India's 1st IRDAI Approved Insurance Web Aggregator

HDFC Ergo Health Insure Plan

  •  views
  •  views


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 -

  • Individual
  • Family Floater


What is covered in HDFC Ergo Health Insure Insurance Policy?

  • Hospital room rent and boarding expenses
  • Hospital room accommodation – on a shared basis
  • Diagnostic procedures, lodging, ICU, operation theatre, surgical appliances, prosthetics medicines, drugs & consumables, anesthesia, blood, oxygen
  • 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
  • Dependent children
  • Dependent parents


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
  • Psychiatric conditions, mental disorders, Parkinson’s disease, Alzheimer’s disease and obesity-related treatments
  • External congenital diseases, pregnancy, childbirth or miscarriage related treatments
  • Dental treatments, plastic surgery or cosmetic surgery
  • General weakness, convalescence, rest cure, long-term nursing care, rehabilitation etc
  • Cost of contact lenses, spectacles, hearing aids, wigs, diabetic test strips and similar products
  • Involvement in military, air force, naval operations
  • Dangerous sports like racing, diving, hand-gliding, parachuting, scuba-diving, rock-climbing etc
  • Abuse of drugs, alcohol, hallucinogens, intoxicant
  • HIV, AIDS and related diseases
  • 2 yr exclusion on internal congenital diseases, non-infectious arthritis, cataract, internal tumors, osteoarthritis, gastric and duodenal ulcers, varicose veins surgery, hysterectomy, myomectomy for fibroids etc


Compare Health Plans

Leave a Comment

Health Insurance Calculator
Important: Insurance is the subject matter of solicitation | © 2009-2022