Best Health Insurance Plans offered by HDFC Ergo

Health insurance plans involve various types, and customers should know more about them in detail. HDFC ERGO is a leading company that offers a variety of plans for individuals and families at affordable rates. It has tie-ups with more than 10,000+ hospitals allowing people to undergo high-quality treatments. The insurance company aims to cater to customers’ needs when they want to buy a new policy. Anyone who wants to get comprehensive coverage for health illnesses can choose the plans offered by the company that will help a lot to ensure more protection.

They are ideal for those who want to live a financially stable life. Moreover, HDFC ERGO health insurance takes care of all medical needs during emergencies to avoid unwanted problems. The company provides ways to choose a plan depending on the requirements and budget. Thus, it contributes more to getting high protection from financial crunches caused by medical treatment and expenses. Another thing about the company is that it allows policy buyers to make the right decision when selecting a plan.

5 Best Health Insurance Plans offered by HDFC Ergo

• HDFC ERGO Optima Restore Health Insurance Plan 
• HDFC ERGO My Health Suraksha Insurance 
• HDFC ERGO Health Optima Restore 
• HDFC ERGO My Health Women Suraksha 
• HDFC ERGO Corona Kavach Policy

1. HDFC ERGO Optima Restore Health Insurance Plan 

HDFC ERGO Optima restore Health Insurance plan allows policyholders to get comprehensive coverage against illnesses and medical costs. The plan is available for individuals and families, thereby showing ways to gain more advantages. It has no sub-limits on room rent and provides coverage on room rent up to the sum insured. Moreover, policyholders can get a daily cash benefit of up to Rs.6000 per hospitalization when it comes to shared accommodation. In addition, the plan offers preventive health check-ups for up to Rs.5000 at the time of renewal.

It also provides coverage for pre-hospitalization and post-hospitalization with 60 days and 90 days waiting periods. Some other features covered by the plan include daycare procedures, ambulance coverage, advanced medical treatments coverage, etc. Moreover, it offers a lump-sum amount of Rs.10000 for about 10 days continuously when a policyholder stays in a hospital. The minimum sum insured amount is Rs.5 lakhs, and the maximum sum insured amount is Rs. 50 lakhs.

2. HDFC ERGO My Health Suraksha Insurance 

Hdfc ergo my health suraksha insurance plan is available in Gold, silver, and Platinum variants allowing policyholders to get the right coverage. The sum insured amount offered by the silver smart plan is Rs. 3 lakhs to Rs. 5 lakhs. Similarly, the gold smart plan offers a minimum sum insured amount of Rs 7.5 lakhs and a maximum sum insured amount of Rs. 15 lakhs. The platinum smart plan offers a minimum sum assured amount of Rs. 20 lakhs and a maximum sum assured amount of Rs.75 lakhs.

Some of the features offered by the silver smart plan include no room rent capping, mental healthcare, alternative treatments, cashless home healthcare, organ donor expenses, and so on. The gold smart plan covers features such as 586 daycare procedures, convalescence benefit, AYUSH treatment with no sub-limits, etc. The platinum smart plan provides coverage for air ambulance, ambulance coverage, modern treatment methods, pre-hospitalization, post-hospitalization, and so on. It offers a recovery benefit of Rs.25000 with lump-sum payouts for policyholders when the hospitalization exceeds 10 days consecutively. HDFC ERGO My health Suraksha offers floater coverage for families to include more members. The policy is available at affordable rates to get high-level protection from medical treatment costs. 

3. HDFC ERGO Health Optima Restore 

Hdfc ergo helath optima restore a comprehensive plan which offers sum insured amounts from Rs.3 lakhs to Rs. 50 lakhs and policyholders can choose anyone among them accordingly. HDFC ERGO optima restore health insurance plan is suitable for those who want to restore benefits automatically with 100% sum assured on complete or partial utilization. Moreover, the multiplier benefit available from the plan allows policyholders to double their sum insured amount in 2 claim-free years.

It provides preventive health check-ups up to Rs.5000 and daily cash of up to Rs. 6000 per day when it comes to shared accommodation. HDFC ERGO optima restore family floater offers a 7.5 % discount on a 2-year policy and a 10% discount when customers add 2 or more family members to a plan. Some of the features offered by the plan include lifelong renewability, critical advantage rider, emergency air ambulance, domiciliary hospitalization, ambulance coverage, stay active benefit, and so on. 

4. HDFC ERGO My Health Women Suraksha 

This policy is mainly meant for women to protect against various health contingencies. HDFC ERGO health plan for women offers comprehensive coverage under a single policy to get financial stability during medical emergencies. The plan includes a sum insured amount of Rs.1 lakh to Rs.1 crore, allowing women to gain more advantages. Some of the features offered by the policy include critical illnesses coverage, surgery treatment costs, maternity coverage, newborn baby expenses, etc. The main highlight of this policy is that it provides 50% of the monthly salary for up to 6 months when a woman loses her job due to surgeries or illnesses. It offers coverage for cancer, heart disease, preventive health check-ups, wellness, and health coach to get maximum protection. 

5. HDFC ERGO Corona Kavach Policy

Corona Kavach Policy offered by HDFC ERGO health insurance company provides exclusive coverage for Covid-19 treatment. The sum insured amount covered by the plan is Rs. 50000 to Rs. 5 lakhs. It covers all hospitalization expenses for policyholders when they suffer from Covid-19. On the other hand, it has a waiting period of 14 days, and a policyholder can claim amounts after that. Some other features covered by the policy include ambulance coverage, AYUSH treatments, pre-hospitalization, post-hospitalization, homecare treatment, medical bills, and so on.

Customers who want to know HDFC ERGO health insurance plans visit the company’s official website or from the insurance aggregator website like iiflinsurance.com. This will help a lot to choose the right one which satisfies the requirements of a person. One can even buy the policy online at discounted prices to save more money. While purchasing a health insurance plan, it is imperative to read the terms and conditions, which give ways to claim amounts with ease.