Health is the most valuable asset that every individual owns and taking care of health comes almost naturally to everyone. Yet, life is full of uncertainties and highly unpredictable. Medical emergencies and accidents can occur to anyone, anywhere, anytime. While the agony of ill health is traumatic enough, the costs of medical care and recuperation add to the misery of the victims. Estimates suggest that medical inflation in India has been running in double-digits for the last few years. Today, even a routine surgical procedure can easily cost in excess of a hundred thousand rupees.With such possibilities, it is best to stay guarded with an appropriate Health Insurance cover.
Medical treatments are getting very expensive and can easily drain out a big chuck of savings of an individual if not insured. A prolonged hospitalization can cost enough to disturb a family’s well-calculated budget. According to the World Bank, 40% of people hospitalized in India are forced to borrow money or sell assets to cover their medical expenses. Thus, it is wise and prudent to get a Health Insurance policy that yields you maximum benefits in crucial times. Investment in health insurance is a wise and logical move. It not only secures health of the person, but also allows the family to stay calm in tough times without being worried about expenses.
While having a basic Health Insurance plan is wise, you need an extra layer of protection if you are looking to get comprehensive protection from different types of expenses related to hospitalization and post-hospitalization. To address comprehensive healthcare requirements of individuals, HDFC ERGO General Insurance Company has introduced an enhanced variant of its flagship HDFC ERGO Health Suraksha plan, namely Health Suraksha Gold. Health Suraksha Gold is an optimized Health Insurance plan that provides an affordable cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses. Also there are no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.
HDFC ERGO’s Health SurakshaGold plan has several distinct features that make it a perfect health insurance plan for everybody. While there is no age limit for entry in this plan, once purchased, you can renew this plan for the lifetime. In the Health Suraksha Gold plan, you can choose your Sum Insured from Rs 3 lakh, Rs 4 lakh, Rs 5 lakh, Rs 7.5 lakh and Rs 10 lakh. There are no sub-limits on any disease, room rent, hospital charges and doctor fees. The AYUSHbenefit, which covers inpatient hospitalization expenses under Ayurvedic, Unani, Sidha & Homeopathy, is also available with Suraksha Gold without any sub-limits.
HDFC ERGO Health Suraksha Gold offers several additional benefits that add value to the overall offering.
Health Suraksha Gold covers maternity expenses. Maternity Insurance Benefit is available under the Health Suraksha Gold plan after a waiting period of 4 years along with new-born baby cover. Expenses related to the normal delivery are covered up to Rs 15,000 and Lower Segment CaesarianSection (LSCS) delivery is covered up to Rs 25,000. The expenses for termination of pregnancy due to medical complications arealso covered up to Rs 15,000. The maternity includes Pre/Post Natal limit of up to Rs 1,500 and New Born limit of up to Rs 2,000.
Another feature of HDFC ERGO Health Suraksha Gold is the Convalescence Benefit. Convalescence benefit means after-help for the policyholder after hospitalization. After a long period of hospitalization, an individual may not be in the condition to get back to work quickly. At this point of time, he or she will require extra funds to take care of household expenses like medicines, healthcare products and so on. With Health Suraksha Gold, you get a lump sum amount as convalescence benefit. This benefit can be availed when your period of hospitalization exceeds than 10 consecutive and continuous days.
Additionally, there are a few non-cash - but worthwhile- benefits under Health Suraksha Gold plan. The first of these benefits is E-Opinion for Critical Illness. If an insured person suffers a Critical Illness during the policy period, then HDFC ERGO arranges a second opinion from a medical practitioner selected by the policyholder from the company’s panel. The second opinion is based on the information and documentation provided to the medical practitioner by or on behalf of the policyholder, and the second opinion is sent directly to the policyholder by the medical practitioner.Another non-cash benefit is free health check-up.TheHealth Suraksha Gold offers health check-up once at the end of continuous four claim-free years.