Health is the most valuable asset that every individual owns. Life is full of uncertainties and highly unpredictable, so it’s best to stay guarded with an appropriate health insurance cover. Medical treatments nowadays are very expensive
and can easily drain out all the savings of a person if he is not insured. When a member of family is hospitalized, it’s a tough time for everybody and treatment expenses, only add to the misery. Thus it’s wise and logical to buy
a health policy that yields you maximum benefits in crucial times.
HDFC ERGO's Health Suraksha Gold is an economical plan that provides a 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.
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 united in tough times without being worried about the financial expenses at all.
(Sum Insured / Annum: Individual: 3 lacs,4 lacs,5 lacs,7.5 lacs & 1 lac) (Sum Insured/Annum: Family Floater: 3 lacs,4 lacs, 5 lacs, 7.5 lacs & 1 lac)
|In-patient Treatment||Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured.We will pay for the medical expenses for Room rent, boarding expenses, Nursing, Intensive care unit, Medical Practitioner, Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, Medicines, drugs and consumables, Diagnostic procedures, Cost of prosthetic & other devices or equipments if implanted internally during a Surgical Procedure|
|Pre-hospitalization||The Medical Expenses incurred due to an Illness in 60 days immediately before the Insured Person was hospitalized.|
|Post-hospitalization||The Medical Expenses incurred in 90days immediately after the Insured Person was discharged post Hospitalization,|
|Day Care Procedures||Expenses for 144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed|
|Domiciliary Treatment||The Medical Expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required Hospitalization on the advice of the attending Medical Practitioner, if the Insured Person could not be transferred to a Hospital or a Hospital bed was unavailable are reimbursed upto the policy sum insured|
|Organ Donor||The Medical Expenses for an organ donor’s treatment in the event of organ transplantation for harvesting an organ donated are reimbursed Upto the policy Sum Insured|
|Emergency Ambulance (Limit per hospitalization)||Upto Rs. 2,000 for SI 300000,400000,500000 & Upto Rs . 3500 for SI 750000 & 1000000 reimbursed as ambulance expense during an emergency|
|AYUSH||Covers inpatient hospitalization expenses under Ayurvedic, Unani, Sidha & Homeopathy Upto the policy Sum Insured|
|New Born Baby||Covers In patient medical expenses of the new born baby within 90 days after the birth.|
|Maternity with Waiting Period of 4 Years||Expenses related to Normal Delivery Rs 15,000 & LSCS Rs 25,000/Termination Rs
(The maternity Includes Pre/Post Natal limit of upto Rs 1,500 and New Born limit of upto Rs2,000, New Born baby covered)
|E Opinion for Critical Illness||If an Insured Person suffers a Critical Illness during the Policy Period then We will arrange a second opinion from a Medical Practitioner selected by the Insured Person from Our panel. The second opinion will be based only on the information and documentation provided to the Medical Practitioner by or on behalf of the Insured Person, and the second opinion will be sent directly to the Insured Person by the Medical Practitioner.|
|Convalescence Benefit||If the period of hospitalization has exceeded 10 consecutive and continuous days, then We will pay a lump-sum amount towards convalescence , Maximum 1 % of Sum Insured and upto Rs 10,000 only|
|Cumulative Bonus (CB)||5% of the Basic Sum Insured every claim free year subject to a maximum of 50% of the basic sum insured. CB will be reduced by 5% of the basic sum insured in case of a claim.|
|Health check Up||We will offer health checkup only once at the end of continuous four claim free years during which You have been insured with Us. Our maximum liability will be subject to 1% of the Sum Insured for this Policy Year or the subsequent Policy Years upto a maximum of Rs 5,000. In case of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.|
* 100% medical cost will be borne by HDFC ERGO in all PPC cases where the proposals have been accepted.
|All types of Vehicles with no claim made or pending during the previous:||NCB% on own damage premium for one year policy|
|1 Full year of insurance||20%|
|2 consecutive years of insurance||25%|
|3 consecutive years of insurance||35%|
|4 consecutive years of insurance||45%|
|5 consecutive years of insurance||50%|
|Exceeding 6 months, but less than 1 year||15%|
|Exceeding 1 years but less than 2 years||20%|
|Exceeding 2 years but less than 3 years||30%|
|Exceeding 3 years but less than 4 years||40%|
|Exceeding 4 years but less than 5 years||50%|