HDFC Bank Health Insurance

HDFC Bank Health Insurance offers health coverage to its account holders through tie-ups with different insurance companies in India. These plans are specifically designed to match various healthcare needs and offer benefits, like affordable premiums, convenience, and more. Moreover, the mediclaim coverage stays active as long as the customer has an account with HDFC Bank and the bank continues its partnership with the insurance company.

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      HDFC Bank Health Insurance: Key Highlights

      Categories Specifications
      Pre-existing Diseases Coverage is available from day 1
      Validity of HDFC Bank health insurance plans 1. As long as the HDFC Bank has partnership with the insurance providers
      2. As long as the customer holds an HDFC Bank account
      Riders No riders are mostly offered
      Premium Payment Auto-debited from the customer's HDFC Bank account
      Tax Benefits Eligible u/s 80D of the Income Tax Act, 1961

      Disclaimer: PED waiting period may vary depending on the terms and conditions of the HDFC Bank health insurance policy.

      Benefits of HDFC Bank Health Insurance

      Here are the benefits offered by HDFC Bank health insurance for account holders:

      1. Cost-effective Premiums

        HDFC Bank health insurance plans are priced lower than many traditional mediclaim policies. The partnership between the bank and insurers helps bring down costs. Moreover, some promotional offers may make these plans even more budget-friendly.

      2. Automatic Premium Payment

        The health insurance premium is auto-debited from the linked HDFC Bank account, removing the need for manual payments. This keeps the policy active without any hassle.

      3. Pre-existing Disease Coverage from Day 1

        HDFC Bank health plans may cover pre-existing conditions from the first day of policy inception, unlike standard medical policies that may impose a waiting period. This ensures that existing health issues might be covered immediately after buying the health insurance plan.

      4. Health Plans for Everyone

        From young adults to senior citizens, HDFC Bank offers health insurance plans that fit all age groups. It even ensures comprehensive protection for families with HDFC Bank family health insurance plans.

      5. No Agent Involvement

        The HDFC Bank health policy can be purchased and managed directly through the bank without dealing with third-party agents. This makes the entire process more straightforward and clear.

      6. Convenience

        HDFC Bank combines banking and health insurance services under a single platform, offering enhanced convenience.

      List of Plans Offered by HDFC Bank Health Insurance

      Check out the multiple health insurance plans offered by HDFC Bank:

      HDFC Bank Health Insurance Plans Sum Insured Ideal For
      Aditya Birla Activ Health Enhanced Plan ₹2 lakh to ₹2 crore Individuals/Families
      Aditya Birla Activ Assure Diamond Plan ₹2 lakh to ₹2 crore Individuals/Families
      Aditya Birla Activ Secure Critical Illness Plan ₹1 lakh to ₹1 crore Critical Illnesses
      Aditya Birla Activ Secure Cancer Secure Plan ₹5 lakh to ₹1 crore Cancer Patients
      Aditya Birla Activ Secure Personal Accident Plan ₹1 lakh to ₹20 crore Accidents
      Bajaj Allianz Family Floater Health Guard Policy ₹1.5 lakh to ₹1 crore Families
      Bajaj Allianz Individual Health Guard Plan ₹1.5 lakh to ₹1 crore Individuals
      Bajaj Allianz Critical Illness Plan ₹1 lakh to ₹50 lakh Critical Illnesses
      Bajaj Allianz Global Personal Guard Policy ₹50,000 to ₹25 crore Death and Disabilities
      Bajaj Allianz Extra Care Plus Plan ₹3 lakh to ₹5 crore Super Top-up 
      HDFC ERGO Health Optima Restore Plan ₹3 lakh to ₹1 crore Individuals/Families
      HDFC ERGO Health Optima Vital Plan ₹1 lakh to ₹50 lakh Individuals/Families
      HDFC ERGO Health iCan Plan ₹5 lakh to ₹50 lakh Cancer Patients
      HDFC ERGO Critical Illness Platinum Plan ₹2.5 lakh to ₹10 lakh Critical Illnesses
      HDFC ERGO Individual Personal Accident Plan 3 ₹10 lakh to ₹1 crore Accidents
      HDFC ERGO Critical Illness Silver Plan ₹1 lakh to ₹50 lakh Critical Illnesses
      HDFC ERGO My Health Medisure Super Top Up Insurance Plan ₹3 lakh to ₹20 lakh Super Top-up 
      Niva Bupa Health Recharge Plan ₹2 lakh to ₹95 lakh Super Top-up 
      Niva Bupa Heartbeat Plan ₹5 lakh to ₹1 crore Families
      Niva Bupa Health Companion Plan ₹3 lakh to ₹1 crore Individuals/Families
      Niva Bupa GoActive Health Plan ₹4 lakh to ₹25 lakh Individuals/Families
      Niva Bupa Health Assurance Plan ₹3 lakh to ₹2 crore Critical Illnesses & Accidents
      Niva Bupa Arogya Sanjeevani Health Insurance Plan ₹50,000 to ₹10 lakh Low Premiums
      Niva Bupa Health Pulse Plan ₹3 lakh to ₹25 lakh Individuals
      Niva Bupa Health Premia Plan ₹5 lakh to ₹3 crore Individuals/Families
      See more plans

