HDFC Ergo
Policy overview
from 5 Insurance plans
Features
What's Included
No room capping
No limit on room rent charges, allowing you to choose any room category
Day care treatments
Covers medical procedures and surgeries that don't require 24-hour hospitalization such as cataract surgery, chemotherapy, dialysis, etc.
Consumables
Covers non-medical expenses such as gloves, masks, food charges and other consumable charges incurred during hospitalisation
Pre & post-hospitalisation expenses
Covers expenses such as medical tests, medicines, consultation fees incurred 60 days before and upto 180 days after hospitalisation
Free health check-up
Covers annual preventive health check-up from 2nd year onwards
Automatic restoration
Get 100% restoration of the base insured in case of partial or full claim in a policy year
AYUSH treatment
Covers in-patient treatment costs for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Road ambulance
Covers road ambulance charges upto the cover amount
AYUSH treatment
Covers in-patient treatment costs for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Road ambulance
Covers road ambulance charges upto the cover amount
Emergency air ambulance
Covers air ambulance costs upto ₹ 5 lakhs
Organ donor expenses
Covers medical expenses for harvesting a major organ from the donor’s body
Home healthcare
Covers medical expenses on cashless basis for home hospitalisation, if advised by the Doctor
Lifelong renewability
You can renew your health insurance cover for lifetime, irrespective of age or health conditions.
Waiting Periods
Claim process
STEP 1
- 48hrs before a planned hospitalisation
- Within 24hrs of emergency
STEP 2
STEP 3
You'll be notified via email or SMS
STEP 4
About
HDFC Ergo, established in 2002, is a collaboration between HDFC Ltd. and ERGO International AG, part of Munich Re Group. Boasting a robust network of 120+ offices across the country, it serves over a million policyholders annually. HDFC Ergo offers a comprehensive range of products including health, motor, and travel insurance, along with innovative solutions like cyber security and home insurance, ensuring protection against a spectrum of risks.
Brochure
Download the full policy brochure
FAQs
What are waiting periods in HDFC Ergo Optima Secure plan?
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Initial Waiting Period (30 Days):
There is a 30-day waiting period from the start date of the policy during which claims for illnesses are not covered. However, this does not apply to accidental injuries, which are covered from day one. -
Specific Disease Waiting Period:
Certain specified diseases and treatments have a waiting period of 24 months. These conditions are listed in the policy document and will not be covered until this period is completed. -
Pre-existing Disease Waiting Period:
Pre-existing diseases are covered after a waiting period of 36 months, depending on the terms specified in your policy. This applies to medical conditions declared at the time of purchase.
Which hospital room categories can I select under the HDFC Ergo Optima Secure plan?
There is no limit on room rent charges under the HDFC Ergo Optima Secure plan, allowing you to select any room category as per your preference.
