Knowledge Centre
₹5 lacs - ₹2 Cr
Additional 5% Online


99.8% Claim Settlement Ratio**
97% Claim

Settlement Ratio*^

₹7500+ Cr claims Settled till now#
₹7500+ Cr claims

Settled till now^*

Health Insurance Plans for Family

health insurance plan

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!

Recommended Family Health Insurance Plans

Just launched online health insurance for bigger families

my:Optima Secure

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.

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health insurance policy for family

my:health Suraksha

This plan offers free health inspection every year so that you remain in the pink of health, always. And family members below the age of 45 do not even have to get tested to get insured. No room rent capping is another key benefit offered by my:health Suraksha.

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medical insurance policy for Family

Optima Restore - Family

Choose a family health insurance plan that offers 100% sum insured restoration after the first claim and enjoy complete protection all year round. It also offers 2x multiplier benefit, if you do not make claims.

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medical insurance policy for Family

Medisure Super Top-up

Why pay more for a bigger cover when you always have an option to top it up with my:health Medisure Super Top-up. Our health insurance plan for individual offers lifelong renewability & AYUSH benefits to cater for their growing medical needs.

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Need for Best Health Insurance Plan for Family

What is health Insurance policy

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.

health insurance covers medical expenses
Covers Medical Expenses
health insurance covers cost of hospitalization
Quality Medical Attention
health insurance covers icu charges
Preventive Health Check-up
ambulance cost covered in health Insurance
Beats inflation
day care procedures covered in health insurance
Save Tax^
ayush benefits covered in health insurance
Peace Of Mind
buy a health insurance plan
Choose Peace of Mind Over Panic

Compare our Family Health Insurance Plans

  • Just launched
    optima Secure health insurance policy

    Optima Secure

  • optima restore health insurance policy

    Optima Restore

  • my:health suraksha insurance plan

    my:health Suraksha

  • my: health medisure super top-up plan

    my:health Medisure Super Top-up

Just launched
Optima Secure
Cashless hospitals network
4X Coverage*
Wider Pre & Post Hospitalisation
Wider Pre & Post Hospitalisation
free preventive health check-ups with optima restore
Free preventive health-check ups

Key Features

  • Secure Benefit: Get 2X coverage from Day 1.
  • Plus Benefit: 100% increase in coverage after 2 years.
  • Restore Benefit: 100% restores your base coverage
  • Protect Benefit: Zero deductions on listed non medical expenses°.
Optima Restore
Cashless hospitals network
10,000+ Cashless hospitals
Cashless Claims Settled in 20 Mins
Cashless Claims Settled in 20 Mins*~
free preventive health check-ups with optima restore
Free preventive health-check ups

Key Features

  • 100% Restored Benefit: Get 100% of your cover restored instantly after your first claim.
  • 2X Multiplier Benefit: Get up to 100% additional policy cover as no claim bonus.
  • Complete coverage 60 days prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs.
my:health Suraksha
no room rent restriction with my:health surakha plan
No room rent restriction
sum insured restoration with my:health suraksha
Sum insured rebound
pay premium in installments with my:health suraksha plan
Cashless claims approved within 20 minutes*~

Key Features

  • No Medical Test Upto 45 Years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
  • Free preventive health-checkups: We offer free health check-ups so that you are healthier and happier always
  • Cumulative Bonus: Don’t think that your health insurance plan is of no use if you do not make a claim. It rewards you with additional 10% to 25% sum Insured upto a max of 200% depending on the plan opted at the time of renewal.
my:health Medisure Super Top-up
higher cover at low premium with my: health medisure super top-up plan
Higher cover at low premium
compliments existing health insurance with my: health medisure super top-up plan
Compliments existing health insurance
no premium hike post 61 years with my: health medisure super top-up plan
No premium hike post 61 years

Key Features

  • Works on Aggregate Deductible: This health plan comes in action once your all round total claim amount reaches the aggregate deductible in a year, it’s not necessary for a single claim to meet the deductible unlike other top-up plans.
  • No health checkups upto Age 55 : It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
  • Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.

Network Hospitals
Across India

Find Your Nearest Cashless Hospitals

Find 10,000+ network hospitals across India
Jaslok Medical Centre


C-1/15A Yamuna Vihar, Pincode-110053

Roopali Medical
Centre Private Limited


C-1/15A Yamuna Vihar, Pincode-110053

Jaslok Medical Centre


C-1/15A Yamuna Vihar, Pincode-110053

So Much Coverage Offered by my:Optima Secure Health Insurance

hospitalization expenses covered by hdfc ergo

Hospitalisation (including COVID-19)

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.

pre & post hospitalisation covered

Pre and Post Hospitalisation

Instead of 30&90 days availed normally, get 60 & 180 days pre and post hospitalisation medical expenses covered.

daycare procedures covered

All Day Care Treatments

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.

free renewal health check-up

Preventive Health Check-Up at No Cost

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.

