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HDFC ERGO Health Insurance for Individual

Health Suraksha is the perfect ‘individual’ plan by HDFC ERGO. Health Suraksha is a 360 Degree insurance policy that comes with the feature of lifelong renewability. It promises uninterrupted medical treatment as well as unparalleled benefits. The plan covers inpatient treatment, pre & post hospitalisation, emergency ambulance expenses, organ donor expenses, and multiple other costs. Also available on the family floater basis, it is an affordable, high-coverage health insurance plan that one can ask for.

Key Features of HDFC Health Insurance for Individual

  • Vast sum insured options - Rs. 3 Lakh up to Rs. 10 Lakh
  • 9,000+ network hospitals for cashless treatment
  • No sub-limits on room rent & disease
  • No restriction on entry age
  • Long-term discounts
  • Integrated wellness services
  • Optional benefit of adding critical illness cover
  • E-opinion in case of a critical illness (optional benefit), and others.

Scope of Coverage Under HDFC ERGO Private Health Insurance​​

  • 60 days pre-hospitalisation cover
  • 90 days post-hospitalisation cover
  • Coverage for 144 daycare procedures
  • Maternity and newborn baby cover (Optional)
  • Online policy premium payment
  • AYUSH treatment covered
  • Domiciliary treatment coverage
  • Optional cover for Outpatient Dental Treatment & Spectacles, Contact Lenses, Hearing Aids Expenses, and others.

Individual Health Insurance HDFC Eligibility

Anyone who is 91 days and above can purchase HDFC ERGO’s Health Suraksha plan. ​As far as a maximum entry age is concerned, there is none. Note that children below 5 years can be covered only if both the parents are covered under the Health Suraksha policy.

Exclusions Under HDFC Private Health Insurance Plans

  • Venereal or STDs
  • Treatment of obesity or cosmetic surgery
  • Self-inflicted injuries
  • Illness or injury caused due to war
  • Participation in defense operations, etc.

Want to uncover the Health Suraksha plan in detail? Kindly go through Policy Wordings carefully. If interested, you can also contact us at InsuranceDekho at 1800-1205-698.

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FAQ About HDFC ERGO Health Insurance

  • If I am already covered under my parent’s health insurance. Why should I buy a separate health cover?

    Buying a separate health cover will help you when you become ineligible to remain covered your parent’s policy. Your individual health insurance will cover your specific medical needs at that time. 

  • How much cover do I need if I apply for individual health insurance at HDFC Ergo?

    Due to rising medical costs, it is recommended for you to opt for Rs. 5 lakh sum insured and above. However, learn that the ideal cover depends on current age, medical history, and a few other factors. 

  • What is the best age to buy health insurance by HDFC Ergo?

    One should invest in individual health insurance in their early 20s to ensure optimum financial planning and gaining wider coverage at a lower premium. 

  • I am covered under employee health insurance. Do I still require an individual health insurance plan by HDFC Ergo?

    Yes. An individual health coverage will protect you from drawbacks of employee health insurance and let you have control over your medical needs and their fulfillment. 

  • Who should buy HDFC ERGO individual health insurance plan?

    HDFC ERGO individual health insurance policy is an ideal health insurance choice for an individual who wants to cover themselves only and gain maximum benefits out of the coverage purchased. So, if your family is already covered for health insurance, buying HDFC ERGO individual plan would be beneficial to you.

Network Hospital in Popular Cities

CityNo of Hospital
Bengaluru363
Karimnagar34
Thane117
Nagpur132
Noida45
Faridabad71
Kolkata100
View All