With medical costs spiraling out of control and the increase in shift to lifestyle diseases, healthcare today is at its all-time-high in terms of treatment costs. In the event of an unforeseen illness, you may have no option other than to utilize your hard - earned savings, built over throughout your life time. Finally, what’s more important than your health? But now, no more!
With HDFC ERGO’s Health Suraksha, a plan designed to provide optimum coverage for treatments including the pre and post hospitalization costs and much more. Ensures complete peace of mind with minimum out-of-pocket expenses. Now, make sure that you use your hard-earned savings for the real reasons – Be it your child’s higher education or his dream wedding, a well deserved family vacation or just about anything you dreamt of all your life.
- Optimum Coverage at an affordable price
- Option to cover on Individual or Family Floater Basis
- Option to for an annual or two year policy
- Cumulative Bonus for each claim free year
- Provides Cost of Health Check up after 4 claim free years
- Cashless Claims Service across India at 4,200+ network hospital
- Income Tax Benefit Under Section 80D of the Income Tax Act
- Hassle free Claims Process with minimum documentation and turn around times
| Schedule of Benefits - Individual & Family Floater |
| Basic Sum Insured per Policy Year |
Rs. 200000; Rs. 300000; Rs. 400000 |
| In-patient Treatment |
Covers hospitalisation expenses due to sickness or accident upto the Policy Sum Insured |
| Pre-hospitalization |
Pays for medical expenses incurred 60 days immediately before hospitalisation |
| Post-hospitalization |
Pays for medical expenses incurred 90 days immediately after the discharge post hospitalisation |
| Day Care Procedures |
Pays for 141 listed 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 harvesting an organ donated |
Emergency Ambulance
(Limit per hospitalisation) |
Pays upto max. Rs. 2,000 for utilising an ambulance in an emergency |
| Ayurvedic / Homeopathic |
Pays for medical expenses for inpatient treatment under Ayurveda, Unani, Siddha or Homeopathy. Pays upto 20% of Sum Insured; Maximum Rs. 20,000 (for Policy Sum Insured 2L & 3L) and Rs. 25,000 (for policy Sum Insured Rs. 4L) |
| Cumulative Bonus |
5% increase in Sum Insured for every claim free year; upto Maximum 50% |
| Health checkup |
Pays Upto 1% of Sum Insured; Max Rs. 5000 |
- 30 days Waiting Period
- 2 year Waiting Period for Specific Illnesses and Treatments like internal tumors, cysts, surgery on tonsils and sinuses etc.
- Pre-existing Conditions (until 48 months of continuous coverage)
- War or any act of war
- Any breach of any law with criminal intent
- Self-destruction or self inflicted injury, attempted suicide or suicide
- Terrorism, war or radioactivity
- Any claim arising out of the use of Intoxicating Drugs and Alcohol
- AIDS/HIV
- Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment
- All preventive care, vaccination including inoculation and immunisations
- For a complete list, kindly refer the Policy Wordings
*Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings. *This content is descriptive only. Actual coverage is subject to language policy issued.
- Tax Benefit under section 80D
- No Medical Check-up upto 45 years
- Cashless treatment at 4200+ network hospitals
- Offers one year or two year policy coverage period
- Option to cover individual or entire family under a single premium
- Provides coverage for spouse, dependent children and dependent parents under a single policy
*Children below 5 years are covered provided both parents are covered under our policy
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