Independence Day 2024: Freedom To Choose The Best Health Insurance Plans

Posted on: Aug 13, 2024 | 3 mins | Written by: HDFC ERGO Team

Independence Day 2024: Freedom To Choose The Best Health Insurance Plans

As India celebrates its 78th Independence Day, we reflect on the significant changes and major transformations that have reshaped our country, especially in the consumer services industry. Today, we have the freedom to choose what’s best for our families, particularly in terms of their safety and well-being.

15th August 2024 symbolises our newfound power to choose the very best for our families' safety and well-being. With this freedom comes the opportunity to secure our loved ones with choices that reflect our deepest concerns. Even the IRDAI has acted as a catalyst for improving the ecosystem of the health insurance industry with its progressive and innovative measures, such as removing the upper limit for entry age and reducing the waiting period for pre-existing conditions. This has not only helped the industry at large but made it more inclusive and aided insurance penetration as well.

At HDFC ERGO, we understand your desire for freedom and empowerment, free from the stress of unpredictable medical emergencies. This Independence Day, explore our health insurance plans designed to offer you genuine freedom—freedom from worries about medical expenses and the peace of mind you deserve. Choose a mediclaim policy that aligns with your needs and enjoy the true essence of independence.

1. my:Optima Secure Health Insurance

This health insurance plan offers you not 1, not 2, but 4 times coverage that too at no additional cost. Along with worldwide coverage, the policy comes with features like no room rent capping, unlimited day-care procedures and a no-cost instalment benefit.

Feel free to choose coverage starting from ₹5 lakhs and going up to ₹2 crores and a policy tenure that is most suited to your needs.

2. Optima Restore Family Health Insurance Plan

This Independence Day, choose a plan that can meet your and your family’s healthcare needs. Features like multiplier benefit, where your sum insured increases by 50% in case of a claim-free year, preventive health check-ups up to ₹10,000 and hospital cash benefit to take care of the out-of-pocket expenses in case of hospitalisation make this mediclaim policy a worthy option.

3. my:health Women Suraksha Insurance

As a woman, you’ve likely felt the surge of empowerment in these transformative times. Break free from the chains of guilt and responsibility and liberate yourself from financial constraints. Embrace health insurance plans designed to cater to your unique needs, offering you the protection and peace of mind you deserve.

4. my:health Medisure Super Top-up

Worried your health coverage will run out in your time of need? my:health Medisure Super Top-up can free you from this worry and come to your rescue. Strengthen you existing health insurance plan wit this top up plan where you pay less and gain more.

5. Critical Illness Health Insurance

Free yourself from the constant worry of a critical illness eating up your hard-earned savings. This Critical Illness Health Insurance by HDFC ERGO covers over 15 illnesses that can severly affect your body and also call for exhorbitant treatment. A lump sum payout assures that even in case of an illness you will be able to take care of expenses that go beyong hospitalsation.

6. iCan Cancer Insurance

Did you know in 2022, India reported 1.46 million cases of cancer? Studies suggest that by 2025, a 12.8% increase is expected, taking this number to 1.57 million. Scary, isn't it? With HDFC ERGO you get the freedom to renew your coverage for life, even after making a claim. Advanced treatments like chemotherapy and stem cell transplantation, additional sum insured benefits, second opinions and follow-up care are just some of the comprehensive benefits you can enjoy with this mediclaim policy.

7. Health Wallet for Individuals

This is an innovative health plan wherein you can reserve up to 50% of your sum insured if you do not use it up in one year for the next year! This plan would encourage young adults to opt for health insurance plans early in their lives, and then reserve the coverage to be utilised at a later point in time, without having to compromise on present coverage!

8. HDFC ERGO Energy Plan

India is referred to as the “Diabetes Capital of the world” because it accounts for 17% of the world’s diabetic people. In 2023, according to research conducted by the ICMR (Indian Council of Medical Research) confirmed that India has about 10.1 crores of diabetics and another 13.6 crores of pre-diabetic people.

The Energy Plan is exclusive for people with pre-existing conditions with Type 1 and Type 2 diabetes without any waiting period! They can avail of coverage from day 1.

Conclusion

When it comes to securing your family’s future, making a decision can be tough. With so many health plans, picking the best one can be tough. Here’s our suggestion. Rather than looking for the best health insurance plan (trust us, they are all great in their own way), look for a plan most suitable for your needs. Take your time, chalk out your healthcare requirements, your family’s needs and your budget and then make a decision. The right health insurance plan will fit seamlessly into your life and provide the protection you seek.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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