HDFC ERGO Health Suraksha
HDFC ERGO Health Suraksha is a comprehensive health insurance plan that covers in-patient treatment cost, pre and post hospitalization expenses with no sub-limits on disease, hospital room rents, doctor’s fees and hospital charges.
Key Features
Covers medical expenses for hospitalization due to an illness or accident. The medical expenses for room rent, boarding expenses, nursing, intensive care unit, medical practitioner(s), medicines or drugs and other related expenses will be paid.
The medical expenses incurred due to an illness in 60 days immediately before the insured person was hospitalized
The medical expenses incurred in 90 days immediately after the insured person was discharged post hospitalization
The medical expenses for 144 day care procedures which do not require 24 hours hospitalization.
The medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalization.
The medical expenses for an organ donor's treatment in the event of organ transplantation
Expenses covered for utilizing ambulance service for transporting insured person to hospital
Every claim-free year is subject to an increase in the Sum Insured amount by 5% (of the basic sum insured); up to a maximum of 50% increase of the sum insured.
- 10% discount if the policyholder pays for a 2-year tenure of the policy
- Family Discount of 10% if 2 or more family members are covered under Health Suraksha on Individual Sum Insured basis
Benefits
up to 1% of Sum Insured, maximum up to Rs. 5,000 for a Health Checkup after 4 consecutive claim-free year.
If the policy holder is not convinced with the Terms and Conditions of the policy, then h/she can cancel the policy within 15 days of receipt of policy document.
Tax Benefit
- For Individuals - Tax exemption up to a sum of Rs. 25,000
- For Senior Citizens - Tax exemption up to a sum of Rs. 30,000
Eligibility
| Minimum | Maximum | |
| Sum Insured – Individual (Rs.) | 3,00,000 | 10,00,000 |
| Sum Insured – Family Floater (Rs.) | 3,00,000 | 10,00,000 |
| Entry Age | 91 days | No Limit |
| Maximum Renewal Age | - | Lifetime |
| Policy Term | 1 year | 2 years |
Exclusions
- A 30 day waiting period for claims
- 2 years waiting period for Particular Diseases and Treatment such as surgery on tonsils and sinuses, cysts, internal tumor etc.
- Preexisting conditions are not covered unless the insured is covered for 48 months
- In case of war or any sort of armed conflicts
- Violation of any law with an intent of crime
- Injuries caused due to an act of self-destruction, suicide or suicide attempts
- Radioactivity or war, terrorist activities
- HIV/AIDS
- Claims for illness that may arise due to intoxication of alcohol and drugs
- Plastic or cosmetic surgery unless performed as an internal part of the treatment
- Vaccinations including inoculation and immunizations taken for preventive measures
