HDFC ERGO Dengue Care Health Insurance

HDFC ERGO Dengue Care Plan - BimaBandhu

Recognizing the urgency to address vector-borne diseases, HDFC ERGO presents the Dengue Care Health Insurance – a specialised plan tailored to safeguard you and your loved ones in the event of a positive dengue diagnosis.

Dengue, a prevalent and potentially severe ailment transmitted by mosquitoes, demands a proactive approach to healthcare. The HDFC ERGO Dengue Care Health Plan covers hospitalisation expenses for both the policyholder and their family members diagnosed with Dengue. What sets this insurance apart is its swift response to the immediacy of the situation, boasting a minimal waiting period. The simplicity and convenience of this plan are further underscored by a singular premium payment, reducing the administrative burden on policyholders. 

In this guide, we will cover HDFC ERGO’s Dengue Care Health Insurance, exploring the comprehensive benefits it offers to shield you from the financial implications of dengue-related hospitalisation. 

HDFC ERGO Dengue Care: Key Highlights

  • Sum Insured: Ranging from Rs. 50,000 to Rs. 1,00,000
  • Policy Tenure: 1 year for uninterrupted protection against dengue-related healthcare expenses
  • Network Hospitals: Over 12,000 network hospitals
  • Pre-existing Disease Waiting Period: 3 years
  • Initial Waiting Period: 15 days
  • Specific Disease Waiting Period: 15 days (for dengue-related hospitalisation) 

HDFC ERGO Dengue Care Health Insurance Benefits/Inclusions

  • Coverage extends to expenses incurred during hospitalisation exceeding 24 hours, encompassing medical care and facilities.
  • Medical expenses within 15 days preceding hospitalisation are covered, addressing immediate healthcare needs.
  • Coverage extends to medical expenses incurred up to 15 days after hospitalisation, promoting a holistic approach to recovery.
  • In the event of hospitalisation in an empanelled facility, the insured individual receives shared accommodation benefits when placed in a shared room.
  • The plan covers any out-patient consultation with a general medical practitioner for Dengue treatment.
  • Reimbursement is provided for medicines prescribed to alleviate symptoms caused by Dengue.
  • Coverage includes expenses for diagnostic tests conducted by the individual to confirm the presence of Dengue and associated fever.
  • The insured individual can avail home nursing services as advised by an empanelled medical practitioner for Dengue fever treatment.
  • The insured individual qualifies for tax relief under Section 80D of the Income Tax Act, 1961, against the premium paid.

Also Read: Top Health Insurance Companies in India

Exclusions of HDFC ERGO Dengue Care Health Insurance

You should note the following exclusions of the HDFC ERGO Dengue Care Health Insurance plan:

  • Expenses incurred for the treatment of conditions other than Dengue fever are not covered under this plan.
  • Any treatment provided by a medical practitioner not licensed in their respective field is excluded from the coverage.
  • Expenses that are not applicable under standard medical expenses are excluded from the policy coverage.
  • Any treatment, or part of treatment, or medication not supported by a valid prescription from a licensed medical practitioner is not covered.
  • Charges related to hospital stays not in adherence to the specified clauses in the policy are excluded from coverage.
  • Various non-medical expenses, such as utility charges, ambulance equipment and collar charges, attendant charges, etc., are excluded.

HDFC ERGO Dengue Care Eligibility Criteria

To avail the comprehensive coverage offered by the HDFC ERGO Dengue Care health policy, individuals must adhere to the following eligibility criteria:

Minimum Entry Age: 81 years for adults and 91 days for children

Maximum Entry Age: 65 years (adults) and 25 years (children)

Coverage Type: Individual coverage 

Renewability: Lifelong 


Is the insured individual required to contribute to hospital expenses?

The insured individual won’t have to chip in for hospital expenses. HDFC ERGO takes care of the payment, ensuring a seamless and stress-free experience for the policyholder.

Does the HDFC ERGO Dengue Care Plan include any benefits for outpatient services?

The plan goes beyond in-patient coverage and extends its support to outpatient needs. You can enjoy benefits such as home nursing services, coverage for pharmacy expenses, and consultations with medical practitioners. 

How much time do I have for renewing my HDFC ERGO Dengue Care policy without any hassle?

You’ve got a grace period of 30 days for renewing your HDFC ERGO Dengue Care policy. 

Can I enjoy any tax benefits with the HDFC ERGO Dengue Care Policy?

The policy protects your health and offers a silver lining in terms of tax benefits. You qualify for tax relief under Section 80D of the Income Tax Act. It’s a win-win – securing your health and your financial well-being.

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