What Are the Various Diseases Covered by HDFC Ergo Health Insurance Plans?

In the landscape of health insurance in India, HDFC ERGO stands out as a prominent player, offering a range of health insurance plans designed to cater to diverse healthcare needs. The company is known for its comprehensive coverage options, including a variety of diseases and medical conditions. Understanding the different health insurance plans in the market can help individuals and families make informed decisions about their healthcare coverage. In this guide, we will explore the various HDFC ERGO health insurance plans and their key features.

What are the Various HDFC ERGO Health Insurance Plans?

HDFC ERGO offers a range of health insurance plans, each tailored to meet different health coverage needs and preferences. Here are some of the notable plans provided by HDFC ERGO:

1. HDFC ERGO Health Suraksha Plan

• Comprehensive Coverage: This plan offers extensive coverage including in-patient treatment, pre and post-hospitalization expenses, day-care procedures, and more.

• No Room Rent Limit: There are no sub-limits on room rent in this plan.

2. HDFC ERGO my:health Suraksha Plan

• Enhanced Protection: The plan covers a wide range of medical expenses, including alternative treatments, organ donor expenses, and emergency ambulance charges.

• Health Check-ups: Policyholders can avail of free health check-ups.

3. HDFC ERGO my:health Medisure Super Top-Up Plan

• Top-Up Coverage: This plan acts as an additional layer of protection to your existing health insurance, covering expenses beyond the threshold limit of the primary policy.

• Flexibility: Offers a range of sum insured options and deductible limits to choose from.

4. HDFC ERGO Critical Illness Plan

• Specialised Coverage: Specifically designed to cover critical illnesses, this plan provides a lump sum benefit upon the diagnosis of any of the covered critical illnesses.

• Covered Illnesses: Includes illnesses such as cancer, heart attack, kidney failure, stroke, and more.

5. HDFC ERGO Health Optima Restore Plan

• Unique Benefits: Features like the Restore Benefit automatically reinstates the basic sum insured in case it gets exhausted.

• Multiplier Benefit: Offers a bonus on the sum insured for every claim-free year.

6. HDFC ERGO iCan Cancer Insurance Plan

• Cancer-specific Plan: Exclusively covers the treatment costs of various stages of cancer.

• Comprehensive Coverage: Includes chemotherapy, radiation, surgery, hospitalisation, and more.

7. HDFC ERGO Health Wallet Plan

• Reserve Benefit: Offers a unique reserve benefit that can be used for non-payable items under health insurance, OPD expenses, and more.

• Preventive Health Check-up: Covers the cost of health check-ups for every policy year.

Each of these plans comes with its own set of benefits and features, catering to the varying health insurance needs of individuals and families. In the following sections, we will delve deeper into the diseases and medical conditions covered under these HDFC ERGO health insurance plans, helping you choose a plan that best fits your healthcare requirements.

HDFC ERGO Health Insurance Covered Diseases List

HDFC ERGO Health Insurance plans provide comprehensive coverage for a wide range of diseases and medical conditions. While the specific coverage can vary based on the chosen plan, here's an overview of the types of diseases generally covered under HDFC ERGO health insurance policies:

1. Inpatient Hospitalisation Diseases

• Wide Coverage: Covers a broad spectrum of diseases that require hospitalisation, including but not limited to cardiac conditions, kidney disorders, infectious diseases, etc.

• Surgical Procedures: Includes coverage for surgeries related to various diseases.

2. Critical Illnesses (Specific Plans)

• Targeted Coverage: Under critical illness plans, diseases like cancer, stroke, heart attack, kidney failure, and other life-threatening conditions are covered.

• Lump Sum Benefit: Provides a lump sum amount on diagnosis of any of the covered critical illnesses.

3. Day Care Procedures

Minor Surgeries and Procedures: Covers diseases and conditions that require less than 24 hours of hospitalisation due to technological advancements, such as cataract surgery, dialysis, and chemotherapy.

4. Pre-existing Diseases

Coverage After Waiting Period: Pre-existing diseases are covered after the completion of the waiting period specified in the policy.

5. Genetic Disorders and Congenital Diseases

Specific Plan Coverage: Some HDFC ERGO plans cover genetic disorders and congenital diseases, subject to the terms and conditions of the policy.

6. Lifestyle Diseases

Diseases like Diabetes and Hypertension: Coverage for lifestyle diseases may be included, often with a waiting period, depending on the plan.

7. Organ Transplant

Organ Donor Expenses: Covers medical expenses for an organ transplant, including surgery and hospitalisation costs for the donor and recipient.

8. Maternity-Related Expenses

Maternity and Newborn Coverage: Some plans offer coverage for maternity-related expenses, including childbirth and newborn care.

9. Mental Health Conditions

Emerging Coverage: With evolving insurance norms, certain HDFC ERGO plans are beginning to include coverage for mental health conditions.

