Health Insurance Plans and Policies by HDFC Life

HDFC Life provides a variety of Health Insurance Plans & Mediclaim Policies that offer financial security to meet health related contingencies. Due to changing lifestyles, health issues have not just escalated, they have increasingly become more complex in nature. It becomes imperative therefore to have a health insurance plan in place, thus your financial planning is incomplete if you have not accounted for health.

What is Health Insurance?

Health Insurance is a kind of insurance that provides coverage for medical expenses to the policy holder. Depending on the health insurance plan chosen the policy holder can get coverage for critical illness expenses, surgical expenses, hospital expenses etc.

Why you need health insurance

Changing lifestyles are causing diseases with expensive and prolonged treatments.

A Health insurance plan helps cushion your family finances from unexpected large medical expenses

How HDFC Life Health Insurance Plans help you

The Health Insurance Plans provide financial support for health related emergencies

It helps meet various health insurance needs be it based on the life stage of a person or a specific disease.


All Plans

HDFC Life Easy Health
Health is the most important asset you have. Every aspect of your life is dependent on your good health & hence it is of utmost to get the best health insurance plan for senior citizens, young & married couples as well as single individuals. Read More
Click 2 Protect Health
HDFC Life and Apollo Munich Health Insurance have joined hands to bring you the benefits of health and life insurance. Read More
HDFC Life Cardiac Care
HDFC Life present HDFC Life Cardiac Care, a comprehensive plan aimed at providing financial protection in case you are diagnosed with a cardiac condition or are undergoing a procedure as covered under the policy. Read More

Health Insurance Plans

Know more about HDFC Life Health Insurance Plans
Body Mass Index (BMI) is a number calculated from a person's weight and height.
3 Things to Consider Before You Pick a Health Insurance Plan
Health is wealth. Never have truer words been spoken. If you are healthy, you find yourself in the right frame of mind to tackle any hurdles that are thrown your way. However, just like life that has its ups and downs, your health too is not always predictable. You may make healthy choices every day, follow a good diet and exercise regularly, but may still find yourself falling sick once in a while. Situations like accidents come as a surprise and can never be planned for. Even while you are in the best of health, it is important that you visit a medical professional for regular check-ups. In any given case, it is always advantageous for you to have a health insurance plan. You may be selecting a health insurance plan through an employer or independently. Whatever the case may be, most people require some guidance on how to choose the right health insurance plan. Here are three important things to consider before you pick a health insurance plan.
  • When it comes to healthcare, the costs are rising. A health insurance plan or a mediclaim policy offers you some degree of financial protection. One of the perks of a health insurance plan is that most plans offer a tax-savings incentive. However, do not make tax savings the sole objective when you purchase a health/medical insurance plan. A detailed health plan is the best route to achieving financial stability in the long run. A medical emergency can quickly escalate into a financial crisis if you do not have health insurance. If you or an earning member of your family falls ill, it becomes a double whammy. This is because the ill individual requires funds for healthcare while losing the ability to earn an income. Almost nobody can be productive while they are sick. Having a health insurance plan is like paying a small price for long-term fiscal benefits.

  • Receiving a health insurance plan through your employer is a wavering situation. There might be instances where the medical insurance your employer offers is optimal. However if you are self-employed, then an employer’s health insurance plan is not even a consideration. Once you retire, an employer may not continue to provide you with health insurance. If you have a family, your employer’s plan may not cover the insurance expense for all your family members. You need to do some research here about what the best way forward is while considering a health insurance plan through an employer. Simply tagging along with your employer’s health insurance plan in India may not be the best decision for you. Make an educated decision about whether to pursue a health insurance plan through your employer or not.
  • Often while considering health insurance plans, the tendency is to look at just the monthly premiums. However, a monthly premium could turn out to be the least of your costs. A co-payment could be a major expense. A co-payment is the amount that you will pay out of pocket before the insurance covers costs. Here is where you want to make a practical decision regarding how high or low a health insurance premium you can afford. Simply comparing premiums could be misleading. Based on your budget, you want to find a fine balance between out of pocket expenses and your health insurance plan premium.    

    When it comes to your health, the stakes are high. You want a holistic health insurance plan. Hence, you should pick a plan only after you carefully think over all aspects of the health insurance plan in question. Do not get befuddled by the unfamiliar terminologies or diversity of mediclaim policies available. The great news is that HDFC Life offers a set of health insurance plans that are tailored to your needs. Just think of the aforementioned simple considerations and you are on the correct path to picking the right health insurance plan for yourself and your family. Once you are insured, you can have a sense of security and lay any uncertainties to rest. Having a health insurance plan is a good boost to having peace of mind.



HDFC Life Cancer Care
Smoking affects at least 6 million people a year*. Cancer treatment is expensive. HDFC Life Cancer Care now covers smokers too!


Yes, you may be eligible for tax benefits under section 80D of the Income Tax Act 1961. Please note that the above mentioned benefits are as per the current tax laws. Your tax benefits may change if the tax laws are changed. It is advisable to re-confirm the same with your tax consultant.

As per Section 39 of the Insurance Act, 1938, you can nominate a person to receive the benefits under this health insurance policy. During your lifetime and while your policy is in force, you may at any time, by written notice to us, designate any person or persons as a nominee to whom we shall pay benefits under this health insurance policy upon your unfortunate death. In case the nominee so named is a minor, then the policyholder is required to name an appointee (other than himself) for the minor nominee. Assignment shall be subject to Section 38 of the Insurance Act 1938. 

You can pay your health insurance/mediclaim policy premiums online via:
Credit card/ Debit card
Debit Card with PIN
SI on card

In case of any queries related to plan or form filling pls call our toll free number 1800 266 9777 or contact us at For submitting documents or any other query after premium payment, you can write us at or call us on toll free number 1800 266 0315. Post policy Issuance you can reach out our customer service desk on 1860 267 9999 (Local call charges apply) or write to us at


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(For NRI customer only)

08000006607 for premium amount
08000006608 for premium amount with due date
08000006609 for fund value (Applicable for Unit Linked Plans only)
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