MyInsuranceClub > Health Insurance > HDFC Ergo Health Suraksha

HDFC Ergo Health Suraksha

Tweet
14 Comments
3,739 Views

HDFC ERGO Health Suraksha Insurance Policy

HDFC Ergo Health Suraksha is a health insurance plan which is designed to cover medical treatment expenses, including the pre and post hospitalisation costs. There are 2 options available – it can be purchased for an individual or for the entire family.

Key Features of HDFC ERGO Health Suraksha Insurance Policy

No medical check-up required till the entry age of 45 years
Option of an annual policy term or 2 years term
Covers non-allopathic in-patient expenses
Cashless claim facility available across 4000+ hospitals in India
Family discount of 10% available

What is covered in HDFC ERGO Health Suraksha Insurance Plan?

Hospital room rent and boarding expenses
Doctors’ fees, nursing, ICU, medicines or drugs
Expenses for medical treatment taken at home, on the advice of physician
Expenses for organ donor of transplant
Pre-hospitalisation – medical expenses incurred 60 days before hospitalisation
Post-hospitalisation- medical expenses incurred 90 days after the hospitalisation
Day-care procedures- pays for medical expenses for 141 days day care procedures which do not require 24 hours hospitalisation
Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy

Additional Benefits of HDFC ERGO Health Suraksha Policy

Cumulative bonus of 5% for every claim-free year
Cost of health check done after 4 claim free years is reimbursed

Eligibility and Restrictions of HDFC ERGO Health Suraksha Policy

	Minimum	Maximum
Coverage Amount (in Rs.)	2,00,000	4,00,000
Policy Term (in years)	1	2
Entry Age (in years)	5	65

Family floater policy will cover

An individual and/or his spouse
Dependent children
Dependent parents

Exclusions - What is not covered in HDFC ERGO Health Suraksha Policy?

All treatments except within first 30 days, exceptions – accidental case
Pre-existing conditions for first 4 yrs
HIV, AIDS and related diseases
Mental disorder, insanity, cosmetic surgery & weight control treatments
Abuse of drugs, alcohol, hallucinogens, intoxicant
Hospitalisation due to war
Pregnancy, dental unless specific plan taken
2 yrs exclusion for specific diseases

Alternate health insurance plans from other insurance companies

ICICI Lombard Family Floater Health Insurance

Oriental Insurance Mediclaim

Reliance Healthwise

Star Health Medi Classic

Other Health plans from HDFC ERGO

HDFC ERGO Critical Illness

Note: This is a statement of facts based on the information collected from the HDFC Ergo Health Suraksha brochure and insurance company's website. It should not be construed as a Critical or Favourable HDFC Ergo Health Suraksha Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.

14 Responses to "HDFC Ergo Health Suraksha"

Dear nilesh thanks for u Do not take HDFC Ergo policy at any cost. There are so many hidden things that you never expect.

By arunkumar on Dec 22, 2011

pls call 09418935200.before debit money from account.
regds
sunilpatyal

By SUNILSINGH PATYAL on Nov 27, 2011

pls call 09418935200.before debit money from account.
regds
sunilpatyal

By SUNILSINGH PATYAL on Nov 27, 2011

Do not take HDFC Ergo policy at any cost. There are so many hidden things that you never expect.

By Nilesh on Nov 23, 2011

I am 62 years and my wife is 55. I want a suitable Health Policy.

By Prem Lal Sharma on Nov 10, 2011

good

By ramesh jalli on Oct 30, 2011

I have a mediclaim policy from a Public sector insurance company since last couple of years.
I wish to consider the relevant premium if I take the policy from other insurer. Kindly advise me the date you wish to have for quoting the terms of th policy.

By V.J. Shah on Oct 16, 2011

I AM 37 YRS OLD MY WIFE IS 31 YRS OLD CHILD IS 1 YRS OLD WHICH POLICY I HAVE TO TAKE PLS SUGGEST

By MUKESH JAIN on Oct 12, 2011

need same policy for the group min 3 family

By Mukul thorat on Jun 17, 2011

I am 72 years.my wife is 67 years.
My son 40 years.Daughter in law 35 years
Wish to know which policy suits our needs.
Thank you for your early reply.

By nagaraj subbarao on May 11, 2011

I am 63years old and my spouse is 62 years.Do you have anything for us.Please let us know.

Thanks

By T J Dcruz on Apr 30, 2011

Dr. Sharad, this policy can be purchased offline also. The premium rates would be the same.

By MyInsuranceClub on Jan 24, 2011

Sir/Mam, hello, I am resident of bundi(rajasthan

By DR SHARAD GAGRANI on Jan 21, 2011

This is a good health insurance policy. Covers major concerns of customers. I liked it.

By Salim N on Jan 05, 2011

Share your views on this policy

... let others benefit from your inputs

Name*	Email*
Message*

Know more about this policy

Date of Birth

I agree to the Terms & Conditions
and Privacy Policy.