10. COVID-19

Pandemic Coverage: Most HDFC ERGO health insurance plans cover treatment for COVID-19, subject to policy terms.

11. Alternative Treatments

AYUSH Treatments: Plans may cover alternative treatments under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy).

It's important to note that the coverage can vary based on the specific health insurance plan chosen and the policy terms and conditions. Policyholders are advised to read their policy documents carefully to understand the extent of coverage, exclusions, waiting periods, and other terms related to different diseases. Additionally, it's wise to consult with HDFC ERGO representatives or an insurance advisor to get detailed and updated information about the coverage of various diseases under different health insurance plans.

How to Buy an HDFC ERGO Health Insurance Plan Online?

Purchasing an HDFC ERGO Health Insurance plan online is a convenient and straightforward process. With the advancement of digital platforms, you can select, customise, and buy a policy from the comfort of your home. Here's a step-by-step guide to help you through the process 

1. Visit the InsuranceDekho Website

Start by visiting the official InsuranceDekho website. We provide detailed information about various health insurance plans.

2. Explore Health Insurance Plans

• Plan Options: Browse through the different health insurance plans offered. Each plan's page typically provides details about coverage, benefits, premiums, and exclusions.

• Comparison Feature: Utilise the comparison feature, if available, to compare different plans side by side.

3. Choose a Suitable Plan

• Selecting a Plan: Based on your healthcare needs, family size, and budget, select a plan that suits you best.

• Consider Add-Ons/Riders: Look for any additional covers or riders that you might need and add them to your plan.

4. Calculate the Premium

Use the online premium calculator to get an estimate of the premium amount. Input details like age, medical history, sum insured, etc., to get an accurate quote.

5. Fill Out the Application Form

Fill in the online application form with accurate details. This will include personal information, medical history, and details of the insured members.

6. Choose the Sum Insured and Policy Tenure

Select the amount of sum insured and the policy tenure that you prefer.

7. Review the Policy Details

Carefully review all the entered details and chosen policy terms. Ensure that all the information provided is correct and complete.

8. Complete the Medical Check-Up if Required

Depending on your age and the sum insured, a medical check-up may be required. We will guide you through this process if it's necessary.

9. Make the Payment

Pay the premium online through secure payment options like net banking, credit/debit cards, or digital wallets.

10. Receive Policy Documents

Once the payment is processed and the application is approved, HDFC ERGO will issue the policy. The policy document will be sent to you via email, and you can also download it from the website.

11. Register for Online Services

Consider registering for an online account on HDFC ERGO’s portal for easy policy management and claim services.

Buying an HDFC ERGO Health Insurance plan online is efficient and user-friendly. It’s important to thoroughly understand the policy terms and conditions before purchasing. If you have any doubts or need assistance, you can get in touch with a relationship manager at InsuranceDekho at any time!

+91-7551196989 | support@insurancedekho.com | 

Final Thoughts

Choosing and purchasing an HDFC ERGO Health Insurance plan is a significant step towards securing your and your family's health and financial well-being. With a range of plans catering to various needs and the convenience of online purchasing through InsuranceDekho, you should be on your way to protecting your family in no time! 

FAQs

What types of health insurance plans does HDFC ERGO offer?

HDFC ERGO offers a variety of health insurance plans, including individual health plans, family floater plans, critical illness plans, super top-up plans, and specific plans like cancer insurance.

Are pre-existing diseases covered by HDFC ERGO Health Insurance?

Yes, pre-existing diseases are covered after a specified waiting period, which varies depending on the plan.

Can I buy HDFC ERGO Health Insurance online?

Yes, you can easily purchase HDFC ERGO Health Insurance plans online through their official website.

What is the waiting period for HDFC ERGO Health Insurance plans?

The waiting period for pre-existing diseases typically ranges from 2 to 4 years, depending on the plan and the disease.

Are there any tax benefits for buying HDFC ERGO Health Insurance?

Yes, premiums paid for HDFC ERGO Health Insurance are eligible for tax deductions under Section 80D of the Income Tax Act.

Can I add critical illness cover to my HDFC ERGO Health Insurance plan?

Yes, HDFC ERGO offers critical illness cover which can be added to your health insurance plan.

Does HDFC ERGO offer cashless hospitalisation?

Yes, HDFC ERGO provides cashless hospitalisation facilities at network hospitals across India.

What is the maximum entry age for HDFC ERGO Health Insurance plans?

The maximum entry age varies across different plans. Some plans offer coverage for senior citizens up to the age of 65 years at entry.

How can I make a claim with HDFC ERGO Health Insurance?

You can make a claim by contacting HDFC ERGO through their toll-free number, via email, or through their online portal for both cashless and reimbursement claims.

Is maternity coverage available in HDFC ERGO Health Insurance plans?

Maternity coverage is available in specific plans. It's advisable to check the policy details or consult with HDFC ERGO's customer service for the exact terms.