HDFC ERGO Health Insurance for Senior Citizens

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      HDFC ERGO Health Insurance for Senior Citizens

      HDFC ERGO Health Insurance for Senior Citizens provides medical coverage for elderly people above 60 years. The Optima Senior plan by the HDFC ERGO General Insurance Company covers all the health needs of senior citizens throughout their lifetime without any loadings.

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      HDFC ERGO Health Insurance Plans for Senior Citizens

      Take a look at the HDFC ERGO health insurance plan that senior citizens can purchase in the market:

      Plan Name Sum Insured (Rs.) Co-Payment
      HDFC ERGO Optima Senior Plan 2 lakh, 3 lakh, 5 lakh 15% (Day care procedures)
      15% (Shared room or lower category room)
      30% (Single private room or higher category room)
      30% (Listed illnesses/surgeries)

      Eligibility Criteria for HDFC ERGO Health Insurance for Senior Citizens

      Check out the eligibility criteria to buy an HDFC ERGO health insurance plan for senior citizens:

      Categories Eligibility Criteria
      Minimum Entry Age 61 years
      Maximum Entry Age No age limit
      Family Members Covered Self, spouse
      Renewability Lifetime

      Key Benefits of HDFC ERGO Health Insurance for Senior Citizens

      Here are the key benefits of buying HDFC ERGO health insurance for senior citizens:

      • Coverage available on an individual sum insured basis
      • 5% no claim discount is available for every claim-free year
      • Tax deductions are available on the paid premium u/s 80D, Income Tax Act
      • Up to 10% long-term policy discount are available on opting for 2/3 years policy tenure
      • 5% family discount is available on adding your spouse to the policy

      Inclusions of HDFC ERGO Health Insurance for Senior Citizens

      The following medical expenses are included under HDFC ERGO health insurance for senior citizens:

      • In-patient Treatment
      • Pre-hospitalization Expenses 
      • Post-hospitalization Expenses
      • Day Care Procedures
      • Domiciliary Treatment
      • Organ Donor Cover
      • Emergency Ambulance Cover
      • E-Opinion

      Exclusions of HDFC ERGO Health Insurance for Senior Citizens

      HDFC ERGO health insurance for senior citizens excludes the following:

      • OPD treatment
      • Dental treatment
      • Non-medical expenses
      • Treatment for alcoholism or drug addiction
      • Cosmetic or plastic surgery
      • Treatments availed out of India
      • Obesity and weight control treatment
      • Intentional self-injury


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      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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