HDFC ERGO Health Insurance

This rider allows you to lower your health insurance premium. This is done by giving you the choice to customize the deductible amount. It applies to different health plans and helps in settling claims.

This gives discounts on health insurance at listed hospitals under specific Care plans, but a 20% co-payment applies elsewhere.

It pays for air ambulance services in India during a medical emergency or when transferring between hospitals as recommended by a doctor. This add-on is available under Care Supreme, Care Advantage, Care Senior Health Advantage, Care Insurance and Case Classic plans.

It makes a waiver of 20% mandatory co-payment for senior citizens under the Care Advantage policy. Seniors above 60 years pay co-payments under the Care Plus policy. Non-seniors can choose co-payment under the Care Supreme and Care Senior Health Advantage plans.

It offers additional coverage for hospitalization due to accidents. This is available for policyholders under the Care Advantage, Care Senior Health Advantage, Care Insurance and Care Classic plans.

This reduces the waiting period for pre-existing disease coverage from 48 to 24 months. This add-on is available under multiple Care health insurance plans.

OPD Care rider covers medical expenses for outpatient consultations, pharmacy, medical devices, COVID-19 vaccinations and diagnostic exams under specific plans.

This rider covers the cost of a second medical opinion from a qualified practitioner outside India. It is available in Care Classic, Care Insurance, Care Heart and Care Plus plans.

This rider covers the cost of preventive healthcare check-ups every year under the Care Supreme, Care Advantage and Care Classic plans.

This rider provides day 1 coverage for pre-existing diabetes, asthma and hyperlipidemia. It is available with the Care Supreme, Care Senior Health Advantage and Care Classic plans.

This allows the modification of hospital room rent/room category to either a single private AC room or a twin sharing room. It removes the previous restriction of having no limit on room category. This rider applies to the Care Advantage, CarePlus and Care Supreme plans.

This rider restores the sum insured of the health insurance policy unlimited times in a year. This rider is available under Care Advantage, Care Insurance and Care Senior Health Advantage plans.

This increases the sum insured of the base policy by 50% if no claims were made in the previous year. This rider is available with Care Advantage, Care Insurance and Care Senior Health Advantage plans.

This provides a fixed amount to the policyholder on each day of hospitalization. It is offered with Care Advantage, Care Insurance and Care Plus plans.

It covers the cost of a qualified nurse for daily activities on the doctor’s recommendation, available in Care Classic, Care Freedom and Care Heart plans for a maximum of 7 days.

This rider removes the 20% mandatory co-payment clause from the health insurance. It is available in Care Classic and Care Saksham plans.

This upgrades hospital room rent/room category eligibility and ICU charges limit. It is available under the Care Senior Health Advantage and Care Classic policies.

This covers diabetes, hypertension, asthma and hyperlipidemia expenses under the Care Classic and Care Senior Health Advantage plans.

This rider pays for child delivery and newborn baby expenses. It is available under the Care Classic and Care Plus plans after a 24-month waiting period.

This rider offers a premium discount for sub-limits on coverage of 9 illnesses, including cancer, under the Care Classic policy.

This rider waives sub-limits on cataract surgery and advanced technology methods under the Care Classic policy.

This rider shortens the waiting period for named illnesses. It is available under the Care Supreme policy.

This covers medical expenses for newborns from day 1. It is offered with the Care Supreme policy.

This rider is an additional perk that policyholders can enjoy with the Care Supreme policy. It offers extra financial assistance for all claims processed within a policy year.

This enhances the “No Claim Bonus” by increasing the base sum insured by 100% for up to 500%. It is available under the Care Supreme policy and prevents claims from impacting the accrued cumulative bonus.

This rider offers unlimited visits to fitness centres within a policy year. It is exclusive to the Care Supreme policy.

This rider is a feature of the Care Supreme policy that offers a discount on renewal premiums. It tracks healthy days throughout the policy year by recording at least 10,000 steps per day. Accumulating healthy days helps policyholders save on future premiums.

This rider covers expenses for mammography, cervical cancer screening, PCOS, and PCOD under the Care Supreme policy.

This rider covers the cost of outpatient consultations, counseling, and rehabilitation for mental health disorders. It is available under the Care Supreme policy.

This rider provides coverage for expenses typically not covered by health insurance. It is an additional feature of the Care Supreme policy.

This rider limits medical treatments using advanced technology methods under the Care Senior Health Advantage policy.

This rider covers expenses for outpatient consultations and prescribed therapy under the Care Senior Health Advantage policy.

This rider places a sub-limit on certain treatments and procedures like cataract treatment and cancer. It can be added to the Care Senior Health Advantage policy.

In this rider, the policyholder can extend the pre-existing disease waiting period in the Care Senior Health Advantage policy. The waiting period under this rider extends from the existing 12 months.

This is designed to end the coverage provided by the automatic recharge cover. It is an option offered within the Care Senior Health Advantage policy.

This rider limits the “No Claim Bonus” to 10% for every claim-free year up to 50% of the base sum insured and is available under the Care Senior Health Advantage policy.

It adjusts coverage for pre and post-hospitalization expenses to 30 and 60 days respectively. This rider is available with the Care Senior Health Advantage policy.

This rider offers financial support to policyholders in the event of hospitalization lasting 10 days or more. It is a feature of the Care Senior Health Advantage policy, providing additional peace of mind and security for the insured.

This rider is an additional feature of the Care Senior Health Advantage policy. It imposes a sub-limit on the amount of coverage provided for hospitalization expenses.

This rider enables individuals to receive comprehensive coverage for hospitalization and specific medical procedures globally, including maternity benefits. It can be added to the existing Care Insurance policy.

This rider covers emergency medical and travel assistance during overseas trips, including in-patient cover, baggage loss, OPD cover, repatriation of remains, passport loss, and medical evacuation.

This rider covers everyday care services like outpatient consultations, diagnostic exams, COVID-19 vaccinations, and specified healthcare services under the Care Insurance policy.

It provides financial assistance in case of accidental death or permanent total disability. It offers a lump sum amount to help cover expenses and supports the policyholder’s family. This rider is a valuable addition to the Care Insurance policy, offering an extra layer of protection for unforeseen circumstances.

This rider offers an extension of global coverage, allowing for 90 days in a single trip and 180 days cumulatively. This rider can be added to the Care Insurance policy, providing greater flexibility and peace of mind for international travel.

This rider is a feature that can be added to the Care Joy Maternity Insurance policy. It offers the benefit of increasing the base sum insured by 100% if no claims have been made in the last 3 consecutive policy years. This bonus serves as an incentive for policyholders to maintain a healthy lifestyle and avoid making claims.

This rider covers the cost of specified medical tests that are conducted three times within a policy year. It can be added to the existing Care Heart policy to enhance the coverage.

This rider is a part of the Care Freedom policy and it includes 8 doctor consultations with an empanelled doctor. However, there is a mandatory co-payment required to avail of this benefit.

This rider offers the option to upgrade your annual health check-up benefit to either a diabetes health check-up or a cardiac health check-up. It is specifically available under the Care Freedom policy.