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.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*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

All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Health insurance articles

      Recent Articles
      Popular Articles
      10 Essential Things that Should be Included in your Health Insurance Policy

      12 Sep 2023

      The cost of healthcare has risen threefold in the last decade
      Read more
      Short-Term Health Insurance

      06 Sep 2023

      With technological advancements in India, the health insurance
      Read more
      Know Everything About Cashless Mediclaim Insurance

      23 Aug 2023

      Health emergencies come without a warning. Usually, people realize
      Read more
      Dengue, Malaria Cases Surge in Delhi: Know Why Health Insurance is a Must

      26 Jul 2023

      Delhi witnessed its first flood in 45 years due to incessant rains
      Read more
      List of Toll-Free Numbers of Health Insurance Companies in India

      06 Jul 2023

      Buying health insurance has become a necessity today. However
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Waiting Period in Health Insurance
      The waiting period in health insurance refers to the duration before which certain diseases will not be covered by
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.