Health insurance
Save tax upto ₹1 Lac^
with HDFC ERGO Health Insurance
Our health insurance plans also cover Coronavirus Hospitalization Expenses
Who do you want to insure?
#1.5 Crore+
Happy Customers
10,000+
Cashless Hospitals
20 Min Cashless
Claims approved*
Health Insurance: Budget 2021 & Tax Benefits
Tax planning is an annual exercise. And this year after the announcement of Budget 2021, if you’re looking for a powerful tax-saving tool that also offers numerous other financial benefits, health insurance is the answer. A health insurance plan not only equips you to tackle unexpected medical expenses, but it also helps you save tax up to Rs. 1,00,000, as per section 80D of the Income Tax Act, 1961. Make ‘Tax-Relax’ your mantra for this year and choose HDFC ERGO Health Insurance today which will help you in added tax advantages and leave your savings untouched when a medical emergency comes knocking.
Health Insurance Plans for Everyone
Health Plan for Caring Families
Your life revolves around your family. Then, why leave their health unprotected? Get a health insurance plan from us and make the most out of our special benefits like unlimited day care treatments and sum insured restore benefits which will cater every member’s medical needs.
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Health Plan for Aspiring Individuals
While you plan your finances, don’t miss out on buying a health insurance plan for yourself.Get benefits like fitness discount and sum insured rebound. Our health insurance plans for individuals will take care of medical expenses without impacting the savings.
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Just Launched 1 Cr Health Cover
1 Crore Health Plan
Medical expenses are ever rising. To beat steeper costs & massive bills, here's my:health Koti Suraksha plan that offers health cover up to 1 crore. Worried about heavy premiums? The good news is, this plan is not just comprehensive but affordable too "Big coverage @ small price"
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Health Plan for Ageing Parents
Your parents care for you always. It’s your turn to take utmost care of their health by securing their growing medical expenses. Our health insurance plan for parents offer lifelong renewability & AYUSH benefits to cater their growing medical needs.
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Health Plan for Corporate Employees
If you already have a corporate health insurance, then it covers you only during your work tenure and goes out of action once you resign. Hence, get yourself covered under our comprehensive health cover for employees and leave aside financial worries arising due to medical expenses.
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Health Plan for Senior Citizens
It’s that phase of life when you must leave aside worries and stay worry free. Then, why let the stresses of paying medical bills bother you? Get yourself a health insurance plan that applies no room rent sub limits and is lifelong renewable.
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Health Insurance for Diabetic
It is no secret that diabetics need special medical attention! While you track your blood sugar count and tackle Diabetes, let us offload hospitalisation worries with Energy health insurance plan.
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Health Insurance for Coronavirus
While the pandemic is still on why put down the guard? Get medical expenses and home quarantine treatment covered with Corona Kavach Policy.
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Health Insurance for Women
No doubt you are a super women with super powers, but you too need medical care at some point of time in life. With my:health Women Suraksha stay secured against life threatening illnesses & stay financially strong.
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Compare our Best Health Insurance Plans
OPTIMA RESTORE
Key Features
100% Restored Benefit: Get 100% of your cover restored instantly after your first claim.
2X Multiplier Benefit: Get up to 100% additional policy cover as no claim bonus.
Complete coverage 60 days prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs.
EXPLORE MORE
MY:HEALTH SURAKSHA
Key Features
No Medical Test Upto 45 Years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
Free preventive health-checkups: We offer free health check-ups so that you are healthier and happier always
Cumulative Bonus: Don’t think that your health insurance plan is of no use if you do not make a claim. It rewards you with additional 10% to 25% sum Insured upto a max of 200% depending on the plan opted at the time of renewal.
EXPLORE MORE
Just Launched 1 Cr Health CoverMY:HEALTH KOTI SURAKSHA
Key Features
50 Lacs & 1 crore cover options: Choose your health cover from two options of sum insured as per your needs.
No room rent capping^*: Get the freedom to choose any room upto a standard private AC Room.
Wider Pre & Post hospitalisation: We offer wider coverage of 60 days for pre-hospitalisation and 180 days for post hospitalisation expenses towards investigations, therapies and consultation charges.
Cumulative Bonus: Get an additional 10% of the sum insured on every claim-free renewal, which can go up to a maximum of 100%.
