HDFC ERGO brings to you Health Suraksha, a unique health insurance plan, providing optimum health coverage at an affordable price. Health Suraksha covers not only hospitalisation in the event of an accident or sickness but extends to cover pre and post-hospitalisation expenses, day care procedures, domiciliary treatment, organ donor expenses. Moreover, you get a renewal bonus for each claim-free year.

Get “Health Suraksha” today and protect your tomorrow.

PRODUCT HIGHLIGHTS

	Cashless Treatment at Network Hospital
	No Medical Check-up upto 45 years
	No sub limit (on any disease, room rent, hospital charges and doctor fees)
	Tax Benefit under section 80D*
	5% bonus on Sum Insured for every claim-free year
	Covers persons upto 65 years of age
	Offers one year or two year policy coverage period
	Option to cover on individual sum insured basis and on family floater basis
	Provides coverage for spouse, dependent children and dependent parents under a single policy
	Avail a family discount of 10%, if 2 or more members of a family are covered under the same policy
	on Individual sum insured basis
	(* Subject to the change in Tax Laws)
Children below 5 years would be covered provided both the parents are covered under our policy.

COVERAGES

	In Patient Treatment - Covers hospitalisation expenses due to an illness or accident. Pays for
	medical expenses incurred for room rent, boarding expenses, nursing, intensive care unit, medical practitioner, medicines or drugs and other related expenses
	Pre-Hospitalisation - Pays for medical expenses incurred due to an illness 60 days immediately
	before hospitalisation
	Post-Hospitalisation - Pays for medical expenses incurred 90 days immediately after the
	discharge post hospitalisation
	Day care procedures - Pays for medical expenses for 141 day care procedures which do not
	require 24 hours hospitalisation due to technological advancement
	Domiciliary Treatment - Pays for expenses incurred for medical treatment taken at home, on the
	advice of a physician
	Organ Donor - Pays for medical expenses for an organ donor's treatment in the event of
	organ transplantation
	Emergency Ambulance - Pays for expenses for utilizing ambulance services in an emergency
	Ayush - Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani,
	Sidha or Homeopathy

EXCLUSIONS:

	Any treatment within first 30 days of cover except any accidental injury
	Pre-existing conditions will not be covered for first 48 months
	Expenses arising from HIV or AIDS and related diseases.
	Mental disorder or insanity, cosmetic surgery, weight control treatment
	Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
	Hospitalisation due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
	Pregnancy, dental and external aids and appliances unless covered under specific plans
	2 year exclusions for specific diseases
	Experimental, investigational or unproven treatment, devices and pharmacological regimens
	No sub limit not applicable for Ayurvedic/Homeopathic benefit

CLAIMS PROCESS

	Incase of hospitalization, intimation should be provided to the Company / TPA immediately and
	not less than 7 days
	In all other cases, the Company / TPA must be informed of any event or occurrence that may give
	rise to a claim under this Policy at least 7 days prior to any consequent treatment, consultation or procedure being taken and the Company / TPA should pre-authorise such treatment, consultation or procedure
	Any documentation and information requested to establish the circumstances of the claim, its
	quantum or the Company’s liability for the claim, should be submitted within 10 days of our request or discharge from Hospital or completion of treatment, whichever is earlier

RENEWALS

	Cumulative bonus of 5% for every claim-free year upto a maximum of 50%
	Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutive claim-free years

TERMS & CONDITIONS

	Disclaimer: The above information is only indicative in nature. For details of the coverage
	and exclusions please refer to the policy wordings.
	The proposer has the option to choose his policy with or without coinsurance. Under the
	coinsurance option, we will coinsure the risk with Apollo Munich Health Insurance Company Limited, a registered and prominent stand-alone health insurance company which has expertise in underwriting and selling health insurance products. Furthermore, Apollo Munich is a joint venture between Asia’s largest integrated healthcare provider, The Apollo Hospitals Group, and Germany based Munich Re’s newest business segment, Munich Health.
	Anti-Rebating Warning: As per Section 41 of the Insurance Act 1938, as amended, the practice of
	rebating is prohibited, as follows: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance policy in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer. Violation of Section 41 of the Insurance Act 1938, as amended, shall be punishable with a fine which may extend to five hundred (500) Rupees.

For details, kindly refer to Policy Wordings.

HDFC ERGO General Insurance Company Limited
6th Floor, Leela Business Park, Andheri-Kurla Road Andheri East, Mumbai 400 059.
Registered Office: Ramon House, H T Parekh Marg 169, Backbay Reclamation, Mumbai 400 020.
Toll-free No. 1800 2 700 700 Fax: 91-22-6638 3699
E-mail care@hdfcergo.com Website www.hdfcergo.com

Disclaimer: Please read the Terms & conditions before concluding the sale.Insurance is the subject matter of the solicitation.
IRDA Reg No. 125 Form No./UID No. 530