HDFC ERGO Health Insurance

The HDFC ERGO Health Optima Restore Plan (formerly known as Apollo Munich Health Optima Restore Plan) is a unique health insurance policy that provides coverage on individual and family floater basis. The policyholder gets a 100% restoration of the basic sum insured on the first claim during the policy term. The sum assured is increased by 50% for every claim free year with No-claim-bonus.

Below are some of the features of this medical plan:

• Choice of treatment at any of the network hospitals across the country under cashless facility
• Expenses incurred before and after medication covered for 60 and 90 days, respectively
• Daycare procedures are covered that do not require 24 hours hospitalization
• Domiciliary treatment is covered where the treatment is undertaken at home
• Emergency ambulance charges up to Rs. 2000 are covered
• Expenses incurred for the treatment of the organ donor during transplantation are covered
• A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized
• Automatic restoration of the basic sum insured if the customers’ basic insured is exhausted during the course of the year
• There is a facility for E-opinion, which enables the insured to request for a second opinion from another medical practitioner and the insurer does provide the same.
• There is a Multiplier Benefit in which for every claim-free year, the customer receives a bonus of 50%, accumulating up to 100%.

• Insurance coverage is provided from the age of 5 to 65 years.
• Insurance coverage to children is offered right from the fourth month if any of the parents is already covered
• This HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) health Insurance plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law

The HDFC ERGO Easy Health Premium Plan (formerly known as Apollo Munich Easy Health Premium Plan) is a comprehensive health insurance policy that covers an individual and his family members including spouse, children, parents and in-laws. The plan covers the cost of hospitalization, maternity expenses, Ayush treatment expenses, with critical illness rider benefits.

Below are some of the features of this medical plan:

• Sum insured option provided up to Rs. 50 Lakhs
• Medical expenses in case of hospitalisation are covered
• Choice of treatment at any of the network hospitals across the country under cashless facility
• Expenses incurred before and after treatment at hospitals, covered for 60 and 90 days, respectively
• Daycare procedures are covered that do not require 24 hours hospitalization
• Domiciliary treatment is covered where the treatment is undertaken at home
• Emergency ambulance charges up to Rs. 2000 are covered
• Expenses incurred for the treatment of the organ donor during organ transplantation are covered
• A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized
• Expenses incurred for inpatient treatment under Unani, Ayurveda, Homeopathy, and Sidha are covered, as per AYUSH Benefit
• After four claim-free years, a free comprehensive health check up is provided
• There is an option of taking additional cover for critical illness. The sum assured for the critical illness ranges between 50 % and 100% of sum assured, which is subject to minimum 100,000 and a maximum of Rs. 10, 00,000.
• This plan covers maternity expenses for before and after childbirth procedures
• There is an option to cover the newborn baby from day one to 90 days
• If an insured child is hospitalized then a lump sum amount is paid if an adult accompanies the child during the hospitalization
• A Recovery Benefit of Rs. 10, 000 is provided if the hospitalization is for greater than 10 days

• Coverage is provided from the age of 5 to 65 years.
• Coverage to children is offered right from the fourth month if any of the parents is already covered
• This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law

• Lump sum payment for 37 critical illnesses
• Sum insured amount ranges from Rs. 1 Lakh to Rs. 50 Lakhs

• There is a facility for E-opinion, which enables the insured to request for a second opinion from another medical practitioner and the insurer does provide the same.

HDFC ERGO Optima Vital Health Insurance Plan Eligibility (formerly known as Apollo Munich Optima Vital Health Insurance Plan Eligibility):

• Coverage is provided from the age of 5 to 65 years.
• Coverage to children is offered right from the fourth month if any of the parents is already covered
• This HDFC ERGO Health Insurance Plan (formerly known as Apollo Munich Health Insurance Plan) has coverage of up to for the self, spouse, dependent children and dependent parents

The HDFC ERGO Optima Senior Health Insurance Plan (formerly known as Apollo Munich Optima Senior Health Insurance Plan) is a comprehensive health insurance policy that is designed for senior citizens who frequently require medical attention. The plan offers unique features like the Restore benefit under which the sum insured is automatically restored if it’s exhausted during the policy term. The sum insured is available in both individual and family floater basis.