EXPLORE MORE
MY:HEALTH MEDISURE SUPER TOP-UP
Key Features
Works on Aggregate Deductible: This health plan comes in action once your all round total claim amount reaches the aggregate deductible in a year, it’s not necessary for a single claim to meet the deductible unlike other top-up plans.
No health checkups upto Age 55 : It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.
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MY:HEALTH WOMEN SURAKSHA
Key Features
Covers women specific Cancer: Get coverage against 41 critical ailments.
Covers surgical procedures: Surgical expenses are rising steadily. Get coverage against surgical procedures.
Self empowering optional covers: Pay additionally for job of loss, pregnancy & new born complication cover.
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CORONA KAVACH, HDFC ERGO
Key Features
COVID-19 specific expenses: Covers PPE kits, oxygen, ventilators, and consultation fees.
Pre-post hospitalization covered: 15 Days prior hospitalization and 30 days post hospitalization expenses covered.
AYUSH Treatment covered: We cover cost of hospitalization if you choose to opt for alternate treatments.
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CRITICAL ILLNESS INSURANCE
Key Features
No medical Check-ups: No medical check-ups up to the age of 45 years.
Lifetime Renewability: The policy can be renewed for a lifetime period.
Free Look Period: We provide a free look period of 15 days starting from the date of receipt of the policy document..
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ICAN CANCER INSURANCE
Key Features
My Care Benefit: From chemotherapy to stem cell transplantation, iCan offers complete cover for conventional and advanced treatments.
CritiCare Benefits: Get an additional 60% of the sum insured, as a lump sum payment if cancer is detected of specified severity.
Follow-Up Care: Cancer treatments often have side-effects. Follow up care benefit gives you reimbursement up to ₹3,000 twice a year.
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Choose Peace of Mind Over Panic
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What is Health Insurance?
Health Insurance is a medical coverage that helps you meet your medical expenses by offering financial assistance. Due to the high cost of hospitalization expenses, it is important to have a health insurance plan in place. In the current pandemic situation, health insurance plays a vital role in safeguarding your finances. You can buy a health insurance plan for your family and avail the below mentioned benefits & coverage.
Medical Expenses
Cost of Hospitalization
ICU Charges
Ambulance Cost
Day Care Procedures
AYUSH Benefit
Do I Really Need a Health Insurance Plan?
The answer is a clear Yes, because most of us may require medical treatment at some point of time in life. Hence, it is important to have a good health insurance plan that caters to rising medical expenses. To meet these expenses and avail quality healthcare facilities, it is important to have a comprehensive health insurance cover. Take a look at the key reasons that makes health insurance a must-have.
Beat Medical Inflation
Avail Quality Healthcare Facilities
Get Access to Specialised Treatments
Avail Cashless Hospitalisation Facility
Save Tax up to ₹75,000^
Get Preventive Health Check-up Coupons
EXPLORE OUR PLANS
3 Types of Health Insurance Plans you should know about
1
Indemnity Health Insurance Plan
This type of health insurance plan pays for your actual medical expenses on both cashless as well as reimbursement basis upto the sum insured. This is the most basic health insurance plan that everyone must-have. Optima Restore is one of the most recommended Indemnity health insurance plans offered by HDFC ERGO.
Optima RestoreRecommended for small families
Sum Insured from 5-50 lakhs
Restore Benefit Get instant addition of 100% basic sum insured to your cover on your very first claim.
Multiplier Benefit Doubles your sum insured in two consecutive claim free years.
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my:health SurakshaComprehensive yet affordable
No room rent capping: Choose your desired hospital room
Preventive Health Check-up : on every renewal
Sum insured Rebound: Magical back-up that, reinstates exhausted sum insured
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Just Launched 1 Cr Health Covermy:health Koti SurakshaBig coverage @ small price
50 lacs & 1 crore sum insured available
Pay premium in easy instalments
No room rent capping upto private AC room
Wider Pre and Post hospitalisation
Unlimited day-care procedures
Free health check-up on renewal
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2
Top-up Health Insurance Plan
As the name goes, a top-up health insurance plan acts as an enhancement to your existing health insurance. If you already have health insurance or a corporate health cover and wish to get a wider cover at a low premium then a top-up plan works best. At HDFC ERGO, we have gone a step ahead to offer you a Super-top up plan that strengthens your existing health cover. It offers an extremely high coverage at low premiums.
my:health Medisure Super Top-upHigher health cover at pocket-friendly premiums
No health checkups upto Age 55
Constant premiums from Age 61
Pay less, Get more
Offers pre-post hospitalisation expenses
Works on aggregate deductible
Covers day care procedures
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3
Fixed benefit Health Insurance Plan
While indemnity based health insurance and top up plans pay for medical bills on actual basis, a lump sum benefit based health insurance plan pays you in one go or lump sum. Its beneficial for meeting endless medical expenses arising out of critical ailments such as Stroke, Cancer, Paralysis, Multiple Sclerosis, etc.
