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HDFC ERGO my: Health Benefit Group Package Policy is a group plan that protects the finances of the insured members during critical illness treatment. This policy also provides coverage in case an insured member meets with an accident during the coverage period.
Please check the key features of this plan mentioned below to have a brief overview of the same.
On this page, we will talk about these features and benefits extensively. Read through it to make a better decision.
1.12 What is Not Covered Under the Policy?
We have discussed the features and benefits of the HDFC ERGO my: Health Benefit Group Package Policy below so that you can understand better. Please check.
Health Benefit Group Package Policy from HDFC ERGO will provide the sum insured amount to the insured member if he/she suffers from any of the following critical illnesses. The diagnosis and/or first commencement of the disease should occur after 90 days from the date of the start of the policy.
Note: An insured member needs to survive for at least 30 days after the date of occurrence of the insured event to get covered.
Insured members will get coverage against the expenses incurred on undergoing one of the listed surgeries in the policy. The coverage amount on medically necessary hospitalization will be up to the sum insured. Also, the illness or injury should have been contracted or sustained by an insured member during the policy term.
Some of the listed surgeries under this benefit are Replantation of Limb, Amputation of Arm/Foot/Hand/Leg, Closed Heart Valvotomy, Aortic Valve Repair, Surgery on Prostate, Hernia, etc.
The policy will pay the sum insured if an insured member faces an accidental injury (happened during the policy term), which results in the following within 12 months of the occurrence of an accident.
Under this feature, insured members will get coverage in case of termination or resignation from employment. We have discussed each of them below. Please check.
This policy from HDFC ERGO will pay the sum insured if an insured person faces the loss of income due to his/ her termination, dismissal, suspension or retrenchment from employment, imposed on him/her by the employer during the coverage term.
Note: The period of termination, dismissal, temporary suspension from employment should not be less than 30 consecutive days.
If an insured member faces a loss of income due to his/her voluntary resignation from the employment due to the injury from an accident (during the coverage period) and the same results in the following, the policy will pay the sum insured.
HDFC ERGO Health Benefit Group Package Policy offers the following additional services to the insured members through mobile application only.
An insured member under the group will enjoy access to the following health coaching services.
Through wellness services, insured members under the group will get discounts on OPD, Pharmacy and Diagnostic Centres. HDFC ERGO will also provide customer engagement services such as monthly newsletters, diet consultations and health tips. This group policy also provides the following specialized programs.
Note: You can also enjoy these services through the HDFC ERGO Mobile App.
Insured members can also make the premium payment in installments from the different options – Yearly, Half-yearly, Quarterly or Monthly.
This policy from HDFC ERGO offers a grace period of 30 days from the due date within which the policyholders can pay the renewal premium. For policies on the installment basis, the grace period is according to the below table.
Note: During the grace period, the coverage will not be available from the due date of installment premium until the date of receipt of the premium amount. Also, the policy will get cancelled in case the insured member doesn’t pay the premium within the grace period.
The group policy will not provide coverage in the following situations.

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