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HDFC ERGO Health Insurance for Senior Citizen

Health Medisure Classic Insurance by HDFC ERGO is an affordable base plan that senior citizens can easily opt for. It offers holistic coverage against all types of health issues along with the option to waive room rent limits as well as double sum insured for critical illness. Available on individual and family floater basis, the plan helps save big premiums and offers lifelong renewability. It offers coverage for in-patient treatment, pre & post hospitalisation, and numerous other expenses.

Key Features of HDFC Health Insurance for Senior Citizens

  • No restrictions on entry age
  • Broad sum insured range from Rs. 1 Lakh to Rs. 5 Lakh
  • Cashless treatment available at 9,000+ network hospitals
  • Coverage for preexisting diseases after 36 months of continuous coverage
  • 10% co-payment for every claim for insured above the age of 80 years
  • A 5% discount on 2 years policy duration
  • 5% cumulative bonus for every claim-free year sum insured on every renewal
  • A family discount of 10% on the total premium payable for covering more than 2 family members, etc.

Scope of Coverage Under HDFC Health Insurance for Senior Citizens

  • Maternity expenses covered
  • Newborn baby cover
  • Coverage for dependent children (till the age of 23 years)
  • Daycare procedures covered
  • Hospitalisation due to accident
  • Ayurvedic treatment
  • Recovery Benefit (value-added cover)
  • ​Hospital cash (value-added cover), and others

HDFC Medical Insurance for Senior Citizens Plan Eligibility

The plan doesn’t feature an upper age limit.

Exclusions Under HDFC Senior Citizens Health Insurance

  • Adventure Sport injuries
  • Costs of donor screening and organ
  • Treatment of Obesity or Cosmetic Surgery
  • Stem cell implantation/surgery
  • Venereal or Sexually transmitted diseases, and others

If interested in gathering product details and exclusions, kindly refer to the policy wording. For more information, you can also contact us, InsuranceDekho at 1800-1205-698 and get your questions answered right away!

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FAQs

  • What is the eligibility criteria for purchasing HDFC Ergo senior citizen insurance?

    There is no age restriction for buying HDFC Ergo senior citizen health insurance. 

  • Can I buy HDFC Ergo's health insurance post-retirement for myself and/or my spouse?

    Yes, you can, even if you are living your retirement life. 

  • Is a senior citizen entitled to tax exemption in HDFC Ergo?

    Yes, senior citizen health insurance in HDFC Ergo allows the insured to avail up to Rs. 30,000 tax exemption under Section 80D of the Income Tax Act, 1961.

  • Which is the best HDFC Ergo General insurance health plan for people aged over 65 years?

    Ideal HDFC Ergo General Insurance Plan for people aged over 65 years is Suraksha Silver Smart Plan to cater to their healthcare needs at a nominal premium rate.

  • Does health insurance plans by HDFC Ergo come with any disease restriction for senior citizens?

    No, there are no disease-specific restrictions for senior citizens in health insurance plans by HDFC Ergo. 

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