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Health Insurance

A Health Insurance Plan helps you meet your medical expenses by offering financial assistance. It helps you keep your savings intact,which you could use in the future to materialize your dreams instead pay for medical bills. It is a financial security and also a tax savings tool as it helps you save tax upto ₹ 75,000 annually.

Types of Health Insurance

What are the benefits of Health insurance?

What is covered in health insurance policy?

Sum Insured Rebound

For my health Suraksha Health Insurance an additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.

Day Care Procedures

Your hospitalization lasted for just a day that doesn’t mean it remains excluded. We cover 586 day care procedures in this health insurance plan.

Pre-hospitalisation Cover

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation with HDFC ERGO Health Insurance.

Post-hospitalisation Cover

This health insurance plan offers full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days after discharge from hospital.

Mental Healthcare

If any of the insured member suffers from mental illness, the expenses for hospitalization gets covered in this health insurance plan.

Home Healthcare

If your doctor recommends treatment at home, you can avail the services right at your home that too with ^^^cashless facility. Get this health insurance now.

Hospitalisation Expenses

Everything from bed-charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly with this health insurance.

Road Ambulance Cover

This health insurance plan covers expenses for transfer from hospital to home in an ambulance (within the same city) is also covered if the insured encounters life-threatening medical emergency.

Organ Donor Expenses

For a noble deed as organ donation, HDFC ERGO Health Insurance cover the organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant.

Alternative Treatments (Non-Allopathic)

We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need. Get this health insurance now.

Recovery Benefit

This health insurance plan offers a lump sum amount of Rs.5000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.

What is not included in Health Insurance Policy?

Adventure Sport injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries

You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our health insurance plan does not cover self-imposed injuries.


War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.

Participation in defense operations

Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases

We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan .

Save Tax with Health Insurance

Tax deduction based on medical insurance premium paid

Under Section 80D, you can get a deduction of up to Rs. 25,000 per budgetary year for medical insurance premium. The premium paid for a health insurance plan can be for you, your spouse, and dependent children. If you or your spouse is a senior citizen, then this limit can go up to Rs. 50,000.

Deduction on preventive health check-ups

You can also claim tax benefits on preventive health check-ups annually under Section 80D of the Income Tax Act. You can claim up to INR 5,000 every budgetary year as expenses incurred for preventive health check-ups.

Deduction on medical insurance premium payment for parents

If you are paying medical insurance premium for guardians then you can also claim an additional deduction of up to INR 25,000 every budgetary year. If your parents or either of them is a senior citizen, then this limit can go up to INR 30,000.

6 Reasons to buy Health Insurance

1. Lifestyle Diseases: Stress, pollution, unhealthy eating habits, gadget addiction, and undisciplined lives have made lifestyle diseases widespread. It’s important to buy a health insurance plan to tackle medical expenses rising due to lifestyle issues.

2. Inadequate insurance: Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient. These days medical science has advanced hence it’s important to get the higher sum insured health plans.

3. Beat medical inflation: The cost of medical treatment in India is always on the rise. Funding medical expenses on your own will lead to financial loss hence it’s important to buy a health insurance plan to beat the medical inflation.

4. Big Savings: Avail discounts on paying for 2/3 years policy tenure, also buying insurance policy for more than 2 family members on individual sum insured basis can fetch you more discounts. Be a smart insured and keep looking for long term discounts and save your premiums.

5. Early Decision: Getting insurance early has innumerable benefits right from lower premiums to wider coverage options. With less probability of having existing health conditions, you get the benefit of lower premium while buying a policy.

6. Tax Savings: Insurance is a tax saving instrument. Enjoy up to ^^Rs.75, 000 Tax savings annually under section 80D with health insurance plans. Isn’t it amazing? You can save tax and secure your health too.