Why compare different health insurance plans?
Once you’ve made up your mind for buying a health insurance plan, it’s important to choose a plan that meets your requirements. To find out which policy is best suited for you and your family, it is essential to compare health insurance plans to make an informed buying decision. This practise is an eye opener as you get to know about the benefits, coverage and exclusion about all the policies. If you are guessing, how health insurance comparison helps in making a wise decision? Then, let’s understand the importance of comparison and how it impacts our investment move.
How to compare health insurance plans in India, before investing?
Comparing two or three different health insurance plans would expose you to a lot of details and you could get insights of what are the must-have benefits to look for. Before comparing health insurance plans you could decide the number of people you would want to cover under a policy and their age, which helps you in calculating the premiumamount. Premium calculation depends upon several factors, like if you are a 25 years old individual then your premium amount would be less as compared to someone who is of 55 years. Early investment and larger sum insured is the key to secure your health from unexpected medical expenses. Let’s look at the table below to compare health insurance plans.
Choose a comprehensive health insurance package for your family from the below 2 plans
| Health Suraksha Coverages || Health Suraksha Silver || Health Suraksha Regain |
| Basic Sum Insured (INR) || 3 to 10 Lakhs || 3 to 10 Lakhs |
| No Cap on room rent and doctor fees || ✔ || ✔ |
| Regain Benefit (Automatic availability of Sum Insured upon exhaustion) || ✘ || ✔ |
|In-patient treatment |
(Expenses due to an illness or accident)
| ✔ || ✔ |
| Ayurvedic, Unani, Sidha & Homeopathy Treatment Benefit || ✔ || ✔ |
| Pre-hospitalisation (60 days) || ✔ || ✔ |
| Post-hospitalisation (90 days) || ✔ || ✔ |
| ||Buy Now ||Buy Now |
Why choose HDFC ERGO?
Wide range of plans to choose from- HDFC ERGO offers a wide selection of plans to match your requirements. You can also choose the plans depending upon your family size and age.
Network of over 6000 hospitals:
HDFC ERGO has tied up with a wide list of hospitals to offer cashless hospitalization for its customers. Click here to find the list of hospitals.
HDFC ERGO offers round the clock support for your convenience and a hassle-free experience.
Trusted by Millions
HDFC ERGO is a recognized brand for taking care of your insurance needs. With over 75 lac happy customers, the brand has been assigned ‘iAAA’ rating by ICRA indicating its highest claim paying ability.
Health Insurance FAQs
- Can I compare health insurance plans online?
- What are the things to consider while comparing health insurance plans?
Sum insured, coverage, benefits, eligibility, cumulative bonus and sub limits are the most important factors for comparing health insurance plans.
- What is best for me; individual or family floater plan?
For just covering yourself you can opt for individual plan, however a family floater is best suited for covering your entire family.
- What is no claim bonus?
No claim bonus or cumulative bonus is a reward offered by insurance companies for every claim free year.
- What is co-payment?
Co-payment is a feature where in the insured pays a certain aggregate amount for the claim amount and the remaining is paid by the insurer.
- How to compare health insurance policy premium?
By calculating the premium of each plan you can compare premium for two health insurance plan.
- How to top-up medical insurance plan?
Top up plans are meant to enhance your existing or base policy for increasing the sum insured and offering a much larger cover at an affordable premium.
- How to choose the best health insurance plan?
A health insurance plan that offers maximum coverage and a higher sum insured cover is considered to be the best health insurance plan.
- How to compare a health insurance plan for an overseas visitor?
At present, HDFC ERGO at present offers health insurance plans limited to the boundary of our nation. However, very soon we shall be coming up with a Global Health Suraksha plan for covering overseas hospitalization expenses.