HDFC ERGO Day2Day Care Plan

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      HDFC ERGO Day2Day Care Plan

      HDFC ERGO Day2Day Care is an OPD health insurance plan that covers medical expenses incurred on an outpatient department (OPD) basis. It provides coverage for doctor consultations as well diagnostic tests from day 1. Moreover, the plan also comes with an annual health check-up benefit and a zero waiting period.

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      HDFC ERGO Day2Day Care Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 5000 to Rs 8000
      Policy Tenure 1 year, 2 years
      Plan Types Silver and Gold
      Incurred Claim Ratio (2021-22) 97.47%
      Pre-Policy Medical Check-ups Not required
      Pre-existing Diseases Waiting Period Not applicable
      Discount 7.5% long-term policy discount
      5% direct channel discount
      Up to 10% multi-product discount
      Co-payment 20% on non-network providers

      Benefits of HDFC ERGO Day2Day Care Plan

      Here are some of the benefits of buying an HDFC ERGO Day2Day Care plan:

      1. Coverage from Day 1

      This HDFC ERGO health insurance policy covers the cost of OPD consultations, diagnostic tests and medicines from day 1 without any waiting period.

      2. Unlimited Outpatient Consultation Limits

      Policyholders can avail outpatient consultations under the HDFC ERGO OPD cover with an unlimited coverage limit, provided they were taken at a network provider of the insurance company.

      3. Annual Health Check-ups

      The HDFC ERGO General Insurance Company offers preventive health check-up facilities every year that can be availed at one of its network providers. 

      4. Tax Benefits

      As per Income Tax Act, Sec 80D, policyholders can also avail tax benefits on the premium paid to buy an HDFC ERGO Day2Day Care policy.

      HDFC ERGO Day2Day Care Plan Eligibility Criteria

      Take a look at the eligibility criteria for buying an HDFC ERGO Day2Day Care plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 91 days
      Maximum Entry Age Adult – 65 years
      Child – 25 years
      Coverage Type Individual/ family floater
      No. of family Members Covered 5
      Types of Relationships Covered Self, spouse and children
      Renewability Lifelong

      Inclusions of HDFC ERGO Day2Day Care Plan

      The HDFC ERGO Day2Day Care plan includes the following coverage:

      • Outpatient Consultations – It covers the cost of doctor consultations taken on an outpatient department basis.
      • Pharmacy and Diagnostics – It pays for the medical expenses incurred on outpatient diagnostic tests, vaccination, physiotherapy and medicines.
      • AYUSH Cover – It covers the cost of outpatient consultations and medicines availed for the treatment taken through the AYUSH system of medicines.

      Exclusions of HDFC ERGO Day2Day Care Plan

      The following medical expenses are excluded under the HDFC ERGO Day2Day Care plan:

      • In-patient treatment
      • Day care procedures
      • Treatment for drug or alcohol addiction
      • Intentional self-injury or attempt to suicide
      • Treatment resulting from an injury due to the breach of law


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

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