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HDFC Ergo Health Insure Plan
HDFC Ergo Health Insure Insurance Policy
Apollo Munich Insure Health Insurance policy is a basic health insurance policy that covers expenses when the insured is hospitalised. The policy can be issued on the spot for standard cases without undergoing any medical check up. It also covers Ayurvedic, Unani and Homeopathic treatments. However, make note that co-payment of 15% is applicable for each and every claim which means the customer has to bear a minimum of 15% of the amount under every claim.
Key Features of HDFC Ergo Health Insure Insurance Policy
Instant issuance and No medical tests required
Wide cover for treatment against illnesses and accident
Covers Ayurveda, Sidha, Unani and Homeopathic treatments
Compulsory co-payment of 15% for each and every claim
Coverage from Rs.25,000 to Rs.2,00,000
Type of plans available in HDFC Ergo Health Insure Insurance Plan
The plan is available in both types -
What is covered in HDFC Ergo Health Insure Insurance Policy?
Cost of prosthetics and other devices implanted internally during surgery
Expenses for organ donors treatment
Pre-hospitalisation and Post-hospitalisation expenses
Day care procedures
Ayush benefits takes care of cost of Ayurveda, Unani, Sidha and Homeopathic treatments
Additional Benefits of HDFC Ergo Health Insure Insurance Policy
Family discount of 10% if two or more members covered
Loyalty discount of 5% on renewal premium to buy another health policy from Apollo Munich
Eligibility and Restrictions of HDFC Ergo Health Insure Insurance Policy
Coverage Amount (in Rs.)
Policy Term (in years)
Entry Age (in years)
Renewable till Age (in years)
Family floater policy will cover
An individual and/or his spouse
Tax Benefits in HDFC Ergo Health Insure Insurance Policy
Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.
Exclusions - What is not covered in HDFC Ergo Health Insure Insurance Policy?
Any treatment within first 30 days of cover except in case of accidents
Pre-existing diseases or conditions for first 4 yrs