HDFC ERGO Health Insurance Plans

This is also a critical illness health insurance plan which pays a fixed benefit on diagnosis of the covered illnesses.However, the plan covers more illnesses and has the following features

1. 15 critical illnesses are covered under the plan
2. The policy can be renewed lifelong
3. The survival period can be chosen to be as low as 15 days

This is a fixed benefit health insurance plan which covers a list of critical illnesses. If you are diagnosed with any of the covered illness,the plan pays the sum insured in lump sum irrespective of the medical costs that you incur.The features of the plan are as follows

1. 8 major illnesses are covered under the plan
2. Coverage of up to INR 50 lakhs can be taken against the covered illnesses
3. You can choose the survival period after which the critical illness claim would be paid by the company

This is another variant of the HDFC ERGO Health Suraksha policy albeit with a wider scope of coverage.The features of the plan are as follows

1. A family discount of 10% is allowed in the premium rate if two or more members are covered under the policy
2. Coverage is available up to INR 10 lakhs
3. There is no limit on the entry age
4. Maternity expenses and newborn baby cover is inbuilt in the plan’s coverage features
5. You can also get an e-opinion from the company’s team of medical experts if you suffer from a critical illness.This service would be free of cost
6. This HDFC Ergo medical insurance plan has an optional regain benefit which refills the sum insured in case it is used up in a claim in the policy year
7. You can also choose to enhance the no claim bonus to 10% by paying an additional premium