HDFC ERGO Health Insurance Review – HDFC ERGO Policy for Family, Plans, Premium Chart, Renewal

HDFC Ergo Health Insurance is very profitable, all the health-related expenses you are covered under its policy are covered in it, such as all before and after hospitalization. The expenses are covered under this insurance policy, all the bills of the hospital are also paid, such as fees for hospital rooms, fees for the opinion of medical experts.

This health insurance company has also been awarded many awards. Because their policy is very good and has proved to be helpful to many people. HDFC Ergo Health Insurance Company has contacts in more than 4500 hospitals across India, from where you can go and get treatment.

List of HDFC Ergo Health Insurance Plans
List of HDFC Ergo Health Insurance Plans

 

List of HDFC Ergo Health Insurance Plans

Following are the 7 plans of HDFC Ergo Health Insurance (Apollo Munich Health Insurance) plans.

1. HDFC Ergo Optima Restore

2. HDFC Ergo Easy Health

3. HDFC Ergo Health Wallet

4. HDFC Ergo Optima Super

5. HDFC Ergo Optima Cash

6. HDFC Ergo Optima Plus

7. HDFC Ergo Optima Vital

1. HDFC Ergo Optima Restore

HDFC Ergo Optima Restore If you take this policy there is a lot of benefit because under this policy, the policy ends in the year, which automatically restores the original sum assured, which is for a longer period of time. Is very beneficial for you. In this policy, you can take advantage of this, both in your family and personally.

Key Features of HDFC Ergo Optima Restore
Key Features of HDFC Ergo Optima Restore

Key Features of HDFC Ergo Optima Restore

  1. It auto restores automatically, so that you get the benefits restored.
  2.  Benefits You also get 50% No Claim Benefit every year.
  3. If you are admitted to the hospital from 60 days to 180 days, then all the expenses from the first to the next are covered under this policy.
  4. Within this, the insurance company also provides you more than 1.5 million insurance money to get you an emergency ambulance, health check-up.

2. HDFC Ergo Easy Health

Under this HDFC Ergo Easy Health plan, you get a lot of good facilities in which you have savings left, a beneficial policy for the insurance holders for the treatment of any kind of illness. That you can avoid medical expenses and all the expenses are borne by the insurance company.

Key feature of HDFC Ergo Easy Health

  1.  If you are admitted to the hospital for 10 days or more, then this company pays you up to ₹ 10000.
  2.  If you do your organ transplant, it also covers the expenses under it.
  3. This company also covers the expenses of hospital room expenses, doctor’s fees or whatever fees are made through the advice of a specialist.
  4. Your maternity expenses are also covered in this policy.
  5.  Ambulance expenses up to 2000 are also paid to you in the hospital.
  6. If there is a serious illness such as cancer, Bypass surgery, heart attack, at that time ₹ 1000000 lump sum is paid to the insurance holder.
  7. If you are given more than 10 lakhs amount for 8 to 10 diseases related to any lungs, arteries, heart.

3. HDFC Ergo Health Wallet

HDFC Ergo Health Wallet is also the favorite scheme of many people, under this scheme, you can treat all the small diseases that occur. Provides cover for hospitalization in minor illnesses.

Features of HDFC Ergo Health Wallet 

  1.  Can restore the benefit of the principal amount of up to 100%.
  2.  If you go to any hospital, the expenses of OPD, medical expenses, whatever it is, this company gives completely.
  3. Ayurveda, Unani, Homeopathic admitted in any of these hospitals, pre and post health tests, treatment of patients, all these expenses are also covered in this policy.
  4. Up to ₹ 2000 for emergency ambulances is covered.
  5. Whatever donor cost of organ transplant is also covered under this policy.
  6. The insurer can show his health card anywhere in his network hospital and get cashless treatment from there.
  7. For treatment with an amount of more than 10 lakhs, the policy gets treatment at the lowest rates.

Rider-joining diseases such as

  1. Neuro surgery
  2. bone marrow transplant
  3.  cancer treatment 
  4. Live donor organ transplant 
  5. Heart valve replacement

4. HDFC Ergo Optima Super

HDFC Ergo Optimus Super is also a great coverage plan that attracts many consumers. This is a very big scheme that provides better facilities.

Key Features of HDFC Ergo Optima Super
Key Features of HDFC Ergo Optima Super

Key Features of HDFC Ergo Optima Super

  1. It covers 144 day care procedures which can be cured within 24 hours, treatment of them all such as cataract, ear operation, tonsillectomy.
  2. Under this, you also get a cashless facility, where the entire cost of treatment is covered by the company.
  3. In this, you can take advantage of life by getting hospitalized at zero cost.
  4. You can cashless all the expenses that are incurred on the alive person admitted to the hospital for treatment of the disease by going to any network hospital.
  5. Including 60 days before hospitalization or up to 90 days both expenses such as consultation fee, diagnosis report, pharmacy fee are also included in this.
  6. For the nearest network and non-network hospital, you get an ambulance facility.

5. HDFC Ergo Optima Cash

It is also a policy called HDFC Ergo Optima Cash so that you can take advantage of this policy due to the rising costs in the health sector, it is designed for those people who can get more benefits at a lower cost. It has 4500 hospitals located in 800 cities, providing live coverage to the public at all times. 

Features of HDFC Ergo Optima Cash

  1. Under this benefit policy, you get up to 3000 cash per day.
  2. In this, the expenses incurred on giving birth to your baby and all the expenses after that are also covered in it.
  3. If the living person is admitted in the hospital for more than 7 days, then his / her cash benefit is also covered in this.
  4. It includes a maximum of 6 day care procedures that you can treat.
  5. On hospitalization in Accidental Case, you will also receive the first 10 days cash every year.

6. HDFC Ergo Optima Plus

This is also an insurance policy that most people want to avail of it at the time of retirement, because many people want some health benefits after retirement, this policy was made in view of that.

Features of HDFC Ergo Optima Plus

  1.  In this amount you are fully assured that all your serious illnesses will be covered in this policy when you reach retirement age.
  2. In this you do not need any waiting period for any disease.
  3. Under this, it is cheaper to take this plan between 91 days to 45 years.
  4. You do not need to pay any fees even for day care treatment.
  5. This would include 140 DAy care procedures and plans.

7. HDFC Ergo Optima Vital

HDFC Ergo Optima vital is a special type of health plan that covers serious diseases, the treatment of which is very exceptional. Many people get insolvent by getting them treated for diseases. This plan has been made to secure the savings of all of them. Following are the features of this HDFC Ergo Health Insurance plan.

Key Features of HDFC Ergo Optima Vital

  1. If Alive person has Alzheimer’s disease, lung disease, mystic surgery, coma, anemia cancer, kidney failure are important diseases.
  2. Diagnosis also helps.
  3. This plan is to reduce any financial burden on them as soon as serious diseases are known.
  4. A living person also gets a claim bonus if he / she does not file any claim during 1 year.
  5. Facility is provided in networked and non-networked hospitals with 10,000 specialized and skilled doctors. Where you can get treatment by showing your card.

How did you get information about HDFC Ergo Health Insurance? Tell us in the comments and if you have any questions, you can also do personal msg.