Health Insurance


Health Insurance HDFC ERGO offers the best health insurance plans with a wide range of benefits for their Clients. Their comprehensive health insurance plans are available at the most affordable prices, backed up by a network of over 5000+ hospitals, and come with features like Enhanced No Claim Bonus, flexible payment options and cashless hospitalization facility. These health insurance plans cover hospitalization in cases of accidents or sickness along with pre and post hospitalization expenses, day care procedures, domiciliary treatment and other expenses. Here are the list of HDFC ERGO’s health insurance plans:

Health Suraksha The Health Suraksha plan comes with features like cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and all other major expenses of a similar nature.

Health Suraksha Gold With Health Suraksha Gold, you get a cost-effective health insurance plan that provides cover for in-patient treatment costs, pre-hospitalization and posthospitalization expenses without sub limits, additional maternity benefits, convalescence benefits and E-opinion.

Health Suraksha Regain Health Suraksha Regain insurance plan comes with additional benefits of automatic availability of sum insured upon its exhaustion, thereby offering you financial security with no sub-limits.

Health Suraksha Top Up Plus A health insurance plan that is designed to supplement your primary health insurance policy plan, Health Suraksha Top Up Plus provides additional coverage benefits at economical costs.

Critical Illness Insurance The right health insurance policy, this Critical Illness policy pays a lump sum benefit amount on the first diagnosis of any of the critical illnesses listed.

Critical Illness Platinum Covering 15 Critical Illnesses and providing a Lump Sum Benefit amount on first diagnosis of a particular illness, the Critical Illness Platinum policy is your savior in times of unforeseen critical illnesses. Health Insurance Plan offered by HDFC ERGO How do you make a strong health insurance cover portfolio? HDFC ERGO offers two types of Health Insurance plans to choose from as shown below.

Indemnity Health Insurance plans: Indemnity insurance compensates the policy holder for the actual financial losses, even if the actual sum insured of the policy is higher. However, the cover amount can be utilized multiple times maximum up to the sum insured. Indemnity covers the listed expenses, like in case of a Health insurance policy, which covers the hospital room rent costs, doctor’s fees, operation theatre charges, pre- & post- hospitalization charges, etc. This is in contrast to, a lump-sum benefit plan, where the amount of the insured’s financial loss is not the criteria for insurance payout. HDFC ERGO offers an array of indemnity products under Health Suraksha. Health Suraksha Type Of Plan : Indemnity Benefit



Silver Regain


Gold Regain Top Up

and Enhancemen t Cummulative Bonus(ECB) In-patient Treatment Prehospitalization Posthospitalization Day Care Procedures Domiciliary Treatment Organ Donor Emergency Ambulance AYUSH Benefit Cumulative Bonus Medical Checkups Regain Benefits Maternity Benefit Enhanced Cumulative Bonus E Opinion for Critical Illness Convalescenc e Benefit High Deductible

and Enhancemen t Cummulative Bonus(ECB)

Lump-sum benefit Health Insurance plans: With lump-sum benefit plans, the entire sum insured is paid on occurrence of the covered event. Like in case of critical illness benefit plan, the entire sum insured amount is paid in lump sum on first diagnosis of the any one of the listed critical illnesses. This plan is intended to support the insured where there are miscellaneous costs like rehabilitation or physiotherapy, follow up medical investigations & diagnostic tests, any aids or purchases like ergonomic furniture & house modification, dietary supplements, BP monitoring machines, etc. incurred when diagnosed with these life-threatening diseases. The amount can be utilized by the policy holder for debt payments, any loss of income, etc. HDFC ERGO’s Lump sum benefit plan for Critical illness, Critical Illnesses Type Of Plan : Lump-Sum Benefit Plan

Critical Illness Covered Heart attack ( Myocardial Infarction) Coronary artery bypass surgery Stroke Cancer Kidney failure Major organ transplant Multiple sclerosis Paralysis Aorta Graft surgery Primary pulmonary Arterial Hypertension Heart Valve Replacement Benign Brain Tumor Parkinson's Disease Alzheimer's Disease End stage Liver Disease




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FAQ's 1. Why do I need health insurance? 2. What are the benefits of having a health insurance policy? 3. Is it possible to apply for the policy online? 4. What kinds of policies are available for a health insurance plan? 5. What other policies are available? 6. How do I know which policy is best for me? 7. How can I find how much premium I will have to pay? 8. Is there any limitation on age at entry for health insurances? 9. What is the procedure for claim settlements? 10. How can I find hospitals where I can avail the cashless facility?

HDFC ERGO has a network of over 5000+ hospitals which will provide you with cashless facilities. You will be provided a list of all the associated hospitals. You can also use our hospital locator to find all the associated hospitals in your area.


Health Insurance

Health Insurance HDFC ERGO offers the best health insurance plans with a wide range of benefits for their Clients. Their comprehensive health insuranc...

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