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.

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

FAQs

Q1. What is the Easy Health policy?

Ans: Easy Health is an HDFC ERGO health insurance policy that covers individuals and families against a wide range of medical expenses. The plan promotes healthy living with the Stay Active benefit, which offers a discount on achieving the step count target.
Q2. Does the HDFC ERGO Easy health policy come with any sub-limits?

Ans: No. The HDFC ERGO Easy health policy does not come with any sub-limits and covers hospitalization expenses up to the sum insured limit.
Q3. How many critical illnesses are covered under the HDFC ERGO Easy health policy?

Ans: The HDFC ERGO Easy Health policy covers 8 critical illnesses under the critical illnesses optional benefit. These include cancer, first heart attack, stroke, open chest CABG, organ/bone marrow transplant, kidney failure, permanent paralysis of limbs and multiple sclerosis.
Q4. Can I pay the HDFC ERGO Easy health insurance premium in instalments?

Ans: Yes. You can pay the premium of your HDFC ERGO Easy health insurance policy in monthly, quarterly, and half-yearly instalments.