HDFC ERGO Health Insurance

Portfolio of products

This policy offers basic coverage in the range of INR 3,00,000 and INR 10,00,000 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).

This plan specially offers individual cover for critical illness in the range of INR 1,00,000 and INR 50,00,000 for individuals between age 5 years and 65 years.
In this plan a lump sum amount equal to sum insured is offered to policy holder 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.
There are other two variants of this plan which are mentioned below.

This plan specially offers individual cover for critical illness in the range of INR 1,00,000 and INR 50,00,000 for individuals between age 5 years and 65 years.
In this plan a lump sum amount equal to the sum insured is offered to policy-holder 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.

This plan specially offers individual cover for critical illness in the range of INR 1,00,000 and INR 50,00,000 for individuals between age 5 years and 65 years.
In this plan a lump sum amount equal to sum insured is offered to policy-holder 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.

This plan offers coverage in case of accidents anywhere in the world in the range of INR 2,50,000 to INR 15,00,000 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.

This policy offers basic coverage in the range of INR 2,00,000 and INR 10,00,000 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.

This policy offers basic coverage in the range of INR 3,00,000 and INR 5,00,000 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.

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 INR 2,00,000 and INR 10,00,000 and the deductible amount is in the range of INR 1,00,000 and INR 5,00,000.
This plan offers basic coverage like pre and post hospitalization expenses, no sub-limits, no-claim bonus, hospital expense cover, ambulance cover, etc.

This is a basic family floater plan which covers health costs of the entire family in the range of INR 3,00,000 and INR 5,00,000.
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.

This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 10,00,000.
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.

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 INR 2,00,000 and INR 10,00,000 and the deductible amount is in range of INR 1,00,000 and INR 5,00,000.
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.

This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 10,00,000.
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.