List of Diseases Covered by HDFC ERGO Health Insurance

In the world we live today, diseases are spreading like wildfire making health insurance an absolute necessity. Health insurance plans can help you stay financially afloat if you are hospitalized for any disease or require long-term treatment. If you are wondering which diseases your HDFC ERGO health insurance plan will cover you for, read on.

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      What are the Various HDFC ERGO Health Insurance Plans?

      HDFC ERGO General Insurance Company offers a wide range of health insurance plans designed to cover the medical needs of different individuals. These plans provide comprehensive coverage against emergency and planned medical expenses, including the cost of hospitalization, ambulance services, OPD treatments, AYUSH treatment, etc. Moreover, they are available with a sum insured amount ranging from Rs 50,000 to Rs 5 crore.

      The insurance company offers customized health insurance plans for individuals, families, women, senior citizens and people with disabilities. Moreover, you can also buy customized HDFC ERGO health insurance plans for diseases like cancer, diabetes, dengue, etc. Take a look at the various health insurance plans offered by HDFC ERGO General Insurance Company:

      Which Diseases are Covered by HDFC ERGO Health Insurance Plans?

      Check out the list of diseases covered by HDFC ERGO health insurance plans:

      1. Diabetes – Diabetes is a medical condition in which the blood sugar levels of the body are too high. If left untreated, diabetes can lead to serious health problems and, thus, involves long-term treatment and medication. However, if you have an HDFC ERGO Energy health insurance policy, you do not have to worry about the treatment expenses, as the insurance company will pay for them.
      2. High Blood Pressure (BP) – High blood pressure or hypertension refers to the condition where the pressure in your blood artery walls is too high. High BP increases the chances of a heart attack or stroke and requires treatment. But the treatment will not be a financial burden for you if you have an HDFC ERGO Energy health insurance policy. 
      3. Cancer – Cancer is a fatal disease in which the cells of your body grow uncontrollably, spreading to other parts and destroying normal body tissues. The treatment for cancer is expensive and goes on for years. However, your insurance company will pay for your cancer treatment if you have an HDFC ERGO iCan Insurance policy.
      4. Heart Diseases – Any abnormality in the functioning of your heart can lead to life-threatening heart diseases. The treatment for heart disease involves long-term medication, even surgery, and thus, is expensive. However, the HDFC ERGO General Insurance Company will pay for your medical expenses if you have an HDFC ERGO Optima Vital or my:health Critical Suraksha Plus plan. 
      5. Critical Illnesses – Critical illnesses are potentially fatal diseases that develop due to poor lifestyle habits or are hereditary. Such diseases are expensive to treat as the treatment may continue for a long period of time. But if you have an HDFC ERGO Critical Illness, my:health Critical Suraksha Plus, Optima Vital or my:credit Comprehensive Suraksha plan, then your treatment expenses will be covered by the insurer.
      6. COVID-19 – COVID-19 or the coronavirus disease is a highly infectious disease caused by a strain of the SARS-CoV-2 virus. The disease can lead to life-threatening conditions in severe conditions and may require hospitalization. Fortunately, HDFC ERGO health insurance plans cover the cost of hospitalization resulting from COVID-19.
      7. Dengue – Dengue is a vector-borne disease caused by getting infected with the dengue virus. The disease can lead to low platelet levels in the blood and may require hospitalization. However, you do not have to worry about hospitalization expenses as the insurer will pay for them if you have the HDFC ERGO Dengue Care plan.
      8. Cataract – Cataract is an eye disease that clouds the lens of the eye and can lead to partial blindness. Cataracts are common among older people and require surgery. Luckily, HDFC ERGO health insurance plans cover the cost of cataract surgery, and so the insurance company will pay the surgery expenses.
      9. Arthritis – Arthritis is a medical condition in which the joints of the body are swollen. The treatment of arthritis may go on for a long time and require joint replacement surgery in severe cases. However, if you have an HDFC ERGO health insurance policy, then surgery costs will be paid by the insurer.

      How to Buy an HDFC ERGO Health Insurance Plan Online?

      Here are the steps to buy an HDFC ERGO health insurance plan online:

      • Go to and click on ‘Health Insurance
      • Choose your gender and people to be insured
      • Enter the age of the people to be insured and the city where they live
      • Provide your full name and mobile number
      • Choose a relevant option to provide your medical history details
      • Select an HDFC ERGO health insurance plan you want to buy and pay its premium

      The HDFC ERGO General Insurance Company will issue your policy upon receiving the payment.

      In a Nutshell

      HDFC ERGO health insurance plans provide coverage for a variety of diseases, right from diabetes to dengue. Since the insurance company processes cashless claims within 2 hours, you do not have to worry about paying your medical bills. However, remember to compare different health insurance plans when buying a policy to suit your budget and health needs.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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