HDFC ERGO Health Insurance for Family: Buy Plan Online

HDFC ERGO Health Insurance for Family

HDFC ERGO Health Insurance for family provides comprehensive medical coverage to all members of a family under a single coverage amount. This family floater health insurance plan offered by the HDFC ERGO General Insurance Company covers the health needs of the entire family regardless of their age.

HDFC ERGO Health Insurance Plans for Family

Check out the list of HDFC ERGO health insurance plans for family available in the market:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
HDFC ERGO Optima Secure Plan	5 lakh to 2 crore	3 years
HDFC ERGO my:health Suraksha Plan	1 lakh to 5 crore	4 years
HDFC ERGO Optima Restore Plan	3 lakh to 1 crore	3 years
HDFC ERGO Easy Health Insurance Plan	1 lakh to 50 lakh	3 years
HDFC ERGO Health Wallet Plan	3 lakh to 50 lakh	3 years

Eligibility Criteria for HDFC ERGO Health Insurance for Family

Here are the eligibility criteria to buy HDFC ERGO health insurance for family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	91 days
Maximum Entry Age	65 years No age limit (For my:health Suraksha plan)	25 years
Family Members Covered	Self, spouse, dependent children, father, mother, father-in-law and mother-in-law
Renewability	Lifetime

Key Benefits of HDFC ERGO Health Insurance for Family

Take a look at the key benefits of buying HDFC ERGO health insurance for family:

Multiple sum insured options ranging from Rs 1 lakh to Rs 5 lakh are available
Stay Active benefit provides a renewal discount of up to 8% on completing the step count target
Preventive health check-ups and multiplier benefit are available
Automatic restore benefit is available once a year
my:health Active benefit offering fitness discount@renewal, health incentives and wellness services are available
Cumulative bonus is granted at every claim-free year
Tax deductions on paid premiums can be claimed under Section 80D of the Income Tax Act
Up to 50% discount available on opting for aggregate deductible under the Optima Secure plan
40% discount to NRIs under the Optima Secure plan
Up to 10% family discount is available on including family members in a single policy
Up to 10% discount on opting for 2/3 year policy tenure
Up to 10% loyalty discount for existing HDFC ERGO customers
5% discount is available on buying the policy online

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Inclusions of HDFC ERGO Health Insurance for Family

An HDFC ERGO health insurance policy for family covers the following:

Coverage Benefits	HDFC ERGO Optima Secure Plan	HDFC ERGO my:health Suraksha Plan	HDFC ERGO Optima Restore Plan	HDFC ERGO Easy Health Insurance Plan	HDFC ERGO Health Wallet Plan
In-patient Treatment	✓	✓	✓	✓	✓
Pre-hospitalization Expenses	✓	✓	✓	✓	✓
Post-hospitalization Expenses	✓	✓	✓	✓	✓
Day Care Procedures	✓	✓	✓	✓	✓
Domiciliary Treatment	✓	✓	✓	✓	✓
Organ Donor Cover	✓	✓	✓	✓	✓
Road Ambulance Cover	✓	✓	✓	✓	✓
AYUSH Benefit/ Alternative Treatment	✓	✓	X	✓	✓
Home Healthcare	✓	✓	X	✓	X
Recovery Benefit	X	X	X	✓	✓
Daily Cash for Choosing Shared Accommodation	X	X	✓	✓	X
Emergency Air Ambulance Cover	X	X	✓	✓	X
Daily Cash for Accompanying an Insured Child	X	X	X	✓	X
Maternity Expenses	X	X	X	✓ (under Exclusive plan)	X
Newborn Baby Expenses	X	X	X	✓	X
Worldwide Emergency Care	X	X	X	X	✓
Reserve benefit	X	X	X	X	✓
E-Opinion for Critical Illness	X	X	✓	X	X
Optional Covers
Aggregate Deductible	✓	X	X	X	✓
Air Ambulance Cover	✓	✓	X	X	X
E-Opinion	✓	✓	X	X	X
Global Health Cover	✓	✓	X	X	X
Critical Illness Cover	X	X	X	✓	X
Preventive Health Check-up Booster	X	✓	X	X	X
Parent and Child Cover – Basic	X	✓	X	X	X
Parent and Child Cover – Booster	X	✓	X	X	X
Recovery Benefit	X	✓	X	X	X
Sum Insured Rebound	X	✓	X	X	X
Outpatient Dental Treatment	X	✓	X	X	X
External Medical Aids	X	✓	X	X	X
Major Illness Hospitalization Expenses	X	✓	X	X	X
Non-Medical Expenses Cover	X	✓	X	X	X
Waiting Period Modification Option	X	✓	X	X	X
Extended Cumulative Bonus	X	✓	X	X	X
Rom Rent Modification Option	X	✓	X	X	X
Co-Payment	X	✓	X	X	X
Major Illness Benefit	X	✓	X	X	X
Hospital Cash Cover	X	✓	X	X	X
Daily Cash for Choosing Shared Room	✓	X	X	X	X
Protect Benefit	✓	X	X	X	X
Plus Benefit	✓	X	X	X	X
Secure Benefit	✓	X	X	X	X
Automatic Restore Benefit	✓	X	X	X	X
Waiver of Aggregate Deductible	✓	X	X	X	X
Global Health Cover (Emergency Treatments Only	✓	X	X	X	X
Overseas Travel Secure	✓	X	X	X	X
Unlimited Restore Benefit	X	X	✓	X	X

Exclusions of HDFC ERGO Health Insurance for Family

The following medical expenses are excluded from HDFC ERGO health insurance for family:

Dental treatment
Cosmetic surgery
Treatment for alcohol or drug addiction
Non-medical expenses
Intentional self-injury
Injuries due to hazardous and adventure sports
Congenital external diseases

FAQs

Q1. What are the waiting periods for HDFC ERGO health insurance for family?
Ans: The following waiting periods apply to HDFC ERGO health insurance for family:
- Initial waiting period – 30 days
- Specific disease waiting period – 2 years
- Pre-existing disease waiting period – 3/4 years
- Parent and Child Cover – Basic Waiting Period – 4 years
- Parent and Child Cover – Booster Waiting Period – 4 years
- Major Illness benefit – 90 days
Q2. How do I check the premium of my HDFC ERGO health insurance for family?

Ans: You can check your HDFC ERGO family floater premium chart to know the premium of the plan you wish to buy.
Q3. Does my HDFC ERGO health insurance for family come with a co-payment?

Ans: No. The HDFC ERGO health insurance plans for family do not come with any co-payment unless you opt for it.