HDFC ERGO Health Suraksha Top Up plan is designed to help
you deal with different kinds of medical emergencies over a period of time. This
plan is crafted to provide additional coverage in the event of prolonged illness
or a major accident, thus keeping you protected under all circumstances. Under this
plan risk initiates when the exhaustion of deductible* happens as multiple claims
consuming the deductible amount in multiple hospitalizations/conditions/claims etc.
Claims under this policy shall be payable only if the aggregate
of covered medical expenses in respect to hospitalizations) of insured person exceeds
the deductible applicable on per policy year basis.
WHAT IS NOT COVERED:
*Deductible means a cost-sharing requirement under a health
insurance policy that provides that we will not be liable for a specified rupee
amount (as opted and mentioned in policy schedule. On individual basis in case of
individual policy and on family floater basis in case of family floater policy)
of the covered expenses, which will apply before any benefits are payable by us.
A deductible does not reduce the sum insured.
TERMS & CONDITIONS