Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹315/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹315/month*
Get ₹5 Lac Health Insurance starts @ ₹315/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

6 Reasons to Buy Health Insurance from HDFC ERGO General Health Insurance

Health emergencies come announced. It doesn’t consider if you are financially capable to pay your medical bills or have access to quality medical facilities before arriving. This makes it important for everyone to stay prepared for any unforeseen medical emergencies that may threaten to exhaust their savings. In some cases, the medical conditions continue to exist and require medical attention even though you have no savings left. During such times, you may have to compromise with your medical treatment unless you have a health insurance policy.

Health insurance is a contractual document that ensures financial aid to the policyholder in case the insured faces a medical emergency. The financial support is offered by a health insurance company that has entered the contract with the policyholder. It not only covers the cost of medical expenses incurred by the policyholder but also his/ her family, depending on the type of policy. Thus, a health insurance policy can help you get quality medical treatment while saving lots of money and preventing you from going bankrupt.

In India, health insurance is offered by several insurance companies. One of the most popular health providers in the country is HDFC ERGO General Insurance Company Limited. It offers a variety of health plans under HDFC ERGO General Health Insurance to cater to different medical needs of the people. For instance, it offers Optima Restore plan for individuals and families, Energy Health plan for diabetic and hypertension patients, iCan Health Insurance for cancer patients and Women Suraksha plan to cover women-specific medical procedures & diseases.

6 Reasons Why You Should Health Insurance From HDFC ERGO General Health Insurance

1. Lifestyle Disease Coverage

In recent years, there has been a substantial rise in lifestyle diseases. For the unversed, lifestyle disease are the kind of diseases that develop due to poor lifestyle habits among people. Obesity, lower back problems, asthma, etc. are some of the widespread lifestyle diseases in our country. Such diseases arise due to unhealthy eating habits, low physical activities, sedentary lifestyle, addiction to gadgets, such as a laptop or mobile phones, etc. Stress and pollution are also major reasons contributing to lifestyle diseases.

The treatment of lifestyle diseases are usually long-term and therefore, can get expensive over a period of time. HDFC ERGO General health insurance provides coverage for lifestyle diseases under its health plans and prevents you from exhausting your savings.

2. Combat Medical Inflation

Medical inflation is a reality that the whole country is battling. Healthcare facilities have become extremely expensive and are showing no signs of stopping. What you may have to pay for getting treated for a disease like dengue today is way more than what you may have paid about 10 years back. But no matter how expensive healthcare facilities get, you will still have to access it to ensure your and your family’s well-being. In this inflation, if you try to pay for medical treatments on your own, you may end up suffering from a financial loss. HDFC ERGO General health insurance plans act as your saviour and combat medical inflation on your behalf so that you get adequate medical treatment without any compromises.

3. Obtain Quality Medical Treatment

Medical facilities are not uniform throughout the country. Not every hospital provides the best-in-class healthcare facilities and the ones that do are really expensive. For instance, a single visit to a specialist in a leading Delhi hospital may cost you at least Rs 1000 to Rs 2500. You can avoid visiting expensive doctors in case of simple illness but for the treatment of a major illness, you will need the best medical facilities available. Arranging money for the quality medical treatment can be difficult to manage for people who belong to modest backgrounds. However, HDFC ERGO General health insurance plans solve this problem by providing you with financial assistance so that you avail quality medical treatment without worrying about the money.

4. Employee Health Insurance May Be Insufficient

A lot of people these days are covered under the group health insurance provided by their employers. This type of health policies cover you and your family for unforeseen medical expenses but the premiums are paid by your employer. Having a group health insurance policy is great but is it sufficient to cover all the health needs of your whole family?

Most group health policies cover the employees for basic medical facilities and the coverage amount may be insufficient to cover long-term illnesses. If you continue to rely only on your group health policy, you may have to pay from your own pockets too. Thus, it is crucial to buy health insurance that provides you with complete coverage against medical emergencies in addition to your group health policy.

5. Save on Tax

One of the advantages of buying an HDFC ERGO General health insurance policy is the tax benefit. If you buy a health insurance policy, you can claim your paid premiums as tax returns under section 80D of the Income Tax Act. As per the Act, a person can save up to Rs 25,000 towards health insurance premium while the limit is up to Rs 50,000 for senior citizens. Thus, you can save tax for up to Rs 75,000 through your health insurance premiums.

6. Protect Your Savings

Savings are not built overnight. For years, you save your hard-money with a goal in mind. It can be heartbreaking to see your savings getting evaporated in the treatment of a medical illness or condition. But with HDFC ERGO General health insurance, your savings will remain intact as your medical bills will be covered by your health provider.

Summing It Up

Health insurance is a necessity for all. One must compare different policies and buy the best health policy as per their needs. Given the reasons mentioned above, HDFC ERGO General health insurance is no doubt a good option to consider while buying health policy.

Written By: PolicyBazaar - Updated: 04 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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