HDFC Ergo Health Easy Health
HDFC Ergo Health Easy Health Insurance Policy is a basic health insurance policy which covers medical expenses incurred by a person due to any illness, injury or accident. There are 2 options available – it can be purchased for an individual or for the entire family. In case of a family plan – any single member can also avail the entire insured sum amount.
Key Features
Wide cover for treatment against illnesses and accident
Existing health policy with another company can be shifted to Apollo Easy Health on renewal along with most of your accrued benefits
Get coverage before, during and after hospitalisation
Additional cover for Critical illness (optional)
Benefits
Hospital room accommodation – on a shared basis
Diagnostic procedures, lodging, ICU, operation theatre, anesthesia, blood, oxygen, medicines, drugs & consumables, surgical appliances, prosthetics and other devices implanted internally
Expenses for organ donor of transplant
Daily cash for accompanying an insured child (covered in exclusive and premium plan only)
Also covers many day care procedures which do not require 24-hours hospitalisation such as X-ray, Chemotherapy, Radiotherapy, operation of cataract or tonsils, etc
Pre-hospitalisation and Post-hospitalisation expenses
Emergency ambulance charges – up to Rs. 2000
Health check-up expenses after a certain claim-free period
Maternity expenses with a waiting period of 4 years (only in Easy Health Exclusive and Premium)
Dental treatment expenses (only in Easy Health Premium)
Variants
There are three variants available in Apollo Munich Easy Health insurance policy. They are -
- Easy Health Standard
- Easy Health Exclusive
- Easy Health Premium
Tax Benefit
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.
Exclusions
- All treatments except within first 30 days, exceptions – accidental case
- Pre-existing conditions for first 3 yrs
- HIV, AIDS and related diseases
- Non-allopathic treatment, congenital diseases, mental disorder, insanity, cosmetic surgery, weight control treatments
- Abuse of drugs, alcohol, hallucinogens, intoxicant – not covered
- Hospitalisation due to war
- Pregnancy, dental unless specific plan taken
- 2 yrs exclusion for: cataract, hernia, hysterectomy, Joint Replacement, Hydrocele
