HDFC ERGO Health Insurance Plans

HDFC Ergo health insurance plans provide coverage to the policyholder in case they are diagnosed with any kind of health problem. With a claim settlement ratio of 100%, HDFC Ergo is efficient in providing quick claim settlement. HDFC Ergo also provides several other benefits like renewal discounts, no claim bonus, and more so that policyholders can buy health insurance plans at very affordable rates. Some of the best health insurance plans that HDFC Ergo offers are detailed in the section below.

HDFC Ergo Health Insurance Plans

The two popular HDFC Ergo medical insurance offers are as follows:

• HDFC Ergo Optima Secure

The HDFC Ergo Optima Secure is one of India's top-selling health insurance plans, which can be bought as an individual and family floater plan. On buying the HDFC Ergo health insurance plan, policyholders can choose a sum insured ranging between Rs. 5 lakhs to Rs. 2 crores and a policy term of 1, 2, or 3 years. Moreover, the best part about buying this plan is that it offers different types of discounts to save on health insurance premiums. The different types of discounts available include online discounts, family discounts, long-term discounts, and loyalty discounts.

The coverage offered under this plan includes pre and post hospitalisation, all-day care treatments, preventive health check-ups, emergency air ambulance, road ambulance, daily hospital cash, disposable cover, procedure expenses, and a lot more. The HDFC Ergo Optima Secure plan has no cappings such as room-rent cappings, disease-based capping, or co-payment which makes it a highly preferred option.

Key Features:

• HDFC Ergo Optima Restore

Key Features:

Another health insurance plan that you can consider buying with HDFC Ergo is the HDFC Ergo Optima Restore. This plan can also be bought as an individual health plan and the sum insured option ranges between Rs. 3 lakhs to Rs. 50 lakhs. It is also a type of HDFC Ergo family plan that provides coverage for all family members under one plan. The HDFC Ergo Optima Restore restores your sum insured by 100% after you have raised your first health insurance claim. Moreover, it also offers complimentary health check-ups, daily hospital cash, organ donor expenses, modern treatment, day-care procedures, and a lot more. The HDFC Ergo Optima Restore plan also offers family discounts so that you can further save on health insurance premiums.

Why Should You Buy HDFC Ergo Health Insurance Plans?

Listed below are the reasons why you should choose to buy health insurance plans with HDFC Ergo:

• Network Hospitals: HDFC Ergo has tie-ups with over 12,000 network hospitals. At these network hospitals, policyholders can enjoy cashless treatment and get quality treatment without worrying about medical expenses. The higher number of network hospitals makes it easier for HDFC Ergo policyholders to locate a nearby network hospital.

• Claim Settlement Ratio: HDFC Ergo health insurance has a claim settlement ratio of 100%. The claim settlement ratio is indicative of the company’s efficiency in settling claims. Moreover, HDFC Ergo has a dedicated claim support team to help policyholders with claim settlements.

• Tax Savings: On buying HDFC Ergo health insurance plans, policyholders can also save on taxes. As per section 80D of the Income Tax Act, HDFC Ergo health insurance plans are eligible for tax savings.

• Coverage: The health insurance plans that HDFC Ergo offers have extensive coverage. The coverage offered under these plans includes pre and post hospitalisation, day care treatments, home treatments, AYUSH treatment, organ donor expenses, and a lot more.

How to Buy HDFC Ergo Health Insurance with InsuranceDekho?

Listed below are the steps you need to follow to buy HDFC Ergo health insurance plans with InsuranceDekho:

• Go to the health insurance option on InsuranceDekho website
• Click on health insurance companies icon and select HDFC Ergo Health insurance
• Select a desired HDFC Ergo health insurance plans
• Upload all the necessary documents to complete the KYC process
• Make an online premium payment once the KYC process is completed
• You will get the policy document at your registered e-mail address