plan. The policy provides individual as well as family floater plan to cover yourself and your family against any uncertain medical illness. You can enhance your policy coverage by adding accidental and critical illness rider to the plan.

The plan comes with a 5% cumulative bonus for each claim-free year. In the case of a claim during a year, the cumulative bonus will be reduced by 10%. It is possible to transfer your other health insurance policy to HDFC ERGO with all accrued benefits after due allowances for waiting periods. The policy offers a free look period of 15 days and provides a grace period of 30 days from the due date to make a premium payment.

The company has a smooth claim settlement process with zero documentation on the cashless claim option. Moreover, the premiums paid towards the plan are exempted from the tax up to certain limitations under Section 80D of the Income Tax Act 1961.

FAQ's On HDFC My Health Medisure Classic Plan

What Are The Additional Benefits Of HDFC Medisure Classic Policy?

  • Numerous day care treatments are included under the HDFC Medisure Classic Plan.
  • You can avail zero documentation cashless treatment at ease.

Who Can Buy HDFC Medisure Classic Policy?

Any Indian national, from age 18 to 65 years (in case of a dependent child, 3 months to 23 years) can buy this plan.

How To Buy And Renew HDFC Medisure Classic Policy?

You can easily buy and renew HDFC ERGO Medisure Classic Policy through an online and offline channel.

Online:You can visit the company’s official website or an online insurance broker in order to purchase this plan.

Offline:The plan can be purchased through distribution channels such as banks and agents.

In order to renew your HDFC ERGO Medisure Classic plan, you shall pay the premiums on due date. To keep track of the same, you can either check it online or through its distributor's network. Alternatively, you can also call the toll-free number to renew your policy.