Critical Illness Insurance
Upto 15 Critical Illnessess covered
Lump Sum payment in a single transaction
2 Plans available
Option to buy for 1 & 2 Years
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iCan Cancer Insurance
All types of Cancers Covered
Cashless Cancer Treatment
60% Sum insured is available for lump sum payout
Avail 100% of SI for cancer treatment
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Why Choose HDFC ERGO?
Our health insurance plans are designed keeping in mind the growing medical needs and rising inflation.
Cashless Claim Service
10,000+ Network Hospitals
4.4 Customer Rating
Almost 2 Decades of Serving Insurance
One of Most Trusted Brand
1.5 Crore+ Happy Customers
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10,000+
Network Hospitals
Across India
Find Your Nearest Cashless Hospitals
OR
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Understand Coverage Offered by Our Health Insurance Policies
What’s Covered?
What’s Not Covered?
Hospitalization Expenses
Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.
Mental Healthcare
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, physiotherapy, consultations, etc.
Day Care Treatments
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Home Healthcare
In case of hospital bed non-availability, if the Doctor approves treatment at home we cover you for that as well. So that, you get medical treatment right at the comfort of your home.
Sum Insured Rebound
This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Basically, we ensure uninterrupted medical coverage at the time of need.
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.
Recovery Benefit
If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Free Renewal Health Check-Up
Get a free health check-up within 60 days of renewing your policy with us.
Lifelong Renewability
Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
Multiplier Benefit
If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.
The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.
All Set to Buy A Health Insurance Plan?
LET’S START
Know your Health insurance premium In 4 Easy Steps
STEP 1
Let us know who do you want
to insure
STEP 2
Fill up member details
STEP 3
Choose Sum Insured
STEP 4
Calculate Premium
How to Make a Claim for your HDFC ERGO Health Insurance
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.
Cashless Claim
Reimbursement Claim
Health Insurance Cashless Claims get approved within 20* minutes
1
Intimation
Fill up the pre-auth form at the network hospital for cashless approval
2
Approval/Rejection
Once hospital intimates us, we send you the status update
3
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
4
Claim Settlement
At the time of discharge, we settle the claim directly with hospital
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for Your Family?
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Save Tax with Health Insurance Policy
Dual Benefit
A health insurance plan not only covers your medical expenses but also offers tax benefits so that you can save upto ₹ 75,000^ under Section 80D of Income Tax Act 1961. It plays an important role in planning your finances.
Tax deduction based on medical insurance premium paid
By getting yourself a health insurance plan, you can get a deduction of up to ₹ 25,000 per budgetary year for medical insurance premium under Section 80D of Income Tax Act 1961.
Deduction on medical insurance premium paid for parents
If you are paying the medical insurance premium for guardians, then you can also claim an additional deduction of up to ₹ 25,000 every budgetary year. If your parents or either of them is a senior citizen, then this limit can go up to ₹ 30,000.
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 ₹ 5,000 every budgetary year as expenses incurred for preventive health check-ups.
Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
If you think “I don’t need Health Insurance” , Think Again
Scenario 1
My employer is taking care of my health insurance I do not need one
Most of us consider employee health insurance as a secured cover for taking care of medical expenses. However, you must know that employer health insurance covers you only during your job tenure. Once you leave the company or switch jobs, you lose your health insurance benefits. Some companies do not offer health cover during initial probation period. Even if you have a valid corporate health cover it may offer a lower sum insured, lack modern medical coverage and may also ask you to co-pay for claims. Hence, always have a personal health insurance plan for yourself and your family to be double sure.
Scenario 2
Ignorance
Scenario 3
Low Sum Insured
Scenario 4
Premium vs. Coverage
Scenario 5
More than a tax saving tool
Scenario 6
I am young, fit and fine. I do not need a health insurance plan
How to choose the Right Health Insurance Plan?
