HDFC ERGO Health Insurance for Family

HDFC Ergo my: health Suraksha Silver health insurance plan is designed to offer coverage on a family floater basis. The policy promises to cover most healthcare expenses without any restrictions. In today’s times when the healthcare costs are rising, it makes sense to buy a health insurance policy with a higher sum insured option up to Rs 50 Lakh.


Network Hospitals




Policy Term

1/2/3 years

Claim Settlement Ratio ( 2018-19)


Key Features of my: health Suraksha Silver HDFC ERGO Health Insurance for Family

  • Sum Insured in this HDFC Ergo health insurance plan ranges between Rs 3 Lakh and Rs 50 Lakh
  • Coverage for home healthcare expenses is provided
  • The policy can cover the proposer, dependent children, grandmother, grandfather, brother, sister, brother-in-law, sister-in-law, niece, grandson,  nephew, granddaughter, and Dependent Parents/in laws
  • Dependent children can be covered up to the age of 25 years
  • There is no entry age restriction
  • No Sub-limits applicable on room rent
  • Family discount and long-term tenure discounts are provided
  • Integrated Wellness Services are also provided
  • Tax benefits under section 80/D

Inclusions of my: health Suraksha Silver HDFC ERGO Health Insurance for Family

  • In-patient hospitalization expenses to be covered. This includes room rent, nursing and boarding expenses, diagnostic procedures, Intensive care unit, doctor fees, operation theatre charges, anaesthesia, blood, oxygen, surgical appliances, artificial equipment’s’ inserted as part of the treatment
  • Specified day-care procedures are covered
  • 60 days pre-hospitalization expenses and 180 days post-hospitalization expenses are covered
  • Domiciliary treatment expenses to be covered if only treatment was not possible at the hospital. And due to unavailability of rooms, it is required to be taken at home on the advice of the healthcare provider.
  • Organ donor expenses are reimbursed up to the sum assured limit
  • Emergency ambulance cover is provided
  • AYUSH cover for inpatient hospitalization expenses incurred on Unani, Siddha, Ayurveda & Homeopathy treatment
  • Mental healthcare illness cover is provided

Exclusions of my: health Suraksha Silver HDFC ERGO Health Insurance for Family

  • A waiting period of 36 months for pre-existing diseases is applicable till then it cannot be claimed
  • Certain specified diseases to be covered after a waiting period of 1 year
  • Treatment required for AIDS/HIV and STDs
  • Self-inflicted injuries and suicidal attempts
  • Cosmetic or plastic surgeries
  • Overdose of alcohol or drugs
  • Obesity and related treatments are not covered
  • Hospitalization due to nuclear radiation, war like conditions, rebellion etc.
  • External aids unless required as part of the treatment
  • Pregnancy-related complication unless specifically covered in the plan
  • Dental care treatment

To know more about the policy coverage and insurance-related details you can speak to our customer care team before buying health insurance coverage.

Written By: PolicyBazaar - Updated: 06 October 2020
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