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• In-patient hospitalisation:
  • Covers hospitalisation expenses without any disease sub limit
  • Room Rent Limit up to 1% of Base Sum Insured, subject to maximum of ₹ 3,000/- per day
  • The intensive care unit charges up to 2% of the sum insured
• Pre-Hospitalisation Medical Expenses Cover: 60 Days
• Post-Hospitalisation Medical Expenses Cover: up to 90 Days
• Day care procedures: This covers all day care procedures
• Domiciliary hospitalisation: Covered up to the Sum Insured
• Alternative Treatments: Ayurvedic, Unani, Siddha and Homeopathy are covered up to Sum Insured limit 
• Organ donor expenses: Covered up to the Sum Insured
• Road ambulance cover: Covered up to ₹2,000 per hospitalisation
• Hospital cash: Daily charges of ₹500, for 30 days maximum, for every consecutive and completed 24-hour period of hospitalisation
• Preventive health check-up: 1% of Base Sum Insured maximum up to ₹ 2,000 at the end of each block of continuous 3 policy years
• A cumulative bonus of 10% of the Base Sum Insured under the expiring Policy will be applied to each claim-free year subject to a maximum of 50% of the Base Sum Insured

• In-patient hospitalisation: Covers hospitalisation expenses without any disease sub limit and no room rent restriction
• Pre-hospitalisation medical expenses cover: 60 days
• Post-hospitalisation medical expenses cover: up to 180 days
• Day care procedures: All day care procedures covered
• Domiciliary hospitalisation: Covered up to the Sum Insured
• Alternative Treatments: Ayurvedic, Unani, Siddha and Homeopathy are covered up to Sum Insured limit 
• Organ donor expenses: Covered up to the Sum Insured
• Road ambulance cover: Covered up to ₹2,000 per hospitalisation
• Hospital cash: Daily charges of ₹1,000, for 30 days maximum, for every consecutive and completed 24-hour period of hospitalisation
• Preventive health check-up: 1% of the base sum insured up to ₹7,500 for each year without a claim
• A cumulative bonus of 10% of the base sum insured under the expiring Policy will be applied to each claim-free year up to 50% of the Base Sum Insured
• Restore benefit:100% Restoration on partial or complete utilisation of sum insured.

The Base Sum Insured, Cumulative Bonus and Restore Sum Insured are available to all Insured Persons for all claims under the Coverage during the current Policy Year, subject to condition that a single claim in a Policy Year cannot exceed the Base Sum Insured and Cumulative Bonus (if applicable).

In the event of complete or partial utilisation of the Base Sum Insured due to any claim admitted during the Policy Year, irrespective of the utilisation of the Cumulative Bonus, the Company shall restore the Sum Insured up to the Base Sum Insured (as applicable under the current Policy Year) for any subsequent claims admissible subject to the following conditions:

• This Benefit shall be applied only once during each Policy Year and any unutilised amount, in whole or in part, will not be carried forward to the subsequent Policy Year.
• The Base Sum Insured restoration under the Restore Benefit would be triggered only upon complete or partial utilisation of the Base Sum Insured by the way of first claim admitted under the Policy and be available for subsequent claims thereafter in the Policy Year, for the Insured Person.
• In case of a family floater policy, the Restore Benefit will be available on floater basis for all Insured Persons covered under the Policy and will operate in accordance with the above conditions.

*If opted

Single claim in a Policy Year cannot exceed the Base Sum Insured and Cumulative Bonus (if applicable).

• 30 days initial waiting period for hospitalisation, other than accidental injuries.
• 24 months waiting period on specific illnesses and surgical procedures.
• 36 months waiting period on pre-existing diseases.

a)    Illnesses:

b)    Surgical Procedures:

• War or any act of war, invasion, the act of a foreign enemy.
• Participation or involvement in naval, military or air force operation.
• Congenital external diseases, defects, or anomalies.
• Treatment for alcoholism, drug or substance abuse or any addictive condition.
• Committing or attempting to commit intentional self-injury or attempted suicide or suicide.
• Committing or attempting to commit a breach of law with criminal intent.

(Kindly refer to the policy wording for a complete detailed list)

Available on our website.

