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HDFC ERGO Easy Health Insurance

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HDFC ERGO Health Insurance
Easy Health Policy
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

About HDFC ERGO Easy Health Insurance

Easy Health Policy is an indemnity-based medical insurance plan that covers you and your family in case of an illness, sickness, injury, or disease. The policy comes in three variants namely Standard, Exclusive, and Premium, and can be purchased either on individual sum insured or family sum insured basis. The sum insured options differ with different variants, ranging between Rs. 1 Lakh and Rs. 50 Lakh. You can choose from them as per your budget. Higher the sum insured, higher premium for the policy would be. To calculate the premium for this policy, you can use InsuranceDekho’s health insurance premium calculator and get an estimate of the premium you will be required to pay if covered under it.

Easy Health Policy comes with uncomplicated benefits that keep you protected financially in case of all major illnesses. It covers you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, expenses related to daycare procedures, domiciliary treatment, organ donor expenses, road ambulance expenses, treatments taken under AYUSH systems of medicines, etc. The policy comes at an affordable premium. However, it is subject to change at the time of renewal, due to change in your age, location, or changes applicable in the tax rate.

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
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Father
Mother

Select the age of all members

  • You

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Choose required Coverage for yourself?

5 Lac
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25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre-hospitalisation and post-hospitalisation expenses for up to 60 days and 90 days respectively
  • Daycare procedures that require less than 24 hours of hospitalisation
  • Expenses related to daycare procedures
  • Domiciliary hospitalisation expenses
  • Road ambulance expenses
  • Organ donor expenses

What's Not Included

  • Congenital external diseases, cosmetic surgery
  • Abuse of intoxicant or hallucinogenic substances like alcohol/drugs
  • Hospitalisation due to war , chemical or biological weapon and radiation of any kind
  • Pregnancy, dental treatment, external aids and appliances
  • Items of personal comfort and convenienc
  • Dietary supplements that can be purchased without prescription

9552 HDFC ERGO Cashless Network Hospitals in India

Choose HDFC ERGO Critical Illness Plan

Add-ons to Enhance Benefits

  • Critical illness

    Critical illness add-on covers you for the listed critical illnesses including permanent paralysis of limbs, stroke, open chest CABG, cancer of specific severity, kidney failure, multiple sclerosis with persisting symptoms, etc. you can opt for this add-on cover as per your need, by paying an extra premium. The sum insured for critical illness can either be 50% or 100% of the basic sum insured, subject to at least Rs. 1 Lakh and maximum Rs. 10 Lakh.

Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Easy Health Policy Health Insurance Plan

  • What are the sum insured options available under Easy Health Policy if purchased on individual basis and family floater basis?

    If purchased on an individual basis, you can choose from sum insured options of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 8 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, and Rs. 50 Lakh. whereas if purchased on a family floater basis, you can choose from sum insured options of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, and Rs. 50 Lakh. 

  • Can I avail tax benefits on the premium paid for Easy Health Policy offered by HDFC Ergo General Insurance?

    Yes. You can avail tax benefits on the premium paid under Section 80D of the Income Tax Act, 1961, on the premium paid for Easy Health Policy. 

  • What are the terms available for Easy Health Policy?

    Easy Health Policy can be purchased for 1 year or 2 years depending on your budget and requirements. 

     

  • Who all can be covered under Easy Health Policy?

    Apart from self, you can include your legally wedded spouse, dependent children, dependent parents, parents-in-law, grandparents, and grandchildren under Easy Health Policy.  

  • How many members can be included under Easy Health Policy, if purchased on a family floater basis?

    If purchased on a family floater basis, you can include a maximum of 6 members under the policy. A maximum of 2 adults and maximum of 5 children can be included in a single policy, of which 2 adults can be a combination of self and spouse, and either set of parents/grandparents/parents-in-law. 

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