HDFC ERGO Health Insurance for Family

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*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      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.

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      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
      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

      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

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