Every time you look for a health insurance plan, you wonder which is the best health insurance plan? How to choose the best health plan online? What coverage should it have? To answer all your queries let’s read more to decode the hacks to get the right health insurance plan.
1
Get Yourself Adequate Sum Insured
If you are residing in the metro cities then the cost of treatment is high hence for an individual your sum insured should ideally range between 7 lacs to 10 lacs. If you are looking for a family cover to insure your spouse and kids a sum insured that ranges between 8 lacs to 15 lacs suits best on floater basis. It should be adequate to cover more than one hospitalisation that may happen in a year.
2
Affordability
If you wish to pay low premiums for health insurance plan then co-pay your hospital bills. You end up sharing the medical expenses with your health insurer hence you do not have to pay a heavy premium. You could also buy my:health Suraksha health insurance that offers instalment payment facility on monthly, half yearly, quarterly and annual basis.
3
Vast Network Of Hospitals
Always check if the insurance company has a wide list of network hospitals. If the nearest hospital or medical facility is listed by the insurance company it will help you avail cashless treatment. At HDFC ERGO, we have a huge network of 10,000+ cashless network hospitals.
4
No Sub-Limits Help
Usually your medical expenses depend upon your room type and disease. It is recommended to buy a health insurance plan that does not have sub-limits on hospital room rent so that you can choose the hospital room as per your comfort. Most of our policies also don’t imply disease sublimit; this is also an important factor one must keep in mind.
5
Check Waiting Periods
Your health insurance plan does not come into action while you are waiting period is not completed. Always check health insurance policies with lower waiting periods for pre-existing ailments and maternity benefits before buying a health insurance plan online.
6
Trusted Brand
Always choose a health insurance company that has a good reputation in the market. You must also look at the customer base and claim paying ability to know if the brand will honor the claims that you may make in future.
Protect Your Family Against Coronavirus
Hospitalization Expenses
IN JUST A FEW CLICKS
Which medical insurance plan is perfect for you?
With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased.
All this increase ends up being a burden on your savings, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes.
Scenario 1
You are a young, healthy youth in the late 20s or early 30s with a few financial responsibilities.
With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. This is where HDFC ERGO’s health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. Get yourself a health insurance plan now.
We recommend you my: health Suraksha Insurance Silver with ECB and Rebound.
This affordable health insurance plan will offer you a large coverage. It will help you save tax as well.In future, you can add your spouse and child to this plan as well.
GET THIS PLAN
Rebound Benefit
Acts as a magical tool to bring back the exhausted sum insured covering future hospitalization that may happen in the same policy period. Therefore, you always hold double protection although you pay only for a single sum insured.
Enhanced Cumulative Bonus
If you do not make any claim, your sum insured is increased by 10% as a bonus or reward upto a maximum of 100%.
This is our most-recommended plan for all those who are just willing to buy their first insurance plan.
What do you get in this Health Insurance Plan?
You can pay premiums on a monthly, quarterly, half-yearly, and annual instalment basis.
No hospital room rent restriction
Pay premium in installments
Cashless claims approved within 20* minutes
Scenario 2
You already have a corporate health cover & do not wish to spend too much on health insurance.
Scenario 3
You have a family to take care of and want to cover spouse + kids.
Scenario 4
You are looking to secure your parents
Scenario 5
You are a confident and independent woman willing to secure your health.
Scenario 6
Your family has a Critical Illness History.
Am I eligible to buy a Health Insurance Plan?
Often, when we you think of buying a health insurance plan, the first thing that may come to your mind is that whether I am eligible to buy this health insurance plan? Will this particular medical insurance plan require some medical tests? Alternatively, do I have to fulfil age criteria before signing up for health insurance? These questions pop-up quite frequently, however, these days when you try buying a health insurance plan online, in a snap you can check your eligibility before buying a particular health insurance plan in India.
Key factors that decide your eligibility for buying Health Insurance Plans
1
Previous Medical Conditions / Pre-Existing Illnesses
While buying a mediclaim policy, you have to be honest enough to declare all your pre-existing illnesses. These illnesses need not be your usual fever, flu, or headaches. However, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. Because, many ailments are listed under permanentexclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period.
