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HDFC ERGO My Health Medisure Classic Insurance

HDFC ERGO my health Medisure Classic Insurance is a comprehensive health insurance policy that takes care of medical costs arising due to illness, accident or any injury. The policy offers some good features such as replenishment of sum assured, maternity and new-born baby cover and additional recovery benefit.

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No limit on entry age
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Lifelong renewals
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Pre-existing diseases
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Key Features

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No limit on entry age
Reinstatement of Sum Insured (SI) in case of hospitalisation due to an accident
Pre-existing diseases covered after a 3 year waiting period
Lifelong renewals
Maternity and new-born baby cover
Additional recovery benefit when hospitalisation exceeds 10 continuous days
What is covered in HDFC ERGO my health Medisure Classic Insurance Policy?
Hospitalisation expenses  
Room Rent 1% of SI subject to a maximum of Rs.4,000/day
ICU Rent 2% of SI subject to a maximum of Rs.6,000/day
Day care procedures Covered
Domiciliary Hospitalisation Covered
Reinstatement of Sum Insured Yes – only if hospitalisation due to Accident
Maternity Normal

Caesarean

Maximum of 10% of SI or Rs.20,000/-

20% of SI or Rs.40,000/- or actual, whichever is lower

New-born baby cover Covered for 90 days from date of birth within the maternity limits
Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Hospital Cash Rs.500/ day from 4th - 10th day if hospitalisation exceeds 3 continuous days
Ambulance Charges Up to Rs.1,500 per hospitalisation
Health Check up Up to 1% of Average SI after every 4 continuous claim free policy years
Ayurvedic Treatment Covered subject to a maximum limit of Rs.25,000 per policy year
Additional Benefit Recovery benefit of Rs.5,000 if hospitalisation exceeds 10 continuous days
Add-ons or Riders (for extra premium)
  • Double Sum Insured for Critical Illness
  • Waiver of Room Rent Sub-limits

Benefits

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Additional Benefits of HDFC ERGO my health Medisure Classic Insurance Policy
Family Discount 10% if individual sum insured is opted for each family member
Cumulative Bonus Sum Insured increases by 5% on every renewal, for every claim-free year, subject to a maximum accumulation of 50% of your Sum Insured
Two Year Policy Option Yes. Discount of 5% available on the combined premium for both years
Co-payment 10% for every claim or all insured above the age of 80 years
Cashless Yes

Variants

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Individual Yes
Family Floater Yes
Spouse Yes
Dependent Children Yes
No of Children 2 (up to the age of 23 years)
Parents -
Blood Relatives -

Tax Benefit

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Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

Eligibility

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  Minimum Maximum
Coverage Amount (in Rs.) 1,00,000 (Individual)

2,00,000 (Floater)

5,00,000
Policy Term (in years) 1 2
Entry Age (in years) 18 No limit
Renewable till Age (in years) - Life long

Exclusions

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  • Pre-existing diseases for first 3 policy years
  • First 2 years exclusion on diseases like Cataract, Hernia, Benign Prostatic Hypertrophy, Congenital Internal Diseases, Hysterectomy for Menorrhagia or Fibromyoma, Fistula in Anus, Piles, Sinusitis and related disorders
  • Any disease contracted during the first 30 days from the start of Policy
  • Diabetes and related complications
  • Hypertension and related complications
  • Domiciliary hospitalisation expenses in respect of certain ailments listed in the policy brochure
  • Genetic disorder
  • Dental treatment or surgery of any kind
  • Routine medical eye and ear examinations, cost of spectacles, laser surgery for cosmetic purposes, contact lenses or hearing aids
  • Suicide or self-inflicted injury
  • Treatment of any Mental illness, disorders, stress, anxiety or depression
  • Treatment required due to use of Alcohol, drug or any intoxicant
  • HIV / AIDS and related conditions
  • Other exclusions as listed in the policy brochure or wordings