      Note: The above HDFC Bank health insurance plans is as of May 09, 2025.

      What is Covered by HDFC Bank Health Insurance?

      Listed below are the expenses covered under the HDFC Bank health insurance scheme:

      Note: The exact coverage may vary from one HDFC Bank health insurance plan to another.

      What is Not Covered by HDFC Bank Health Insurance?

      The HDFC Bank health insurance does not offer coverage for the following:

      • Intentional self-harm
      • Dietary supplements & substances
      • Cosmetic surgery
      • Treatment for alcoholism and drug addiction
      • Weight control treatments
      • Congenital external diseases
      • Treatment for injuries sustained while breaching the law
      • Treatment for injuries due to participation in adventure or hazardous sports
      • Unproven treatments

      Things to Keep in Mind While Buying an HDFC Bank Health Insurance Plan

      HDFC Bank health insurance account holders should keep the following things in mind while purchasing a HDFC Bank health plan:

      • Validity: The HDFC Bank health insurance scheme is valid only if the associated HDFC Bank account remains functional and the collaboration with the insurer continues.
      • Choice of Insurance Providers: The choice of health insurance companies is usually restricted under HDFC Bank mediclaim insurance, which can be a drawback for customers looking for more options.
      • Coverage Scope: Unlike regular health insurance plans that usually offer broad coverage, the HDFC Bank health policy may provide limited coverage. This makes it important for customers to check the policy inclusions and exclusions.
      • Riders: The HDFC Bank health insurance policy may not support the inclusion of health insurance riders, unlike many regular medical policies.

      HDFC Bank Health Insurance: FAQs

      • Q1. Does HDFC Bank provide insurance?

        Ans: Yes, the HDFC Bank provides health insurance products to its account holders.
      • Q2. Which insurance company ties up with HDFC Bank?

        Ans: Multiple health insurance companies, including Aditya Birla Health Insurance Company, Niva Bupa Health Insurance Company, Bajaj Allianz General Insurance Company, and HDFC ERGO General Insurance Company has a tie up with HDFC Bank.
      • Q3. What is the cost of HDFC Bank health insurance?

        Ans: To know the cost of HDFC Bank health insurance for account holders, you can go through the HDFC Bank health insurance premium chart. You can also use the health insurance premium calculator tool on the Policybazaar Insurance Brokers Private Limited website to know the estimated price.
      • Q4. Are there any HDFC Bank health insurance plans for family?

        Ans: Yes, the HDFC Bank has a wide range of family health insurance plans, such as HDFC ERGO Health Optima Restore plan, HDFC ERGO Health Optima Vital plan, Niva Bupa Heartbeat plan, Niva Bupa Health Pulse plan, etc.
      • Q5. Where can I find the HDFC Bank health insurance hospital list?

        Ans: You can find the HDFC Bank health insurance hospital list either on the official website of the bank or the insurer. You can even reach out to the HDFC Bank health insurance customer care team to enquire about the network hospital list.
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2027, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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