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HDFC Ergo Health Insurance Plans for Individuals

Published On Dec 08, 2021

A health insurance plan is a foremost thing to invest in. It not only protects your financial interests but also ensures that there are no compromises with the treatments, tests and consultations that one has to avail in case of any medical need. An individual health plan can help you stay safe and secure on a budget and might even protect the interests of your family. HDFC Ergo is a known and reliable insurance provider that has multiple beneficial individual health insurance plans to offer.

HDFC Ergo Health Insurance Plans for Individuals

1. My Optima Secure

This relatively new individual health insurance plan provides four times the coverage, at no extra costs. There are individual as well as floater options available, allowing policyholders flexibility according to their needs. Among the many benefits that are provided, there are many unique ones like that which cover the costs of disposable medical items such as belts, nebulization kits and more. The policy also has a 100% restoration benefit where every time the policyholder makes a claim against the total or partial of Rs 10 Lakhs base cover, the amount is 100% restored during any subsequent claims made in the same year.

Must Read: 10 Benefits of Health Insurance Riders

2. Optima Restore Individual Health Insurance Plan

The Optima Restore Individual Health Insurance Plan is a robust individual health insurance plan that restores the amount when the health coverage provided under the basic plan is made use of. Whether it is a partial or full claim, a 100% restoration is ensured. Moreover, even if no claims are made, this plan provides policyholders with benefits when they renew their policy. A 100% cover enhancement is given out in the form of a claim bonus. There are several other benefits that are available with the plan such as complementary health check-ups and covers such as a daily hospital cash cover.

3. my: health Suraksha Insurance - Silver Smart Plan

With this comprehensive health insurance plan, you do not have to ever compromise with the quality of healthcare that you avail yourself. There are free health check-ups every year, making sure you are alert about your health conditions. The plan also provides cashless home healthcare, covering the medical expenses of treatments even if they are administered while at home. Anyone can make an easy purchase of this health insurance policy, especially people under the age of 45 years, who will also not require to undergo any medical tests.

4. my: health Medisure Super Top-up

Among the many different plans that are available from HDFC, there is also a top-up one! This is extremely useful for enhancing the cover of an existing plan without the need to buy a new one altogether. Moreover, this top-up can extend its benefits to the entire family. When you purchase this policy for a longer period, like for 2 years, you can even get up to a 5% discount. There are plenty of opportunities and benefits to take care of, ensuring medical and financial security for your family.


When it comes to getting a robust health insurance plan, there is much to choose from. Nevertheless, HDFC Ergo provides some of the most comprehensive and reliable options in terms of premiums, benefits, covers and more. Taking care of one’s health is foremost, not only for individual benefit but also for the larger well-being of the entire family. That is why it is crucial that one invests in a health insurance plan, always keeping oneself prepared.

Also Read: Benefits of Arogya Premier Policy Offered by SBI General Insurance Company

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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