What should you know about health insurance claim process

Wading through different health insurance plans to purchase the correct one can be quite intimidating. Especially for first-time users since the terminologies are unfamiliar and finances are involved.

There are many different types of health insurance plans, each with its set of benefits and limitations. You should be aware of inclusions and exclusions of different plans to ensure you buy the best health insurance policy:

Here is a list of different health insurance plans offered by HDFC ERGO

Individual Health Insurance Plan

This insurance policy caters to the health insurance needs of an individual. The premium is calculated keeping in mind the individual’s medical history, age, and current health condition. The Health Suraksha Gold from HDFC is designed to meet individual insurance needs and safeguard you from hefty medical expenses. This insurance policy is not suitable for entire family as you will need to buy a separate plan for each member

Family Health Insurance Plan

Instead of buying separate insurance plans for every member, you can secure your family under a single plan with a family health insurance plan. The HDFC ERGO family health insurance plan can be opted for

  1. Family without Kids ( Self + Spouse ) 2 Adults
  2. Family With 1 Kid (Self + Spouse + 1 Kid) 2 Adults + 1 Child
  3. Family With 2 Kids (Self + Spouse + 2 Kids) 2 Adults + 2 Children

Health Insurance>

Old age brings along a lot of medical issues. The regular hospital rides, tests, and emergency treatment expenses may leave a dent in your savings. Parent’s health insurance is customized to provide immediate medical assistance along with pre-hospitalization, post-hospitalization, emergency hospitalization and organ donor treatment costs. HDFC ERGO offers Health Suraksha & my:health Medisure Classic Insurance that offer a host of other features such as lifelong renewability and no entry age limit. 

Senior Citizen Health Insurance

This is a planned insurance plan and a long-term policy that keeps on adding features with your (or your parents’) growing age. Once you have completed 4 claim-free years, many new features such as no capping on room rents and free health check-ups are unlocked. This policy is a good investment for people above the age of 50 as it allows you to lead a stress-free life with the help of a planned medical investment.

Critical illness Insurance Policy

This insurance policy offers lump-sum compensation in one single transaction to cover costs incurred during medical treatment of critical illness. The insurance policy also offers tax exemption under section 80D

When buying any insurance policy, it is important to consider which insurance policy can best cover yours and your family’s health care needs. Log on to https://www.hdfcergo.com/health-insurance.html and go through the features of each policy to find the best health insurance for you.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the sales.

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