Why Health Insurance is Essential
Health insurance provides financial support during medical emergencies by covering healthcare expenses. That’s why it’s crucial to choose a comprehensive health insurance plan that offers complete coverage whenever you need it.
One such plan is HDFC Ergo Health Insurance, which offers 360-degree coverage. Before diving into its coverage details, let’s learn a little about HDFC Ergo.
About HDFC Ergo
HDFC Ergo was founded as a joint venture between HDFC Limited and ERGO International AG, a Germany-based company. This collaboration ensures high-quality health insurance services with extensive coverage.
If you’re looking for a health insurance or term insurance plan and don’t know where to start. You can easily explore and purchase the right plan without any hassle.
Key Features of HDFC Ergo Health Insurance
- Cashless Claim Settlement: Within 2 hours
- Entry Age: Minimum 91 days, Maximum 65 years
- Sum Insured: Up to ₹1 crore
- Network Hospitals: Over 12,000 across India
- Tax Benefits: Up to ₹1 lakh
- Claim Settlement Ratio: 98.49%
- Additional Coverage: Ambulance & accident coverage
Plans Offered by HDFC Ergo
- HDFC ERGO Critical Inpatient Policy
- HDFC ERGO Wallet Family Floater
What’s Covered?
✅ Hospitalization Expenses (Room rent, ICU charges, and other expenses)
✅ Mental Health Care
✅ Pre & Post-Hospitalization (60 days before admission & up to 180 days after discharge)
✅ Daycare Treatment
✅ Home Health Care
✅ Sum Insured Rebound (Automatically restores exhausted cover for future hospitalization)
✅ Organ Donor Expenses
✅ Recovery Benefits (Covers expenses if hospitalized for more than 10 days)
✅ AYUSH Treatment (Alternative medicine coverage)
✅ Free Health Check-ups
✅ Lifetime Renewability
✅ Multiplier Benefit: If no claim is made in the first year, the sum insured increases by 50% the next year. For example, a ₹5 lakh cover becomes ₹10 lakh.
What’s Not Covered?
❌ Adventure Sports Injuries
❌ Self-Inflicted Injuries
❌ War & Defense Operations
❌ Sexually Transmitted Diseases (STDs)
❌ Cosmetic Surgery
Waiting Period
- Initial Waiting Period: 30 days from policy issuance
- Pre-existing Disease Waiting Period: Varies based on the plan
- Maternity Expenses Waiting Period: Depends on the selected plan
Why Buy Insurance Online?
PolicyX recommends purchasing insurance online because of several benefits:
✔ Easy Plan Comparisons
✔ 24/7 Customer Support
✔ Lower Premiums
✔ Instant Policy Issuance
Also, remember: Buying insurance at a younger age ensures lower premiums and longer renewability.
Final Thoughts
HDFC Ergo Health Insurance is an excellent choice for those seeking comprehensive coverage and a high claim settlement ratio. Make an informed decision and choose the best health insurance plan for you and your family today!