HDFC Ergo Health Insurance for Senior Citizens
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HDFC ERGO Senior Citizen Health Insurance

HDFC Ergo Senior Citizen Health Insurance is designed for individuals over 60 years of age, enabling them to live a stress-free post-retirement life. ...Read More

95.30%
Claim settlement
2 Cr
Max sum insured
13
Active plans
200+
Pan India presence
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2x solvency ratio
✅ 95.3% claim settlement

HDFC ERGO Senior Citizen Health Insurance

HDFC Ergo Senior Citizen Health Insurance is designed for individuals over 60 years of age, enabling them to live a stress-free post-retirement life. It safeguards individuals during medical emergencies, which can be costly and lead to financial disruption.

This insurance is a good choice for those entering their post-retirement phase. It provides coverage against pre-existing diseases, hospitalization expenses, critical illness, and even COVID-19. With a network of over 13,000 hospitals across India, it ensures access to quality medical care.

HDFC Senior Citizen Health Insurance Eligibility Criteria

  • Entry Age

    18 Years to No Limit

  • Initial Waiting Period

    30 Days

  • Sum Insured

    3 L | 5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L

Key Benefits of HDFC Senior Citizen Health Insurance

HDFC Ergo Senior Citizen Health Insurance is a wise investment to protect your savings from medical expenses.

  • Cover Hospitalization Expenses: Offers coverage against hospitalization costs, including ICU charges and nursing fees.
  • Enhanced Sum Insured: Features a multiplier benefit that increases the sum insured by 50% in the next policy year if no claim is made in the first year.
  • Free Health Check-up: Policyholders can avail of a free health check-up within 60 days of renewing their policy.
  • Lifelong Renewability Benefit: Offers lifelong renewability with seamless renewals.
  • Avail Recharged Sum Insured: Allows recharging the sum insured up to the base cover if the existing health cover is exhausted.

HDFC Senior Citizen Health Insurance Inclusions

Inclusions consist of:

Pre and post-hospitalization expenses

Annual Health Check-up

Daycare Treatments

COVID-19 treatment

Ambulance cover

AYUSH coverage

Domiciliary Hospitalisation

HDFC Senior Citizen Health Insurance Exclusions

Exclusions include:

Hospitalization due to war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Adventure Sports Injuries

Cosmetic or obesity-related surgeries

Video reviews

Walkthroughs from the PolicyX team on HDFC ERGO Senior Citizen Health Insurance.

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

Explore HDFC ERGO Health Insurance plans

Health plans offered by HDFC ERGO Health Insurance — click any plan to see full details.

Individual Optima Lite Health Insurance Plan

Optima Lite Health Insurance Plan

HDFC ERGO Optima Lite Health Insurance Plan is an affordable policy providing necessary health insurance coverage to individuals and famili…

  • abc
  • xyz
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Individual and Family Health Insurance HDFC ERGO Optima Restore Plan

HDFC ERGO Optima Restore Plan

HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and you…

  • Recovery benefit
  • SI restoration
  • Waiting period reduction
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Individual and Family Health Insurance HDFC ERGO Koti Suraksha Plan

HDFC ERGO Koti Suraksha Plan

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO In…

  • High sum insured
  • Health and wellness plan
  • Emergency worldwide coverage
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Top Up and Super Top Up My Health Medisure Super Top Up

My Health Medisure Super Top Up

HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best medical treatment without an…

  • Plan Specifications
  • Key Features & Benefits
  • Quick Buying And Claim Process
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Individual and Family Health Insurance HDFC ERGO Health Wallet Family Floater

HDFC ERGO Health Wallet Family Floater

HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also s…

  • Worldwide Emergency Care
  • Avail 6% interest on unused SI
  • Cashless Homecare treatment
View plan
Individual HDFC ERGO Energy Diabetes Plan

HDFC ERGO Energy Diabetes Plan

HDFC ERGO Health Insurance offers an Energy Diabetes plan ideal for those suffering from Type 1 diabetes, Type 2 diabetes mellitus, pre-dia…

  • Personalized health coach option
  • Get rewards to reduce your premiums
  • Diabetes-Hypertension without waiting period
View plan

15,000+ cashless hospitals

Find a HDFC ERGO Health Insurance network hospital near you — no out-of-pocket payment at admission.

Choose your city

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

View all HDFC ERGO Health Insurance network hospitals →

Explore HDFC ERGO Health Insurance

Other guides and support pages for HDFC ERGO Health Insurance.

HDFC ERGO Top-up Plans HDFC ERGO Insurance for Parents HDFC ERGO Family Plans HDFC ERGO Critical Illness HDFC ERGO Critical Illness HDFC ERGO Policy Download HDFC ERGO Premium Calculator HDFC ERGO Claim Settlement Ratio HDFC ERGO Health Insurance Renewal HDFC ERGO Incurred Claim Ratio HDFC ERGO Health Policy Cancellation HDFC ERGO Health Check-up HDFC ERGO Health Benefits HDFC ERGO Claim Process HDFC Health Insurance Customer Care HDFC ERGO Maternity Health Insurance

Health Insurance Articles

HDFC ERGO Senior Citizen Health Insurance: FAQs

The 5 most-asked questions about HDFC ERGO Senior Citizen Health Insurance, answered.

Yes, HDFC Senior Citizen plans offers home healthcare options for the insured life on the recommendation of your doctor.
HDFC Ergo Senior Citizen Health Insurance offers a feature known as the multiplier benefit that allows policyholders to avail of enhanced sum insured i.e the sum insured grows by 50% in the next policy year if there is no claim in the first year.
Yes, organ donor expenses are covered under HDFC Senior Citizen Plans.
Yes, policyholders can avail a 5% discount in case they purchase HDFC Senior Citizen Plan online.
Yes, policyholders can choose to pay premiums in monthly, quarterly, half-yearly or yearly instalments.
Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 4 Nov 2024

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