Uncertainties and unfortunate events can catch you off guard and unprepared in form of illness and injuries. The escalating medical treatment and recuperating costs add more pain to injury by draining your savings. Now be prepared with for those
ill-fated times with an extensive medical coverage that lets you focus on the health recovery of you and your loved ones without making you torment about the finances.
Get a comprehensive health insurance plan with a diversified portfolio of services from the best health insurance policy online with HDFC ERGO’s Health Suraksha with Regain and ECB.
HDFC ERGO comprehends your needs of a secure and healthy future that guarantees coverage in case of medical exigencies while befitting your budget well. Health Suraksha with Regain and ECB Plan acts as your companion in emergencies and provides a
comprehensive medical insurance plan that offers coverage for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses.
With Health Suraksha with Regain and ECB insurance plan, you can avail the additional benefits of automatic availability of sum insured upon its exhaustion. Our seamless services offer you financial security with no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.
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Regain benefit provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year
|Schedule of Benefits - Individual & Family Floater|
|Basic Sum Insured per Policy Year||Rs. 3lacs, Rs. 4lacs, Rs. 5lacs, Rs. 7.5lacs & Rs. 1lac|
|In-patient Treatment||Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured|
|Pre-hospitalization||Medical costs incurred during 60 days prior to hospitalization are reimbursed|
|Post-hospitalization||Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed|
|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|
|Organ Donor||Medical costs for harvesting an organ donated are reimbursed|
|Emergency Ambulance (Limit per hospitalization)||Upto Rs. 2,000 for SI 3lacs, 4lacs & 5lacs AND Rs 3,500 for SI 7.5lacs & 1000000 reimbursed as ambulance expense during an emergency|
|AYUSH Benefit||Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed upto Sum Insured|
|Health Check Up||Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutive claim-free years|
|Regain Benefits||provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus ) during the policy year|
|Enhanced Cumulative Bonus||The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim|
|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%|