*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
The HDFC ERGO Health Insurance (Formerly known as Apollo Munich) Easy Health Insurance plan is one of the most popular policies in the country. Available for both, individuals and families seeking cover, it provides cover for treatment against accidents, illnesses and injuries that require in-patient hospitalisation. Additionally, it also provides an optional critical illness cover.
There are 3 main variants offered under this amazing HDFC ERGO Health Insurance (Formerly known as Apollo Munich) Health Insurance plan – Standard, Exclusive and Premium.
Let’s skim through some of the key features of this plan.
Broadly speaking, standard, exclusive and premium packages have a lot in common in terms of coverage. However the extents vary for both the individual and family plans.
The first formal point of difference between the three categories is, of course, the extent of coverage guaranteed by the sum assured. While the standard plan covers for up to maximum of 5 lakhs per person per policy year, the top tier exclusive and premium packages guarantee a sum assured of up to 50 lakhs per year. The optional critical insurance rider also varies in terms of sum insured with the standard plan guaranteeing a maximum of 1 lakh, while the exclusive and premium packages cover for a maximum of 10 lakhs. Health check-ups under the standard plan are limited to once every 4 claim-free years, but the exclusive plan offers one every 3 continuous policy years and the premium plan guarantees one at the end of every 2 continuous policy years.
The family plans under the 3 packages are quite similar in nature to the individual plans, with the exception that the sum assured per policy year is against the entire family and not for individual members of the family. All the other perks under these three packages remain the same for both individual and family plans.
Now that you know everything about HDFC ERGO Health Insurance (Formerly known as Apollo Munich) Easy Health Insurance Standard, Premium and Exclusive, it’s time to take your pick! But before you jump into action and select a plan, do well to calculate how much coverage you actually need. Calculating the amount of coverage required will make it easy for you to take your pick.
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