Health Insurance Options
Medical expenses can be difficult to plan for. Understanding your coverage before purchasing a policy is an important step.
We help customers explore health insurance categories and understand key policy considerations. Products offered by HDFC ERGO General Insurance Company Limited may include individual health insurance, family floater plans, senior citizen cover, top-up and super top-up options, and specialised health insurance products, subject to current availability.
What you can explore
- Individual and family coverage
- Sum insured options
- Cashless treatment and network hospital considerations
- Waiting periods and pre-existing disease conditions
- Deductibles, exclusions, and claim requirements
Types of health insurance plans
Individual Health Insurance
Cover for one person under a dedicated sum insured.
Family Floater
One policy for the whole family, sharing a single sum insured — economical and flexible.
Senior Citizen / Parents
Cover for parents and senior citizens, subject to available products and eligibility.
Top-Up / Super Top-Up
Extra cover at lower cost, activated after a deductible threshold.
Critical Illness / Specialised
Lump sum on diagnosis of listed critical illnesses, or specialised cover.
Personal Accident
Cover for accidental injury, loss or hospitalisation.
Arogya Sanjeevani
IRDAI's standard simple policy with straightforward terms.
Common questions
Cashless treatment kya hota hai?
Network hospital me treatment ka bill insurer directly pay karta hai (approval ke baad). Aapko pehle paisa dena nahi padta. Approval policy terms par depend karta hai.
Pre-existing disease cover hota hai?
Aksar waiting period ke baad, policy wording ke anusaar. Medical history saaf-saaf batayein.
Waiting period kya hai?
Policy shuru hone ke baad kuch benefits par wait karna padta hai — jaise pre-existing diseases ke liye 2-4 saal.
Premium kaise decide hota hai?
Age, sum insured, plan type, city aur cover options ke aadhar par. Zyada sum insured = zyada premium.
Tax benefit milta hai?
Section 80D ke under premium par tax deduction mil sakta hai (current tax rules ke anusaar). Apne tax advisor se confirm karein.
Claim kaise karein?
Insurer ko intimation do, documents submit karo. Cashless me hospital aur insurer direct settle karte hain.
Policy renew karna zaruri hai?
Haan. Bina gap ke renew karne se waiting period aur benefits bani rehti hain.
Need help understanding your options?
Apni details bhariye — form bharne par aapki enquiry hamari team tak email dwara pahunch jayegi. Hum jald aapse sampark karenge.