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Review of HDFC Ergo Health Easy Health Family Insurance Policy
Apollo Easy Health Family insurance is one the popular health insurance plans because of the wide coverage offered by the company. The plan covers hospitalisation expenses, day care procedures, domiciliary treatment, maternity expenses and a lot many expenses. The plan also provides the option to add a critical illness cover thereby providing an end-to-end cover.
Our Advice – Apollo Munich Insurance has spent considerable time to design a policy that provides more than adequate coverage to its customers. It covers the entire family at affordable premiums, by providing a cover against any unforeseen medical expenses or emergencies.
Key Features of HDFC Ergo Health Easy Health Family Insurance Policy
§ Coverage option from 2 lacs to 10 lacs for treatment against illnesses and accident
§ Optional cover for Critical illness can be added to offer wider protection
§ Existing health policy with another company can be shifted to Apollo Easy Health on renewal along with most of your accrued benefits (Portability benefit)
§ Pre and Post hospitalisation covered
Variants in HDFC Ergo Health Easy Health Family Insurance Policy
There are three variants available in HDFC Ergo Health Easy Health Family Policy. They are -
1. Easy Health Standard
2. Easy Health Exclusive
3. Easy Health Premium
What is covered in HDFC Ergo Health Easy Health Family Insurance Policy?
§ In patient treatment (hospitalisation) expenses
§ Pre-hospitalisation and Post-hospitalisation expenses
§ Day care procedures which do not require 24-hours hospitalisation such as X-ray, Chemotherapy, Radiotherapy, operation of cataract or tonsils, etc
§ 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)
§ 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 Family 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 Family Insurance Policy
|
|
Minimum |
Maximum |
|
Coverage Amount (in Rs.) |
2,00,000 |
10,00,000 |
|
Policy Term (in years) |
1 |
1 |
|
Entry Age (in years) |
5 |
60 |
|
Renewable till Age (in years) |
- |
Life long |
|
Critical Illness Rider available up to age |
- |
70 |
Family floater policy will cover
§ An individual and/or his spouse
§ Dependent children
§ Dependent parents
Tax Benefits
This plan offers tax benefits for the premiums as a deduction from the taxable income under section 80D of the Income Tax Act.
Exclusions - What is not covered in HDFC Ergo Health Easy Health Family Insurance Policy?
§ Treatments 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
