HDFC ERGO PLAN DETAILS

It is present in more than 170 cities. It has 200 + branches across country. It is a joint venture
company with HDFC Ltd and ERGO International. Claim ratio is 62% with lifelong renewability and
10,000 + cashless network hospital.

1. OPTIMA RESTORE FAMILY HEALTH INSURANCE PLAN (Entry age 91 days to 65 years)

Sum insured 5lakh to 50 lakh

2. OPTIMA RESTORE INDIVIDUAL HEALTH INSURANCE PLAN ( Entry age 91 days to 65 years)
Sum insured is 5 lakh to 50 lakh
3. MY HEALTH SURAKSHA INSURANCE (SILVER SMART PLAN) (Individual,family,senior citizen)
 No capping on room rent and
 free health checkup
 (Entry age is 18 years to lifetime) Sum insured 3 lakh to 5 lakh
 Policy period (selected by customer) = 1yr,2yr,3yr
4. MY HEALTH SURAKSHA INSURANCE (GOLD SMART PLAN)
 Covers 586 days care procedures (Mental health related Treatment,Hospitalisation
expenses are covered)
 Entry age is 18 years to lifetime
 Policy period = 1yr,2yr,3yr
 Sum assured = 7.5 to 15 lakhs
5. MY HEALTH SURAKSHA INSURANCE (PLATINUM SMART PLAN)
 Recovery benefits of Rs 25,000 lumpsum amount is given one more than 10 days
of hospitalization
 Entry age is 18 years to lifetime
 Policy period 1-3 yr
 Sum assured = 20 lakh to 75 lakh
6. MY HEALTH MEDISURE SUPER TOP UP
 If Policyholder purchases 2 years policy term then 5% discount is provided on
premium
 No Medical checkup required upto 55 years
 Entry age is 18 years to 65 years with tax benefit
7. CRITICAL ILLNESS INSURANCE (SILVER PLAN)
 Heart attack, stroke, multiples scierosis, cancer, multiple organ transplantation,
by pass surgery, paralysis, kidney failure, coronary artery
(PLATINUM PLAN)
Multiple scierosis, heart attack, major organ transplantation, stroke, kidney
failure, aorta graft surgery, cancer, paralysis, end