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HDFC Ergo Health Easy Health Family

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.

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Pre and Post hospitalisation
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Health check-up
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Daily cash
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Key Features

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Coverage option

Coverage option from 2 lacs to 10 lacs for treatment against illnesses and accident.

Optional cover

Optional cover or Critical illness can be added to offer wider protection.

Existing health policy

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

Pre and Post hospitalisation covered

In patient treatment

In patient treatment (hospitalisation) expenses

Day care procedures

Day care procedures which do not require 24-hours hospitalisation such as X-ray, Chemotherapy, Radiotherapy, operation of cataract or tonsils, etc

Diagnostic procedures

Diagnostic procedures, lodging, ICU, operation theatre, anesthesia, blood, oxygen, medicines, drugs & consumables, surgical appliances, prosthetics and other devices implanted internally

Organ donor

Expenses for organ donor of transplant

Daily cash

Daily cash for accompanying an insured child (covered in exclusive and premium plan only)

Emergency ambulance

Emergency ambulance charges – up to Rs. 2000

Health check-up

Health check-up expenses after a certain claim-free period

Benefits

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Maternity expenses

Maternity expenses with a waiting period of 4 years (only in Easy Health Exclusive and Premium)

Dental treatment expenses

Dental treatment expenses (only in Easy Health Premium)

Expenses on Spectacles

Expenses on Spectacles and Contact lenses (only in Easy Health Premium)

Optional cover of critical illness

Optional cover of critical illness can be availed by paying additional premium

Cumulative bonus

Cumulative bonus of 10% for every claim-free year

Family floater policy will cover
  • An individual and/or his spouse
  • Dependent children
  • Dependent parents

Variants

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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

Tax Benefit

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This plan offers tax benefits for the premiums as a deduction from the taxable income under section 80D of the Income Tax Act.

Eligibility

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  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

Exclusions

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  • 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