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

Tax Benefit under section 80D*
No Medical Check-up upto 45 years
No sub-limits on any disease, room rent, hospital charges and doctor fees
Cashless Treatment at Network Hospital
5% bonus on Sum Insured for every claim-free year
No limit for age at entry
Offers one year or two years policy coverage period
Option to cover on individual sum insured basis and on family floater basis
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
Life Long Renewability
  (* Subject to the change in Tax Laws)
Children below 5 years would be covered provided both the parents are covered under our policy.


PREMIUM TABLE (Inclusive of 14% Service Tax & 0.5% Swachh Bharat Cess)
Sum Insured - 300,000 1 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 2,764 - - - - -
18-35 3,792 5,688 7,346 9,005 4,968 6,714
36-45 4,564 6,846 8,504 10,163 5,586 7,293
46-50 7,074 10,611 12,203 13,423 7,385 8,519
51-55 8,489 12,734 14,643 16,108 8,851 10,140
56-60 10,187 15,280 17,572 19,330 10,637 11,701
61-65 14,261 21,392 23,959 26,098 14,753 16,288
66-70 19,253 28,879 31,768 34,077 19,916 21,908
71-75 25,992 38,987 41,912 44,445 26,887 29,576
76-80 33,789 50,683 53,725 56,258 34,953 38,449
>80 40,885 61,327 64,394 66,846 42,294 46,522
2 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 4,975 - - - - -
18-35 6,826 10,239 13,223 16,210 8,943 12,086
36-45 8,215 12,323 15,307 18,293 10,056 13,127
46-50 12,733 19,099 21,966 24,161 13,293 15,334
51-55 15,280 22,920 26,358 28,994 15,932 18,252
56-60 18,337 27,504 31,630 34,794 19,147 21,061
61-65 25,670 38,506 43,126 46,976 26,556 29,211
66-70 34,656 51,983 57,182 61,339 35,849 39,435
71-75 46,785 70,177 75,441 80,002 48,396 53,238
76-80 60,820 91,230 96,704 101,265 62,916 69,208
>80 73,592 110,389 115,909 120,323 76,129 83,740


Sum Insured - 400,000 1 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 3,456 - - - - -
18-35 4,740 7,110 9,244 11,554 6,355 8,579
36-45 5,706 8,558 10,697 12,837 7,060 9,178
46-50 8,843 13,264 15,254 16,779 9,232 10,649
51-55 10,611 15,917 18,304 20,135 11,063 12,674
56-60 12,734 19,100 21,966 24,162 13,296 14,625
61-65 17,827 26,740 29,949 32,623 18,441 20,285
66-70 24,067 36,100 39,710 42,597 24,894 27,385
71-75 32,489 48,735 52,389 55,557 33,609 36,970
76-80 42,237 63,354 67,155 70,324 43,692 48,061
>80 51,106 76,659 80,492 83,559 52,867 58,153
2 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 6,220 - - - - -
18-35 8,533 12,799 16,638 20,798 11,439 15,443
36-45 10,270 15,404 19,254 23,106 12,708 16,521
46-50 15,917 23,875 27,457 30,202 16,618 19,167
51-55 19,099 28,650 32,947 36,243 19,913 22,813
56-60 22,920 34,380 39,538 43,491 23,932 26,325
61-65 32,088 48,133 53,908 58,722 33,194 36,513
66-70 43,320 64,979 71,478 76,675 44,812 49,293
71-75 58,481 87,722 94,301 100,002 60,497 66,546
76-80 76,026 114,037 120,880 126,582 78,646 86,510
>80 91,991 137,986 144,886 150,406 95,160 104,676


Sum Insured - 500,000 1 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 4,146 - - - - -
18-35 5,688 8,533 11,093 13,866 7,626 10,295
36-45 6,846 10,270 12,837 15,404 8,472 11,014
46-50 10,611 15,917 18,304 20,135 11,078 12,778
51-55 12,734 19,100 21,966 24,162 13,276 15,209
56-60 15,280 22,921 26,358 28,994 15,956 17,551
61-65 21,392 32,089 35,939 39,148 22,129 24,343
66-70 28,879 43,319 47,651 51,116 29,874 32,863
71-75 38,987 58,481 62,867 66,669 40,330 44,364
76-80 50,683 76,026 80,587 84,388 52,430 57,674
>80 61,327 91,990 96,590 100,270 63,440 69,784
2 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 7,463 - - - - -
18-35 10,239 15,359 19,967 24,959 13,726 18,530
36-45 12,323 18,485 23,106 27,727 15,249 19,825
46-50 19,099 28,650 32,947 36,243 19,940 23,001
51-55 22,920 34,380 39,538 43,491 23,897 27,376
56-60 27,504 41,257 47,444 52,189 28,720 31,591
61-65 38,506 57,760 64,691 70,466 39,833 43,817
66-70 51,983 77,974 85,773 92,009 53,774 59,153
71-75 70,177 105,266 113,161 120,004 72,595 79,856
76-80 91,230 136,846 145,057 151,898 94,373 103,813
>80 110,389 165,583 173,862 180,486 114,192 125,612


