HDFC ERGO Health Suraksha Gold
HDFC ERGO Health Suraksha Gold, 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, doctors fees and hospital charges.
Key Features
No limit for age at entry
AYUSH cover available without any sub limit
Maternity Benefit available after a waiting period of 4 Yrs along with New Born baby cover
Convalescence benefit provided if the period of hospitalization has exceeded 10 consecutive and continuous days
E- opinion provided upon diagnosis of a Critical Illness
No Sub-limits on any disease, room rent, hospital charges and doctor fees
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 Hospital
Individual and Family Floater option
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.
Coverage period - one year or two years
Tax Benefit
- 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
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 |
Exclusions
- Any treatment within first 30 days of cover except any accidental injury
- Maternity waiting period of 4 yrs
- Pre-existing conditions will not be covered for first 48 months
- 24 Months waiting period for specified illnesses & treatments
- Expenses arising from HIV or AIDS and related diseases.
- Mental disorder or insanity, cosmetic surgery, weight control treatment
- Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
- Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
- Pregnancy, dental and external aids and appliances unless covered under specific Plans
- Terrorist activities, radioactivity or war
