HDFC ERGO Easy Health: what Standard and Exclusive cover
Easy Health (UIN HDFHLIP26054V102526) sets no room-rent limit and has no co-payment. It pays 60 days before and 90 days after a hospital stay, and adds 10% of the base sum insured each year up to 100%. There is no restore benefit. Maternity is covered only on the Exclusive plan, after a 4-year wait for sum insured of ₹15 lakh and above or a 6-year wait below that. The Standard plan does not cover maternity.
Standard vs Exclusive
| Standard | Exclusive |
|---|
| Sum insured (individual) | ₹1 lakh to ₹15 lakh | ₹3 lakh to ₹50 lakh |
|---|
| Room rent | No limit stated | No limit stated |
|---|
| Daily cash for a shared room | Yes, a fixed amount a day | Yes, a fixed amount a day, higher on bigger covers |
|---|
| Maternity | Not covered | ₹15,000 to ₹50,000 a delivery, 4 or 6-year wait |
|---|
| Emergency air ambulance | Not covered | Up to ₹2.5 lakh per hospitalisation (higher covers) |
|---|
| Road ambulance | ₹2,000 per hospitalisation | ₹2,000 per hospitalisation |
|---|
What both plans include
- Cumulative bonus: 10% of the base sum insured each year, up to 100%, irrespective of claims.
- Day-care treatment, treatment at home, AYUSH and organ donor costs.
- An optional Critical Illness cover that pays 50% or 100% of the in-patient sum insured.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 36 months. |
|---|
| Listed illnesses and surgeries | 24 months. |
|---|
Frequently asked questions
Does HDFC ERGO Easy Health have a room-rent limit?
No. The wording sets no room-rent limit. If you choose a shared room, you get a daily cash amount instead.
Does Easy Health cover maternity?
Only the Exclusive plan, after a 4-year wait (sum insured ₹15 lakh and above) or 6 years (below that). The Standard plan does not cover maternity.
Does Easy Health have a restore benefit?
No. The wording has no restore or recharge benefit.
Compare these plans clause by clause
Where this comes from
- HDFC ERGO Easy Health policy wording, UIN HDFHLIP26054V102526. Clauses Section 1 in-patient, Schedule of Benefits (Individual and Family), 5.1 Cumulative Bonus, Excl01, Excl02.
Checked against the wording on 2026-10-09.
Terms on this page, explained
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