Does EquiCover Health cover pre-existing disabilities?

Yes. The policy covers hospitalization arising from covered pre-existing disabilities after a waiting period of 24 months from the first policy inception date, subject to policy terms.

Who can buy EquiCover Health?

The plan is specifically designed for persons with disabilities covered under the Rights of Persons with Disabilities Act, 2016 and individuals living with HIV/AIDS. Relevant documentation may be required during policy issuance.

Is cashless hospitalization available under EquiCover Health?

Yes. Treatment can be availed at network hospitals through the cashless facility, subject to pre-authorization approval from the insurer.

Is co-payment applicable on claims?

Yes. Every admissible claim is subject to a 20% co-payment. However, policyholders can opt for a co-payment waiver by paying an additional premium.

OneAssure

Health Insurance

HDFC ERGO

EquiCover

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 15000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Policy Brochure

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95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final Verdict

EquiCover Health is a niche health insurance solution designed to improve access to medical coverage for persons with disabilities and individuals living with HIV/AIDS while providing core hospitalization benefits.

About

About HDFC ERGO Health Insurance

EquiCover Health is a specialized indemnity health insurance policy created for persons with disabilities and individuals living with HIV/AIDS. The plan covers hospitalization expenses, AYUSH treatment, ambulance charges, cataract treatment, daycare procedures, and a range of modern medical treatments. It provides dedicated coverage for eligible disabilities recognized under applicable laws while also offering protection for HIV/AIDS-related hospitalization needs. The policy includes cashless treatment options, pre and post-hospitalization benefits, and lifelong renewability subject to policy terms.

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

Normal: Up to 1% of Sum Insured per day
ICU: Up to 2% of Sum Insured per day

Advanced Treatments

Uterine Artery Embolization (UAE)
HIFU (High Intensity Focused Ultrasound)
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intra Vitreal Injections
Robotic Surgeries
Stereotactic Radio Surgeries
Bronchial Thermoplasty
Vaporisation of Prostate
IONM (Intra Operative Neuro Monitoring)
Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

Co-payment

20% Co-payment on every admissible claim

Cashless Healthcare Providers

Cashless treatment available through network providers

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period:24 Months for pre-existing disability36 Months for other pre-existing conditionsSpecific Disease/Procedure Waiting Period: 24 Months

Daycare Treatment

Covered

AYUSH Treatment

Covered up to 100% of Sum Insured

Room Rent

Normal: Up to 1% of Sum Insured per day
ICU: Up to 2% of Sum Insured per day

Advanced Treatments

Uterine Artery Embolization (UAE)
HIFU (High Intensity Focused Ultrasound)
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intra Vitreal Injections
Robotic Surgeries
Stereotactic Radio Surgeries
Bronchial Thermoplasty
Vaporisation of Prostate
IONM (Intra Operative Neuro Monitoring)
Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

Co-payment

20% Co-payment on every admissible claim

Exclusions

Not available

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About the company

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support. HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise,...

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing,...