Overview
HDFC ERGO’s Easy Health Premium (Exclusive) Variant is a solid pick if you want high-limit, all-round health coverage. It offers sum insured options from ₹3 lakh to ₹50 lakh, covering hospitalisation, day care, AYUSH, organ donor costs, and air ambulance (up to ₹2.5 lakh). You also get daily cash for shared rooms and child care, maternity and newborn benefits (after a 4-year wait), and recovery payouts. Add-ons like critical illness cover, modern treatments, and wellness rewards (up to 8% renewal discount) make it ideal for families planning long-term health security.
Experts Review
Written by Nikhil Nair
Senior Writer
Easy Health Premium stands out for its balance of wide coverage and strong wellness benefits. The maternity cover is one of the best in the category, with decent limits and a relatively short waiting period. You’re also covered for high-cost modern procedures under day care or in-patient settings, and daily cash perks provide added relief during hospital stays.
The Stay Active discount encourages long-term healthy behaviour, and the 10% cumulative bonus for each claim-free year helps your cover grow without additional cost. Air ambulance inclusion is a bonus, especially for critical cases in metros.
However, like most plans, it has a few caveats. Maternity and pre-existing conditions have long waits, and add-ons like dental or overseas treatment come at extra cost. Certain non-medical expenses are excluded, and ambulance benefits and cash allowances are capped. Also, documentation for claims can be detailed, and older buyers may need pre-policy medical tests based on age or medical history.
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.
Special Bonus for being healthy and not claiming insurance, which could be a drawback for some.
Doctor consultations are not covered, which is a key feature.
Apollo Munich (now HDFC ERGO)
Key Insights
Claims Experience
98% claims settled in 30 Days
Apollo Munich (now HDFC ERGO) settles 98% of all claims it receives demonstrating strong credibility.
Network Hospitals
13,000+
Apollo Munich (now HDFC ERGO) has a strong network with over 13,000 hospitals, ensuring wide accessibility and convenience for policyholders.
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.
Non‑infective arthritis
Pilonidal sinus
Diseases of gall bladder (including cholecystitis)
Calculus in urinary system (kidney, bladder stones)
Benign tumors, cysts, nodules, polyps
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
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.
Special Bonus for being healthy and not claiming insurance.
Doctor consultations are not covered.
Customer Reviews
A
Anjali Mehta
Coverage for modern treatment methods is very comprehensive in this Premium plan.
S
Sunita Rao
Cumulative bonus for claim-free years helps the sum insured grow over time.
S
Sameer Ahmed
E-opinions for critical illnesses is a valuable additional benefit in this variant.
M
Meera G.
While modern treatments are covered, one should check for any sub-limits if applicable.
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Frequently Asked Questions
Does Easy Health Premium have 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 Premium have room rent restrictions?
Does Easy Health Premium offer a restoration benefit?
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