The cost of medical is increasing by each passing day as a direct result of the growth in lifestyle-related diseases. Healthcare expenditures are at an all-time high and show no sign of abating. Without adequate health insurance cover, in the event of an unforeseen illness, you may have to shred out your hard-earned savings over a lifetime – a seemingly unpleasant prospect. Ultimately, it’s your health that is more important and what can be a better way to protect it with the right Health Insurance plan like Health Suraksha.
HDFC ERGO Health Insurance
With HDFC ERGO’s Health Suraksha, a health insurance plan designed to provide optimum coverage for treatments including pre and post hospitalization costs, medical check-ups, cumulative bonus, minimum out-of-pocket expenses and much more; you can be rest assured for a complete peace of mind. HDFC ERGO health insurance provides affordable and comprehensive solution that affords you optimum health insurance cover. This will ensure that your hard-earned savings are utilized to make the quality of your life better by empowering you to invest in avenues that are close to your heart without having to worry about hospitalisation expenses.
Why HDFC ERGO Health Insurance
- Optimum health insurance coverage at an affordable price
- Option to cover on Individual or Family Floater Basis
- Option to choose health insurance plans from 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 3800+ network hospital
- No medical check-up upto 45 years of age
- Income Tax Benefit Under Section 80D of the Income Tax Act
- Hassle free Claims Process with minimum documentation and turn around times
- No Sub-limits on any disease, room rent, hospital charges and doctor fees.*
*Except for Ayurvedic/Homeopathic Benefit
HDFC ERGO Health Insurance Plan
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Schedule of Benefits - Individual & Family Floater
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Basic Sum Insured per Policy Year
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Rs. 200000, Rs. 300000, Rs. 400000, Rs. 500000
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In-patient Treatment
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Covers hospitalisation expenses due to sickness or accident upto the Policy Sum
Insured
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Pre-hospitalization
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Pays for medical expenses incurred 60 days immediately before hospitalisation
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Post-hospitalization
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Pays for medical expenses incurred 90 days immediately after the discharge post
hospitalisation
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Day Care Procedures
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Pays for 141 listed day care procedures which do not require 24 hours hospitalisation
due to technological advancement
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Domiciliary Treatment
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Pays for expenses incurred for medical treatment taken at home, on the advice of
a physician
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Organ Donor
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Pays for medical expenses for harvesting an organ donated
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Emergency Ambulance
(Limit per hospitalisation)
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Pays upto max. Rs. 2,000 for utilising an ambulance in an emergency
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Ayurvedic / Homeopathic
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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)
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Cumulative Bonus
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5% increase in Sum Insured for every claim free year; upto Maximum 50%
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Health checkup
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Pays Upto 1% of Sum Insured; Max Rs. 5000
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HDFC ERGO Health Insurance Exclusion Policy
- 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
Note: The content is descriptive only. For actual coverage, kindly refer the policy
document.
*Children below 5 years are covered provided both parents are covered under our
policy