Road Ambulance

Emergency Air Ambulance

Optima secure plan is tailored to reimburse the cost of air ambulance transport upto ₹5 lacs too.

cashless home health care covered by hdfc ergo

Road Ambulance

Optima Secure plan covers road ambulance cost upto the sum insured.

free renewal health check-up

Daily Hospital Cash

Get daily cash of ₹800 per day up to a maximum of ₹4800 on hospitalisation, as out-of-pocket expenses under Optima Secure Plan.

Road Ambulance

E Opinion for 51 illnesses

Avail e-Opinion for 51 Critical Illnesses through network provider in India under Optima Secure plan.

cashless home health care covered by hdfc ergo

Home Healthcare

We will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.

organ donor expenses

Organ Donor Expenses

We cover medical expenses for harvesting a major organ from the donor’s body where insured is the recipient.

ayush benefits covered

Alternative Treatments

We cover treatment costs upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.

lifetime renewability

Lifelong Renewability

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.

adventure sport injuries

Adventure Sport Injuries

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.

self-inflicted injuries not covered

Breach of Law

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.

injuries in war is not covered


War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.

Participation in defence operations not covered

Excluded Providers

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)

Congenital external diseases, defects or anomalies,

Congenital external diseases, defects or anomalies,

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 of obesity or cosmetic surgery not covered

Treatment for Alcoholism & Drug Abuse

Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.

buy a health insurance plan
All Set to Buy A Health Insurance Plan?

  How to Make a Claim for your HDFC ERGO Health Insurance  

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.

Health Insurance Cashless Claims get approved within 60*~ minutes

Fill pre-auth form for cashless approval


Fill up the pre-auth form at the network hospital for cashless approval

approval status for health claim


Once hospital intimates us, we send you the status update

Hospitalization after approval


Hospitalisation can be done on the basis of pre-auth approval

medical claims settlement with the hospital

Claim settlement

At the time of discharge, we settle the claim directly with hospital

We settle reimbursement claims within 6~* hours



You need to pay the bills initially and preserve the original invoices

claim registration

Register a claim

Post hospital discharge send us all your invoices and treatment documents

claim verifcation


We verify your claim related invoices and treatment documents

claim approval

Claim Settlement

We send the approved claim amount to your bank account.

Get health insurance plan for your family
Willing to Get A Health Insurance Plan
for Your Family?

Save Tax with Family Health Insurance Policy

Tax Benefits on Single Premium Medical Insurance Plans

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.

Higher Tax Benefit on Senior Citizen Health Insurance Plans

Investing in family health insurance can help you avail of deduction of up to ₹25,000 in a financial year.

Deduction for a premium paid for parent’s health insurance

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.

Deduction on preventive health check-ups

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.

protect against coronavirus hospitalization expenses
Protect Your Family Against Coronavirus
Hospitalization Expenses

Am I eligible to buy a Family Health Insurance Plan?

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


Previous Medical Conditions / Pre-Existing Illnesses

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.

Benefits of Buying, the Best Health Insurance Plans for the Family

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.

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.

Explore our health insurance premium rates
Willing to explore our health insurance
premium rates?

Why Buy Family Health Insurance Online?

buy health insurance policy from anywhere, anytime


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.

secured payment mode

Secured Payment Modes

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.

instant quotes & policy issuance

Instant Quotes & Policy Issuance

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.

 get instant policy documents

Have the policy document handy

Eliminate the wait for the policy document. Get the policy document instantly in your mailbox as soon as you pay the first premium.

instant quotes & policy issuance

Absolute transparency

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.

Hear from Our happy customers

4.4/5 Stars

Our customers have rated us

Praveen Kumar

my:Health Suraksha

28 Oct 2020

I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.


my:Health Suraksha

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.

Shweta R

my:Health Suraksha

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.

Pramod MahadevTanawade

my:Health Suraksha

28 Sep 2020

Appreciated services provided by your executives.

Shailendra Kumar Rath

my:Health Suraksha

20 Oct 2020

Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service

Willing to Buy A medical insurance Plan?
Done Reading? Willing to Buy A Health Plan?

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Awards & Recognition


ICAI Awards 2015-16


SKOCH Order-of-Merit


Best Customer Experience
Award of the Year


ICAI Awards 2014-15


ICAI Awards 2015-16


SKOCH Order-of-Merit