So Much Choice

  • Aggregate Deductible

    Value buy

    This option offers you a discount on your premium, if you opt to pay an initial deductible amount for claims made in any policy year.

    You can choose any deductible amount and enjoy up to 50% discount on your premium. The following discounts will be applicable on the policy premium:

    Deductable Amount Base Sum Insured up to 20 lakhs Base Sum Insured above 20 lakhs
    25,000 25% 15%
    50,000 40% 30%
    100,000 50% 40%

    So, if Mr. Sharma agrees to pay the first INR 25,000 on his claims in the policy year, he gets a discount of 25% on his insurance premium. Which means, his premium of INR 24,279 reduces to just INR 18,210!

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  • Add-On Covers

    My: health critical illness (Add-on)

    Get comprehensive coverage for 51 critical illnesses with sum insured options of INR 100,000 to INR 200,00,000 and in multiples of INR 100,000.

    My: health hospital cash benefit (Add-on)

    Get sum insured options of INR 500/ INR 1000/ INR 1500 / INR 2000/ INR 2500 / INR 3000 / INR 5000/ INR 7500/ INR 10,000 to cover your out-of-pocket expenses.

  • Discount on health premium

    Loyalty discount

    With it, you will be eligible to get a discount of 2.5% on the base health premium if you have an active HDFC ERGO retail insurance policy with premium above INR 2000.

    Online discount

    Insured Person is eligible for 5% discount on premium in case he / she purchase the Policy online.

    Family discount

    Get discount of 10% if two or more family members are covered under the same policy under the individual policy option.

    Long term discount

    If the policy period is more than one year, you will be entitled to receive a discount of 7.5% and 10% if the policy is purchased for a 2-year and 3-year tenure respectively.

    Employee discount

    A discount of 5% will be given on the Premium, if any Insured Person is a HDFC Group employee (full time employee) at the time of enrolment, or subsequent renewal

    Combi discount

    Additional 5% and 5.5% combi discount can be availed if the Combi product is purchased through offline and online channels respectively.

  • Wide Coverage Choice

    Coverage

    Choose between wide range of base coverage from INR 5 lakhs to 2 crores

    Policy options

    Family Floater - A maximum of 4 adults and a maximum of 6 children can be included in a single policy having a common sum insured.

    Individual policy - A maximum of 6 adults and a maximum of 6 children can be included in a single policy having separate sum insured individually

    Tenure

    You can select policy tenure from 1 to 3 years according to your convenience.

    Age limit

    Minimum Age - The minimum entry age for a dependent child (who is, natural or legally adopted) is 91 days and maximum entry age is 25 years.

    Maximum Age - The maximum entry age is 65 years. There is no maximum cover ceasing age in this policy

    Note: Adults can be a combination of self, spouse, parents and parents-in-law

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