HDFC ERGO Easy Health Insurance Plan

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      HDFC ERGO Easy Health Insurance Plan

      HDFC ERGO Easy Health Insurance is a family health plan that provides comprehensive medical coverage while promoting healthy living among people. It covers the cost of hospitalization, maternity, ambulance services, etc. and can reduce renewal premiums with the Stay Active benefit. The plan also comes with attractive benefits like recovery benefits, preventive health check-ups, etc.

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      HDFC ERGO Easy Health Insurance Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 1 lakh to Rs 50 lakh
      Policy Tenure 1 year, 2 years
      Plan Types Standard, Exclusive
      Incurred Claim Ratio (2021-22) 97.47%
      Pre-Policy Medical Check-ups May be required
      Pre-existing Disease Waiting Period 3 years
      Specific Disease Waiting Period 2 years
      Initial Waiting Period 30 days
      Discounts 7.5% long-term policy discount
      Up to 10% family discount

      Benefits of HDFC ERGO Easy Health Insurance Plan

      Here are the benefits of buying an HDFC ERGO Easy health insurance plan:

      1. Stay Active Benefit

      To promote a healthy lifestyle, the HDFC ERGO General Insurance Company provides a discount on the renewal premium of up to 8% to policyholders who meet their step count target.

      2. Preventive Health Check-ups

      Policyholders can avail the facilities of preventive health check-ups after a block of every three/four claim-free years, depending on the plan type.

      3. Cumulative Bonus

      A cumulative bonus of 10% will be granted to the policyholder for a maximum of 100% if no claims are raised in the previous policy tenure.

      4. Tax Benefits

      As per the Income Tax Act, Sec 80D, policyholders can earn tax deductions on the premium paid to buy or renew an HDFC ERGO Easy Health Insurance plan.

      HDFC ERGO Easy Health Insurance Plan Eligibility Criteria

      Take a look at the eligibility criteria to buy an HDFC ERGO Easy health insurance plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child –  91 days
      Maximum Entry Age Adult –  65 years
      Child –  18 years
      Coverage Type Individual/ family floater
      Renewability Lifetime

      Inclusions of HDFC ERGO Easy Health Insurance Plan

      The following medical expenses are included under the HDFC ERGO Easy Health Insurance plan:

      • In-patient Treatment – It pays for the medical costs incurred on hospitalization of more than 24 hours, such as room rent, surgical appliances, nursing fees, OT charges, etc.
      • Pre-hospitalization Expenses – It covers the cost of doctor consultations, investigations and medicines incurred up to 60 days before hospitalization.
      • Post-hospitalization Expenses – It pays for the medical expenses incurred on follow-up consultations and medicines up to 90 days after hospital discharge. 
      • Day Care Procedures – It covers the cost of medical treatments or surgical procedures that require less than 24 hours of hospitalization.
      • Domiciliary Treatment – It pays for the medical expenses incurred on treatment taken at home on the advice of a qualified doctor in case hospitalization is not possible.
      • Organ Donor Expenses – It covers the cost of harvesting the donated organ by the donor for the transplant surgery of the insured.
      • Ambulance Cover – It pays for the charges incurred on availing road ambulance services during a medical emergency.
      • AYUSH Benefit – It covers the medical expenses incurred on in-patient treatments taken through AYUSH or Ayurveda, Siddha, Unani and Homeopathy system of medicine.
      • Daily Cash for Choosing Shared Accommodation – It pays a daily cash amount to the policyholder if the insured gets admitted to a shared hospital room for more than 2 days.
      • Maternity Expenses – It covers the medical expenses incurred on delivering a baby, including pre-natal & post-natal expenses.
      • Recovery Benefit – It pays a lump sum amount to the policyholder if the insured is hospitalized consecutively for more than 10 days.
      • Newborn Baby Expenses – It covers the medical expenses incurred by the newborn baby within 90 days of birth.
      • Daily Cash for Accompanying an Insured Child – It pays a daily cash allowance to the policyholder for accompanying an insured child of up to 12 years hospitalized for more than 3 days.
      • Emergency Air Ambulance Cover – It covers the cost of availing air ambulance services through a helicopter or aeroplane during a medical emergency.

      Optional Covers:

      • Critical Illness Benefit – It pays a lump sum amount to the policyholder on the diagnosis of a listed critical illness subject to a survival period of 30 days. 

      Exclusions of HDFC ERGO Easy Health Insurance Plan

      The HDFC ERGO Easy Health Insurance plan excludes the following coverage:

      • OPD treatment
      • Dental treatment
      • Treatment for alcohol or drug abuse
      • Cosmetic surgery
      • Congenital external diseases
      • Cost of external aids and appliances
      • Intentional self-injury

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