Health insurance is like a safety net that shields you from financial struggles during a medical emergency or planned hospitalisation by covering your expenses as mentioned in your plan. A comprehensive health insurance plan covers hospitalisation costs, diagnostic tests, pre- and post-hospitalisation, ambulance charges and many other expenses related to your treatment. You can choose to have an individual health insurance plan to safeguard yourself or a health insurance plan for your family to secure your family members under one policy. While selecting a health insurance plan choose a policy that gives wider protection for the premium paid and ensures that your sum insurance is enough to cover you through your policy period.
At HDFC ERGO, we are dedicated to making your lives easier with our products. Our flagship Optima Secure policy, provides worldwide coverage, with other benefits like quick cashless approval for chronic diseases, tax savings under Section 80 D of ITA, no-claim bonus and more.
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We've taken protection to the next level by introducing new add-ons that offer extra coverage you've always wanted. This plan offers 4X health coverage at no additional cost, which means you actually get 4 times increase in health cover at the cost of your preferred sum insured.
Along with 4X health coverage, this plan provides a global cover which includes coverage for hospitalisation expenses within India and coverage only for emergency medical treatments overseas.
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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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 Secure is one of the most recommended Indemnity health insurance plans offered by HDFC ERGO.
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 mediclaim policy 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 upplan that strengthens your existing health cover. It offers an extremely high coverage at low premiums. Getting a top-up plan is advisable if you have exhausted the sum insured promised in your existing 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. While buying a health insurance plan many are in a dilemma to choose between an indemnity plan and fixed benefit plan. Ideally having both kind of health insurance ensures larger coverage.
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.
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.
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.
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 claims and reimbursement claim requests.
With our newly launched my:Optima Secure Health Insurance plan experience healthcare like never before. To ensure seamless access to cashless facilities we have enabled quick approvals for early discharge from hospitals.
It is always advisable to buy a good health insurance plan as early as possible because health emergencies can happen anytime, without any prior notice. The following points will make it even clearer, why it is important to buy a health insurance policy at an early age:
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.
Just like you pay EMIs, credit card bills, invest in mutual funds or pay premium for life insurance plans to ensure a sound financial planning, similarly you need to buy a health insurance to secure your savings in the longer run. Because, most of us do not realize the importance of health insurance until something fatal hits us or people around us. Lack of awareness may hamper your savings if an unexpected medical expense comes up.
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.
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.
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 13,000+ Cashless Health care centers.
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 cover benefits before buying a health insurance plan online.
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.
Acts as a magical tool to bring back the exhausted sum insured in your health insurance policy, 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.
Even though your employer covers you, the freedom to customize it as per your growing need does not remain in your hands; additionally, if you ever quit your job then your health insurance cover ends. So, why risk your health cover with an employer, when you can easily get one for yourself.
A single critical illness is enough to put a pause to your life be it due to the long treatment course or the financial requirements. We help you cover the medical expenses so that you focus only on recovering.
When considering purchasing a health insurance plan, common questions that may arise include eligibility, required medical tests, and age criteria. However, these days it is easy to check your eligibility for a specific health insurance plan in India before making a purchase online.
At the time of buying a mediclaim policy, it's essential to disclose any prior health conditions you may have. This includes serious diseases, birth defects, surgeries, or cancers, not just common ailments like flu or headaches. Failing to do so may result in certain conditions being permanently excluded from coverage, or covered with a waiting period or additional premium. It's important to inform your insurance company about any pre-existing conditions to ensure full coverage.
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. Also Read : Should you disclose pre-existing illnesses while buying health insurance?
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. Also Read : Is there an Age Limit for Availing of Health Insurance ? 152ee80cbc
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