2
Age
If you are above 18 years of age, you can easily buy a health insurance plan for yourself. We also cover newborn babies but the parent needs to have a mediclaim insurance policy with us. If you are a senior citizen,you can get yourself insured upto the age of 65 years.
Why Buy Health Insurance Online?
Convenience
Gone are the days when you wait for someone to come and explain the policy to make a buying decision. With digital trends taking over the world, buying a health insurance plan from anywhere across the globe helps you in saving time, energy, and effort.
Secured Payment Modes
You do not have to pay premiums in cash or cheque for your health insurance plan! Go Digital! Simply use your credit/debit card or net banking services to make payments online through multiple secured payment modes.
Instant Quotes & Policy Issuance
You can instantly calculate the premium, add or remove members, customize plans, and check coverage online at your fingertips to buy a health insurance plan online.
What You See is What You Get
You no longer have to wait for the physical health insurance policy documents. Your policy PDF copy comes right into your mailbox as soon as you pay the premium online and you get your policy within a few seconds.
Wellness & value added services at your finger tips
Get access to your policy documents, brochure etc in our my:health services mobile application. Download our wellness application to book online consultations, monitor your calorie intake and keep a track on your BMI as well.
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premium rates?
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Health Insurance Portability
Health Insurance Portability means an option to switch from your existing insurance company to another without losing continuity benefits. If your existing health insurance isn’t the right one and you wish to cover yourself with HDFC ERGO Health Insurance then you can port it, provided you have renewed your previous policies with other insurers without any breaks.
How to port a Health Insurance Plan from existing insurance to HDFC ERGO?
1
Intimate
You need to intimate us at least 30 days before the previous year’s policy expiry date that you wish to port your health insurance plan. You also need to tell us a few details of expiring policy like Sum Insured, members covered, your first policy inception date, etc.
2
Check claims and medical history
We shall check your medical history and claim to track and comprehend the risk before porting the policy.
3
Undergo health check-up
In case your age is beyond the requisite age group for the policy of choice or you are declaring a pre-existing disease, we may ask you to undergo a health check-up process before policy portability.
4
Policy issuance
Once your portability request is approved, your policy is ported. Moreover, you shall then be covered under HDFC ERGO Health Insurance.
HDFC ERGO Health Insurance Plan Covers Ayurveda & Other Treatments
About AYUSH Benefits
When you wish to hold on to your faith in the healing powers of Ayurveda, Unani, Siddha, and Homeopathy choose HDFC ERGO Health Insurance as we offer hospitalisation cover, if you wish to take treatment under these natural alternative therapies. These naturally designed therapies help you heal more easily with low side effects and better absorption by the body.
Ayurveda
A stands for Ayurveda. Ayurveda holds its origin from the past 5,000 years;Ayurvedic treatments involve a fine blend of spirituality, wellbeing, and nature. It believes in offering customized treatment for every patient. We at HDFC ERGO health insurance cover in-patient hospitalisation for treatments taken under Ayurveda.
Unani
U stands for Unani. Introduced by the Arabs and Persians, around the eleventh century, Unani is one of the most crucial alternative therapies in India. The key thought of Unani medicine is that disease results employs the humoral theory which presupposes the presence of four akhlaat (humours) in the body – dam (blood), balgham (phlegm), safra (yellow bile) and sauda (black bile).
Siddha
S stands for Siddha; it is a term that means “one who is accomplished”. The Siddha system is based on a combination of ancient medicinal practices and spiritual disciplines as well as alchemy and mysticism. Just like Ayurveda, Siddha is also one of the oldest medical systems in India. Siddha medicine has been used widely for the management of chronic diseases and other ailments such as rheumatoid arthritis.
Homeopathy
H stands for Homeopathy; this treatment is quite popular and is widely trusted upon. This medical system is based on the belief that the body can cure itself. Those who practice it use tiny amounts of natural substances, like plants and minerals. Homeopathy is holistic because it treats the person as a whole, rather than focusing on a diseased part or a labelled sickness.
Know what the expert speaks About our Health insurance plans
Ravi Vishwanath
President - Accident &
Health Business
Ravi has over 22 years of experience in the industry. He aims to be the distruptor in the health insurance sector by simplifying the entire health insurance process end-to-end; offering a delightful customer experience and seamless customer journey. He highly recommends buying a comprehensive high sum insured health cover for family especially during the pandemic, when securing medical expenses is a must.
