Best For

Maternity Benefits

HDFC Ergo
HDFC Ergo

Easy Health Exclusive

3.48

Rated by Ditto Insurance

Sum Insured

₹3 L ₹50 L

Entry Age

Adult: 18 Years onwards

Child: 91 Days - 25 Years

Exit Age

Adult: No Limit

Child: 26 Years

Overview

The HDFC ERGO Easy Health Exclusive plan is a comprehensive health insurance policy offering extensive coverage for medical expenses. It features no room rent restrictions, full coverage for all diseases without sub-limits, and a cumulative bonus [10% up to 100% irrespective of claims]. It also offers maternity benefits [maximum Normal Delivery Rs. 30,000, Caesarean Delivery Rs. 50,000, depending on opted SI] with a waiting period of three to four years. Backed by the reliable HDFC brand, the plan is supported by over 13,000 network hospitals.

Experts Review

Nikhil Nair

Written by Nikhil Nair

Senior Writer

Ishita Jain

Reviewed by Ishita Jain

Editor

IRDAI-Certified Expert
IRDAI Certified

The HDFC ERGO Easy Health Exclusive plan is a robust health insurance solution that offers comprehensive coverage without co-payment, room rent restrictions, or disease-wise sub-limits, making it appealing for those seeking hassle-free claims. It provides a higher daily cash benefit for shared accommodation compared to the Standard variant and includes maternity benefits, albeit with a three to four-year waiting period. Unlike the Standard variant, the Exclusive plan offers higher sum insured options (up to ₹50 lakh) and more comprehensive benefits, but it is 10-15% more expensive.

The basic cover under this plan includes a range of essential healthcare benefits such as pre-hospitalisation expenses for up to 60 days and post-hospitalisation expenses for up to 90 days. It also covers daycare treatments, domiciliary hospitalisation, AYUSH treatments, and organ donor expenses. Emergency ambulance charges are included up to ₹2,000 per hospitalisation. Additionally, the plan offers health check-ups up to 1% of the Sum Insured, capped at ₹5,000 per insured person/per policy, which can be availed once at the end of every block of three continuous policy years. HDFC ERGO's claim settlement ratio is high at 98% [as an avg. of 2021-24], supporting its operational efficiency.

Pros

Feature set is satisfactory.

Insurer has a solid track record with great claim and service metrics.

Cons

No Restoration Benefit, which is a notable gap.

Doctor consultations are not covered, which could be a drawback for some.

HDFC Ergo

HDFC Ergo

Key Insights

Founded

2002

HDFC Ergo was established 23 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

98% claims settled in 30 Days

HDFC Ergo settles 98% of all claims it receives demonstrating strong credibility.

Network Hospitals

13,000+

HDFC Ergo has a strong network with over 13,000 hospitals, ensuring wide accessibility and convenience for policyholders.

Complaints

7 complaints per 10,000 claims registered

HDFC Ergo maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.

Features

All

Great

Good

Co-payment

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

Room Rent

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

Disease sub-limit

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

Pre existing diseases waiting

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

Pre/Post hospitalization

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

Add-ons

Critical Illness

Get a lumpsum payment in the event you are diagnosed with critical illnesses outlined in the policy schedule.

Permanent Exclusions

Conditions or treatments that the policy clearly says it will not cover.

Admission for administration of Intra-articular or Intra-lesional injections, supplementary medications like Zolendronic acid (Trade name Zometa, Reclast, etc.) or IV immunoglobulin infusion.

Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.

Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.

Expenses for admission primarily for bed rest and not for treatment are excluded.

Custodial care at home or in a facility for help with daily activities is excluded.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Specific Illness

The following illnesses are not covered under the policy for 2 years.

Sinusitis

Rhinitis

Tonsillitis

Adenoidectomy

Mastoidectomy

Waiting Period

30 days Initial waiting period

2 years Specific illness waiting period

3 years Pre-existing disease waiting period

Ditto's Take

Ditto's Take

Standard

After a close look at the waiting periods, it’s safe to say they are fairly standard.

What's missing in the policy

No Restoration Benefit.

Doctor consultations are not covered.

Customer Reviews

E

Esha

No room rent restrictions is a great feature.

G

Gautam

The exclusive benefits seem valuable.

J

Jaya

Feels like a premium health plan.

M

Manoj

Is the claim settlement really hassle-free?

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Frequently Asked Questions

Does Easy Health Exclusive have waiting periods?

Yes. Easy Health Exclusive imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.

Does Easy Health Exclusive have room rent restrictions?

No. Easy Health Exclusive lets you stay in any room available in the hospital - Single Private Room, Share Room, Deluxe Room, etc.

    Does Easy Health Exclusive offer a restoration benefit?

    No. Easy Health Exclusive does not offer a restoration benefit.