*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
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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.
|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
Here are the benefits of buying an HDFC ERGO Easy health insurance plan:
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.
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.
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.
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.
Take a look at the eligibility criteria to buy an HDFC ERGO Easy health insurance plan:
|Minimum Entry Age||Adult – 18 years
Child – 91 days
|Maximum Entry Age||Adult – 65 years
Child – 18 years
|Coverage Type||Individual/ family floater|
The following medical expenses are included under the HDFC ERGO Easy Health Insurance plan:
The HDFC ERGO Easy Health Insurance plan excludes the following coverage:
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