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Hear from Our happy customers
4.4/5 Stars
Our customers have rated us
Praveen Kumar
my:Health Suraksha
28 Oct 2020
I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.
BipinPurohit
my:Health Suraksha
15 Oct 2020
I am totally satisfied with the services. The toll free line and IVR line worked even in Covid19 crisis. HDFC customer care executives communication is extremely helpful.
Shweta R
my:Health Suraksha
12 Oct 2020
I am glad that you have processed our claim as per the request of our mail.Thank you for considering our mail and responding to it. I am so happy for approving our claim.
Pramod MahadevTanawade
my:Health Suraksha
28 Sep 2020
Appreciated services provided by your executives.
Shailendra Kumar Rath
my:Health Suraksha
20 Oct 2020
Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service
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Health Insurance News
Income Tax Return: Visiting 80D page is a must even if you don’t have health insurance
In case an assessee has incurred the expenses allowed as deductions u/s 80D for his/her parents, he/she may also claim deductions for the same along with deductions for self and family.
Source: Financial Express
Published on 09 January 2021
Karnataka govt planning to bring back Yeshasvini health insurance scheme to benefit farmers, poor
Amid demands to reintroduce the Yeshasvini health insurance scheme, the Karnataka government is planning to delink health insurance from the ArogyaKarnataka scheme under the health department and execute the programme through the co-operation department.
Source: New Indian Express
Published on 09 January 2021
COVID-19 pandemic drives demand for term, medical insurance
The insurance industry was forced to adopt the digital route to sell policies from April 2020 as field agents had to start working from home amidst the Coronavirus outbreak.Insurers started to sell fully online from May onwards. Health insurers gained big as high medical costs drove customers to buying medical insurance products.
Source: Moneycontrol.com
Published on 29 December 2020
Soon, insurers will have to disclose premium illustration for Health Insurance
Now insurers will be required to disclose benefit/premium illustration, for all health insurance policies issued on individual and floater basis, to the policyholders.
Source: Livemint.com
Published on 29 December 2020
Understanding Waiting Period and Survival Period in Health Insurance
Policyholders cannot raise a claim against a certain condition if the waiting period is enforced on that condition. The two important health insurance concepts are - waiting period and survival period.
Source: Outlook India
Published on 28 December 2020
2020 brought standardization, digitization to insurance sector
The year 2020 was tough for the insurance industry but it also helped it reinvent itself like never before. In health insurance, short-term policies (generally, insurance policies tenure is of one year) were launched, telemedicine (treating patients using telecommunication) was brought in and instalment option was introduced for premium payments.
Source: Livemint.com
Published on 28 December 2020
Read Latest Health Insurance Blogs
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Frequently Asked Questions on Health Insurance
General
Cover
Policy
Claims
Renew
1. I’m covered under my employer's group policy, do I need a seperate health insurance policy?
Yes. You do need a personal health insurance plan as your employee health insurance covers medical expenses only till the time your employment in valid in the organization the moment you leave the job your policy term ends. Looking at the medical inflation it is important to have a personal health insurance plan, which you choose as per your medical needs unlike a corporate health plan which is commonly designed for all employees.
2. What are the benefits of the Health Insurance portability for the Policy holders?
3. What do you mean by Pre-Existing Disease?
4. In a health insurance policy, what does cashless hospitalisation means?
5. What are pre- and post-hospitalisation expenses?
6. Do I have to undergo any medical examination before buying a health insurance ?
7. How can I add my family members to my existing policy?
8. At what age can I include my children in the plan?
9. What is the Benefit of Buying Health Insurance At A Young Age?
10. Can a person have more than one health insurance policy?
11. What do you mean by waiting period in health insurance plans?
12. What is a ‘Free Look Period’?
13. What do you mean by Network/Non-network Hospitalization?
14. What is "Domiciliary Hospitalization"?
15. What are the benefits under basic hospitalisation?
16. What is the Right Age to buy Health Insurance policy?
17. Can a minor buy Health Insurance?
18. What to do if I am admitted in a non-network hospital?
Awards & Recognition
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience
Award of the Year
ICAI Awards 2014-15
ICAI Awards 2015-16
SKOCH Order-of-Merit
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Terms and Conditions Applied. © HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. Registered &Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. IRDAI Registration Number : 146 (Registration type: General Insurance Company). For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license.
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