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HDFC ERGO Health Suraksha
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
Sum Insured – Individual (Rs.)
Sum Insured – Family Floater (Rs.)
Maximum Renewal Age
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
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
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