HDFC Ergo Health Easy Health

HDFC Ergo Health Easy Health Insurance Policy

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 of HDFC Ergo Health Easy Health Insurance Policy

• Wide cover for treatment against illnesses and accident
• Additional cover for Critical illness (optional)
• Portability benefit – 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

Variants in HDFC Ergo Health Easy Health Insurance Policy

 There are three variants available in Apollo Munich Easy Health insurance policy. They are -

1. Easy Health Standard
2. Easy Health Exclusive
3. Easy Health Premium

 Type of plans available in HDFC Ergo Health Easy Health Insurance Plan

The plan is available in both types -

• Individual
• Family Floater

What is covered in HDFC Ergo Health Easy Health Insurance Policy?

• 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

Additional Benefits of HDFC Ergo Health Easy Health Insurance Policy

• Maternity expenses with a waiting period of 4 years (only in Easy Health Exclusive and Premium)
• Dental treatment expenses (only in Easy Health Premium)
• Expenses on Spectacles and Contact lenses (only in Easy Health Premium)
• Optional cover of critical illness can be availed by paying additional premium
• Cumulative bonus of 10% for every claim-free year

Eligibility and Restrictions of HDFC Ergo Health Easy Health Insurance Policy

• An individual and/or his spouse
• Dependent children
• Dependent parents

Tax Benefits in HDFC Ergo Health Easy Health Insurance Policy

 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 - What is not covered in HDFC Ergo Health Easy Health Insurance Policy?

• 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