• Network Hospitals expenses are covered where the hospitalisation is for more than 24 hours
• Pre and post hospitalisation expenses are included in coverage.
• Daycare procedures are covered that do not require 24 hours hospitalization
• Domiciliary treatment is covered where the treatment is undertaken at home
• Emergency ambulance charges up to Rs. 2000 are covered
• Expenses incurred for the treatment of the organ donor during transplantation are covered

• There is a facility for E-opinion, which enables the insured to request for a second opinion from another medical practitioner and the insurer does provide the same.
• Cumulative bonus and family discount of 5%

• Coverage is provided from the age of 61 years onwards
• The self and spouse may be covered under the plan on an individual sum insured basis.

The HDFC ERGO Optima Cash Health Insurance Plan (formerly known as Apollo Munich Optima Cash Health Insurance Plan) is a top up health insurance policy that offers daily cash benefit cover in case of hospitalization due to an accident or illness. The plan also pays for expenses incurred on day care procedures, parent's hospitalization, convalescence benefit, etc. This medical plan provides daily cash amount for every 24 hours of hospitalization. Moreover, it covers joint accidental hospitalization expenses for two or more insured members.

• Sickness Hospital cash is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to sickness.
• Sickness ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours due to sickness.
• Accidental Hospital cash is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to an accident.
• Accidental ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to an accident.
• Daycare procedure cash is provided if the insured undergoes any of the 10 identified daycare procedures that do not require 24 hours hospitalisation. The amount is 50% of the daily cash amount.
• Twice the daily cash amount is provided for each continuous and completed 24 hours where two or more people are concurrently hospitalized due to an accident.
• Convalescence cash is provided in the form of a lump sum amount if the insured person is hospitalized for more than 7 continuous days.
• Under the platinum plan, a female who is insured will receive twice the daily sickness cash amount for maternity
• If a child below 12, who is insured is hospitalized for more than 72 hours a daily cash amount for the parents’ accommodation will be provided.

• Coverage is provided from the age of 5 to 65 year.
• Coverage to children is offered right from the fourth month if any of the parents is already covered
• This HDFC ERGO Health Insurance (formally known as Apollo Munich Health Insurance) Policy has coverage of up to for the self, spouse, and dependent children

The HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance Plan) is a cost-effective top-up health insurance policy that offers coverage to self, spouse and two dependent children. The coverage includes hospitalization expenses, maternity expenses, daycare procedures, and organ donor expenses. This plan also offers coverage to an individual already insured under a group medical plan, which is further convertible into a normal health policy upon retirement. Additionally, there are varied sum insured and deductible options.

Below are some of the features of this medical insurance plan:

• Medical expenses in case of hospitalization are covered
• Choice of hospitalization at any of the network hospitals across the country under cashless facility
• Expenses incurred before and after hospitalization covered for 60 and 90 days, respectively
• Daycare procedures are covered that do not require 24 hours hospitalization
• Emergency ambulance charges up to Rs. 2000 are covered
• Expenses incurred for the treatment of the organ donor during organ transplantation are covered
• There is a waiver of Deductible Benefit in which enables the customer to convert this plan to a fully-fledged Indemnity Health Plan with no medicals or underwriting required, only at Apollo Munich health insurance renewal between 55 to 60 years. This is on the condition that the insured person had enrolled under the policy before the age of 50 years and has renewed the plan continuously without a break

• Coverage is provided from the age of 5 to 65 years.
• Coverage to children is offered right from the fourth month if any of the parents is already covered
• This plan has coverage of up to for the self, spouse, and two dependent children

• Coverage is provided from the age of three months to 65 years.
• Coverage to children is offered right from the fourth month if any of the parents is already covered
• This plan has coverage of up to for the self, spouse, dependent children, and dependent parents