HDFC ERGO Health Insurance for Senior Citizens

(3 Reviews)
Insurer Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

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

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      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


      Policybazaar exclusive benefits
      • 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.

      Health insurance articles

      Recent Articles
      Popular Articles
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      10 Reasons Why Your Health Insurance Claim Can Get Rejected

      01 Dec 2023

      Health insurance plans add a layer of invisible protection against
      Read more
      Knee Replacement Surgery Cost in India

      30 Nov 2023

      Knee pain has become a very common ailment in India, with over 15
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.