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HDFC ERGO Health Insurance for Kids

The significance of child health insurance is second to none and HDFC ERGO understands the same. It comes with the feature of covering your children at a lesser premium. However, both parents have to be covered under the policy to get their child below 5 years of age covered. HDFC ERGO Childrens Plans offers coverage for inpatient treatment costs, pre-hospitalisation, and post-hospitalisation expenses, etc. What’s best is that there are no sub-limits on the hospital room rents, diseases, doctor fees, and hospital charges.

Key Features of HDFC ERGO Health Insurance for Kids

  • Wide sum insured range - Rs. 3 Lakh to Rs. 10 Lakh (family floater basis)
  • Cashless treatment is available at 9000+ network hospitals
  • Coverage of newborn baby medical expenses within 90 days of birth
  • No restriction on entry age
  • Lifelong renewability
  • ​E-opinion provided upon diagnosis of a critical illness
  • 10% discount for two-year policy tenure
  • 10% family discount on covering 2 or more family members under Health Suraksha on the individual sum insured basis, etc.

Scope of Coverage Under HDFC Health Insurance for Kids

  • 60 days pre-hospitalisation covered
  • 90 days post-hospitalisation covered
  • 144 daycare procedures covered
  • Transportation expenses for emergency ambulance
  • AYUSH cover without any sub-limits
  • Organ donor expenses covered
  • Convalescence benefit
  • Tax benefits under Section 80D of the Income Tax Act, etc.

HDFC Childrens Plans Eligibility

To buy the Health Suraksha Gold plan for the child (aged below 5 years), both the parents have to be covered under the policy in the first place. Note that any individual who is 91 days onwards can invest in the policy. However, register that there is no maximum entry age limit to purchase the Health Suraksha Gold plan. ​

Exclusions HDFC Kidcare Insurance

  • Accidents while participating in defense operations
  • Adventure Sport injuries
  • Self-inflicted injuries
  • Treatment of Obesity or Cosmetic Surgery
  • War accidents and illnesses, and others

Those willing to learn more about child health insurance by HDFC ERGO, kindly go through the Policy Wording to explore the details. If interested, you can also initiate contact with InsuranceDekho at 1800-1205-698 and get all your questions answered by one of our experts right away!

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FAQ About HDFC ERGO Health Insurance

  • Can I take an independent health insurance policy at HDFC ERGO for my 4 year kid?

    In case your kid is less than 5 years, he or she would only be covered if you & your spouse are covered under the policy. 

  • Does HDFC Ergo provide health insurance coverage for kids?

    Yes, at HDFC Ergo you can get health insurance coverage for your children as well. 

  • Does HDFC Ergo provide coverage for new born baby?

    Yes, HDFC Ergo provides health insurance coverage for new born baby. 

  • What are the benefits that HDFC Ergo offers under its health insurance policy for kids?

    The benefits covered under health insurance plans for kids by HDFC Ergo include pre-hospitalisation and post-hospitalisation, in-patient treatment, day care procedures, domiciliary hospitalisation, and various other benefits.

     

  • Who should buy HDFC ERGO kids health insurance plan?

    HDFC ERGO kids health insurance is a must buy for people looking forward to securing the health of their kids along with themselves to gain financial security against expenses incurred during an unexpected medical emergency.

Network Hospital in Popular Cities

CityNo of Hospital
Faridabad71
Kolkata100
Surat144
Hyderabad416
New Delhi446
Jaipur174
Mumbai281
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