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HDFC ERGO Health Suraksha

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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 HDFC ERGO Health Suraksha

  • Comprehensive policy at affordable premiums
  • No pre-policy medical check-up required up to the age of 45 years
  • Avail Cumulative Bonus at the end of each claim-free year
  • AYUSH (non allopathic) cover available 
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees


 


What is covered in HDFC ERGO Health Suraksha?

  • In-patient Treatment - 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.
  • Pre-Hospitalization - The medical expenses incurred due to an illness in 60 days immediately before the insured person was hospitalized
  • Post-Hospitalization - The medical expenses incurred in 90 days immediately after the insured person was discharged post hospitalization
  • Day Care Procedures - The medical expenses for 144 day care procedures which do not require 24 hours hospitalization.
  • Domiciliary Treatment - The medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalization.
  • Organ Donor - The medical expenses for an organ donor's treatment in the event of organ transplantation
  • Emergency Ambulance - Expenses covered for utilizing ambulance service for transporting insured person to hospital
  • Ayush - medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy 
  • Cumulative Bonus - 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.
 




Additional Benefits/Features of HDFC ERGO Health Suraksha

  • Discount on Health checkup – up to 1% of Sum Insured, maximum up to Rs. 5,000 for a Health Checkup after 4 consecutive claim-free year.
  • Cashless Treatment at Network Hospitals
  • Individual and Family Floater option
  • Tax Benefit under section 80D
  • Free look – 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.


Eligibility criteria in HDFC ERGO Health Suraksha

  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 - What is not covered in HDFC ERGO Health Suraksha?

  • 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


Discounts under HDFC ERGO Health Suraksha

  • 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


Tax Benefits

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

 

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