Just caring for your family is not enough. With the cost of medical care rising exponentially, it is important to have a financial shield for your family. A family health insurance provides coverage for the entire family on individual sum insured basis on floater basis, wherein same sum insured is shared by all the members of the family. HDFC ERGO offers a plethora of health plans designed to keep your family safe in the event of emergencies. Quick disbursal and our extensive network of cashless hospitals ensure that you get the best care whenever you need it!
This health insurance plan by HDFC ERGO offers 4X health coverage at no additional cost, which means you actually get 4 times increase in health cover at the cost of your preferred sum insured. Explore other benefits like no disease & room rent capping to avail quality medical treatments.Buy Now Know more
While you may think the savings accumulated over the entire career may be enough to take care of your medical needs. The corpus may run out earlier than you think. Health insurance for senior citizens is a crucial tool to safeguard your life savings. It will help you take care of your health needs even in an era of rising medical costs.
my:health Medisure Super Top-up
C-1/15A Yamuna Vihar, Pincode-110053
C-1/15A Yamuna Vihar, Pincode-110053
C-1/15A Yamuna Vihar, Pincode-110053
We cover all your hospitalisation expenses arising from illnesses and injuries seamlessly. Most importantly, the Optima Secure plan includes treatment costs for Covid-19 as well.
Instead of 30&90 days availed normally, get 60 & 180 days pre and post hospitalisation medical expenses covered.
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Prevention is certainly better than cure and that’s why we offer a free health check-up on renewing your health insurance policy with us.
Optima secure plan is tailored to reimburse the cost of air ambulance transport upto ₹5 lacs too.
Optima Secure plan covers road ambulance cost upto the sum insured.
Get daily cash of ₹800 per day up to a maximum of ₹4800 on hospitalisation, as out-of-pocket expenses under Optima Secure Plan.
Avail e-Opinion for 51 Critical Illnesses through network provider in India under Optima Secure plan.
We will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.
We cover medical expenses for harvesting a major organ from the donor’s body where insured is the recipient.
We cover treatment costs upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Optime Secure plan has your back. Our health insurance policy covers your medical expenses for a lifetime on break free renewals.
Please read the policy wordings, brochure and prospectus to know more about my Optima Secure.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)
We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies.
(Congenital diseases refer to birth defects).
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.
Fill up the pre-auth form at the network hospital for cashless approval
Once hospital intimates us, we send you the status update
Hospitalisation can be done on the basis of pre-auth approval
At the time of discharge, we settle the claim directly with hospital
You need to pay the bills initially and preserve the original invoices
Post hospital discharge send us all your invoices and treatment documents
We verify your claim related invoices and treatment documents
We send the approved claim amount to your bank account.
Don’t just protect your family from health emergencies, but also save on taxes with family health insurance. Reduce your tax liability up to ₹1,00,000 in a year under Section 80D of the Income Tax Act, 1961.
Investing in family health insurance can help you avail of deduction of up to ₹25,000 in a financial year.
Get an additional tax deduction of ₹25,000 for the health insurance bought for parents. If any of your parents is a senior citizen, the deduction limit increases to ₹30,000.
You can get tax benefits up to ₹5000 in a year for preventive health check-ups.
Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
While buying health insurance, we often think if all our family members are eligible for getting insurance. The eligibility for health insurance primarily depends on
It is extremely important to declare your medical history honestly while buying health insurance. Non-severe illnesses like fever or flu may not matter, but diseases like cancer or heart ailments have to be declared. The insurer may cover certain pre-existing diseases after the waiting period, while some diseases may require additional premium.
If you are over the age of 18 years, you will not face any problems while getting health insurance. Senior citizens can get insured up to the age of 65. With HDFC ERGO, you can also get insurance for your new born baby, but you need to have mediclaim insurance with us to get the baby covered.
Lower dependancy on group plans
Your employer may have offered you health insurance that also covers some of your family members. It is, however, important to remember that employer health insurance remains active only till you are part of the company. Your family may not have any kind of coverage when you look for a new job. Moreover, many employers do not offer health coverage during the probation period. Do not rely on the cover provided by the employer for the health of your family.
Remain prepared for all emergencies
Many of us delay health insurance for the future and realise our folly only when an emergency hits. Do not let any untoward incident disturb the peace and happiness of your family. Get family health insurance and ensure good health for all the members.
Just buying a health insurance plan may not be enough. If you do not have adequate coverage, your family members may not be able to avail of certain healthcare facilities when needed. It is important to get all the members insured so that your family has comprehensive coverage, especially if you reside in a large city as medical facilities in cities are relatively expensive.
Why take the pain of filling lengthy documents and standing in a queue. Online health plans offer unprecedented convenience. You can conduct research, seek expert opinion and buy the plan, everything with the click of the mouse.
With contactless payment becoming the norm, why make cash or cheque payments. Use your debit card, credit card or net banking facility to make secured payments online.
You can customise the plan, change the number of members or modify the plan and get the premium instantly. You do not need a person to calculate the premium for different scenarios. Everything is at your fingertips when you buy online.
Eliminate the wait for the policy document. Get the policy document instantly in your mailbox as soon as you pay the first premium.
Get access to all policy-related documents in the my:health services mobile application. You can book online consultations, monitor calorie intake and calculate BMI all through the mobile application.
28 Oct 2020
I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.
15 Oct 2020
I am totally satisfied with the services. The toll free line and IVR line worked even in Covid19 crisis. HDFC customer care executives communication is extremely helpful.
12 Oct 2020
I am glad that you have processed our claim as per the request of our mail.Thank you for considering our mail and responding to it. I am so happy for approving our claim.
28 Sep 2020
Appreciated services provided by your executives.
20 Oct 2020
Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service