• Get a health policy curated, keeping the needs of gig workers/freelancers like you in mind

• Get up to ₹15 lakhs in coverage at an affordable premium

• Annual coverage starts at ₹5 lakhs as the base sum assured

• Better benefits, seamless online processes, instant policy issuance - it is in tune with your fast life 

Buy with an online purchase process that is streamlined and customer-friendly.

No need if you are not 55 years old yet. A simple ‘Good Health Declaration’ is good enough.  

No, unfortunately, that’s the bare minimum to buy the plan.

Yes, get your spouse and up to 4 dependent children covered along with you.  

A year from the date you purchased it. 

The certificate promptly reaches your registered email address.

Yes, there are 13,000+ network hospitals all around the country to choose from. To know more, click here. 

HDFC ERGO's in-house team will process claims. For further details on the claims process, visit the HDFC ERGO website, www.hdfcergo.com.  

Having a hospitalisation? Just file a claim on our website, www.hdfcergo.com or the app, or by sending claims paperwork to HDFC ERGO General Insurance Co. Ltd., Stellar IT Park, Tower-1, Fifth Floor, C - 25, Sector 62, Noida - 0120 398 8360.

The Platinum plan does not have any ICU or Room Rent restraints.

Under the Platinum Plan, pre-hospitalisation medical expenses are covered for 60 days before admission to the hospital, and post-hospitalisation medical expenses are covered for up to 180 days after discharge.

If prescribed by a medical practitioner, in-patient hospitalisation under Alternative Treatment for Ayurvedic, Unani, Siddha, and Homeopathy is covered up to Sum Insured.

Under Platinum plan hospital cash benefit of ₹1000/- per day for a maximum period of 30 days in a policy year is covered for each continuous and completed 24 hours of hospitalisation.

On complete or partial utilisation of the base Sum Insured by way of the first claim admitted under the Policy, 100% of the base Sum Insured will be restored to the Insured Person and will be accessible for subsequent claims in the Policy Year. Subject to the condition that single claim in a policy year cannot exceed the sum of Base Sum Insured and the cumulative bonus (if applicable).

For each claim-free year, you can get a preventive health check-up benefit of up to 1% of the sum covered (up to ₹7,500) under the Platinum Plan.

Each claim-free year results in a 10% increase in the Sum Insured Amount, up to a maximum of 50% in any policy year.

Medical Expenses for organ donor’s hospitalisation for harvesting a donated organ, where an Insured Person is a recipient in accordance and in compliance with

·     The Transplantation of Human Organ (amendment) Act, 2011

·     Transplantation of Human Organs and Tissues Rules, 2014

·     And other applicable laws and/or regulations

Organ donor expenses are covered up to the Sum Insured limit.

You can avail a maximum of ₹2,000 per hospitalisation in ambulance expenses to transport an insured individual to the nearest hospital in the event of an emergency.

The Gold Plan's Room Rent Limit is up to 1% of the Base Sum Insured, up to a maximum of ₹3,000 daily, and Intensive Care Unit (ICU) expenditures are covered up to 2% of the Sum Insured per day.

Under the Gold plan, pre-hospitalisation medical expenses are covered for 60 days before admission to the hospital, and post-hospitalisation medical expenses are covered for up to 90 days after discharge.

If prescribed by a medical practitioner, you can up to Sum Insured for in-patient hospitalisation for Ayurvedic, Unani, Siddha, and Homeopathy therapy.

Under Gold plan hospital cash benefit of ₹ 500/- per day for a maximum period of 30 days in a policy year is covered for each continuous and completed 24 hours of hospitalisation.

The Gold Plan does not offer Restore Benefit.

Under Gold plan, you can avail preventive health check-up benefit up to 1% of Base Sum Insured, maximum up to ₹ 2,000 at the end of each block of continuous 3 policy years.

Each claim-free year results in a 10% increase in the Sum Insured amount, up to a maximum of 50% in any policy year.

Medical Expenses for organ donor hospitalisation, for harvesting of a donated organ, where an Insured Person is a recipient in accordance and in compliance with

• The Transplantation of Human Organ (amendment) Act, 2011
• Transplantation of Human Organs and Tissues Rules, 2014 
• And other applicable laws and/or regulations
• Organ donor expenses are covered up to the Sum Insured limit.

You can avail a maximum of ₹2,000 per hospitalisation in ambulance expenses to transport an insured individual to the nearest hospital in the event of an emergency.