Sum Insured - 750,000 1 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 5,390 - - - - -
18-35 7,394 11,093 14,420 18,025 9,913 13,384
36-45 8,900 13,350 16,687 20,025 11,014 14,317
46-50 13,795 20,692 23,795 26,175 14,402 16,613
51-55 16,553 24,830 28,555 31,411 17,259 19,772
56-60 19,865 29,796 34,265 37,692 20,742 22,815
61-65 27,810 41,715 46,721 50,892 28,768 31,646
66-70 37,543 56,315 61,947 66,451 38,837 42,721
71-75 50,683 76,026 81,728 86,668 52,430 57,674
76-80 68,423 102,634 108,792 113,924 70,780 77,859
>80 86,897 130,346 136,863 142,076 89,892 98,881
2 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 9,701 - - - - -
18-35 13,310 19,967 25,956 32,444 17,844 24,091
36-45 16,020 24,029 30,037 36,045 19,825 25,771
46-50 24,831 37,246 42,832 47,114 25,923 29,903
51-55 29,796 44,695 51,399 56,539 31,065 35,598
56-60 35,756 53,633 61,677 67,846 37,335 41,067
61-65 50,058 75,086 84,097 91,605 51,783 56,962
66-70 67,578 101,366 111,504 119,912 69,907 76,898
71-75 91,230 136,846 147,110 156,003 94,373 103,813
76-80 123,161 184,742 195,826 205,063 127,405 140,146
>80 156,415 234,622 246,353 255,737 161,805 177,986


Sum Insured - 10,00,000 1 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 6,634 - - - - -
18-35 9,102 13,652 17,748 22,184 12,201 16,472
36-45 10,953 16,431 20,538 24,645 13,555 17,622
46-50 16,978 25,467 29,287 32,216 17,725 20,446
51-55 20,374 30,560 35,145 38,659 21,241 24,335
56-60 24,448 36,672 42,174 46,391 25,528 28,081
61-65 34,227 51,342 57,502 62,636 35,407 38,948
66-70 46,208 69,311 76,242 81,787 47,799 52,580
71-75 62,380 93,569 100,587 106,669 64,530 70,982
76-80 84,212 126,319 133,899 140,214 87,115 95,826
>80 106,950 160,425 168,447 174,863 110,636 121,699
2 Year Policy
Age 1A 2A 2A1C 2A2C 1A1C 1A2C
0-17 11,941 - - - - -
18-35 16,383 24,573 31,946 39,932 21,962 29,650
36-45 19,716 29,575 36,968 44,361 24,398 31,719
46-50 30,561 45,841 52,716 57,988 31,904 36,803
51-55 36,673 55,008 63,260 69,586 38,234 43,802
56-60 44,006 66,010 75,913 83,503 45,950 50,546
61-65 61,609 92,415 103,503 112,745 63,732 70,107
66-70 83,174 124,761 137,236 147,217 86,039 94,643
71-75 112,283 168,425 181,057 192,005 116,154 127,768
76-80 151,582 227,374 241,017 252,386 156,807 172,487
>80 192,510 288,765 303,204 314,754 199,144 219,058

WHAT IS COVERED

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 144 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

WHAT IS NOT COVERED:

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

CLAIMS PROCESS

Incase of hospitalization, intimation should be provided to the Company immediately and
  not later than 7 days
In all other cases, the Company 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 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 15 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.
Liability of the Company does not commence until the Company has accepted the proposal and
  full premium has been paid.
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.

FREELOOK

You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If You have any objections to any of the terms and conditions, You have the option of cancelling the Policy stating the reasons for cancellation and You will be refunded the premium paid by You after adjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium. You can cancel Your Policy only if You have not made any claims under the Policy. All Your rights under this Policy will immediately stand extinguished on the free look cancellation of the Policy. Free look provision is not applicable and available at the time of renewal of the Policy.

For details, kindly refer to Policy Wordings.


HDFC ERGO General Insurance Company Limited
Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg,
Churchgate, Mumbai - 400020
Customer Service Address : 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059 
Toll-free No. 1800 2 700 700 (Accessible from India only.) Fax: 91-22-6638 3699
E-mail care@hdfcergo.com Website www.hdfcergo.com

For more details on risk factors, terms & conditions, please read the sales brochure before concluding a sale. Insurance is the subject matter of solicitation. Trade Logo displayed above belongs to HDFC Ltd. and ERGO International AG and used by HDFC ERGO General Insurance Company under license. CIN : U66010MH2002PLC134869. UIN : IRDA/NL-HLT/HDFC-ERGOGI/P-H/ V.II/158/13-14. IRDAI Reg No. 125. UID No. 841