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HDFC ERGO My Health Medisure Classic Insurance

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HDFC ERGO my health Medisure Classic Insurance Policy

HDFC ERGO my health Medisure Classic Insurance is a comprehensive health insurance policy that takes care of medical costs arising due to illness, accident or any injury. The policy offers some good features such as replenishment of sum assured, maternity and new-born baby cover and additional recovery benefit.
 

Key Features of HDFC ERGO my health Medisure Classic Insurance Policy

§  No limit on entry age

§  Reinstatement of Sum Insured (SI) in case of hospitalisation due to an accident

§  Pre-existing diseases covered after a 3 year waiting period

§  Lifelong renewals

§  Maternity and new-born baby cover

§  Additional recovery benefit when hospitalisation exceeds 10 continuous days


 

 

Type of plans available in HDFC ERGO my health Medisure Classic Insurance Policy

The plan is available in both types

Individual

Yes

Family Floater

Yes

Spouse

Yes

Dependent Children

Yes

No of Children

2 (up to the age of 23 years)

Parents

-

Blood Relatives

-

 

 

What is covered in HDFC ERGO my health Medisure Classic Insurance Policy?

 

Hospitalisation expenses

 

Room Rent

1% of SI subject to a maximum of Rs.4,000/day

ICU Rent

2% of SI subject to a maximum of Rs.6,000/day

Day care procedures

Covered

Domiciliary Hospitalisation

Covered

Reinstatement of Sum Insured

Yes – only if hospitalisation due to Accident

Maternity

Normal

Caesarean

Maximum of 10% of SI or Rs.20,000/-

20% of SI or Rs.40,000/- or actual, whichever is lower

New-born baby cover

Covered for 90 days from date of birth within the maternity limits

Pre-hospitalisation

30 days

Post-hospitalisation

60 days

Hospital Cash

Rs.500/ day from 4th - 10th day if hospitalisation exceeds 3 continuous days

Ambulance Charges

Up to Rs.1,500 per hospitalisation

Health Check up

Up to 1% of Average SI after every 4 continuous claim free policy years

Ayurvedic Treatment

Covered subject to a maximum limit of Rs.25,000 per policy year

Additional Benefit

Recovery benefit of Rs.5,000 if hospitalisation exceeds 10 continuous days

 

Add-ons or Riders (for extra premium)


Double Sum Insured for Critical Illness

Waiver of Room Rent Sub-limits

 

Additional Benefits of HDFC ERGO my health Medisure Classic Insurance Policy

 

Family Discount

10% if individual sum insured is opted for each family member 

Cumulative Bonus

Sum Insured increases by 5% on every renewal, for every claim-free year, subject to a maximum accumulation of 50% of your Sum Insured

Two Year Policy Option

Yes. Discount of 5% available on the combined premium for both years

Co-payment

10% for every claim or all insured above the age of 80 years

Cashless

Yes

 

Eligibility and Restrictions of HDFC ERGO my health Medisure Classic Insurance Policy

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

1,00,000 (Individual)

2,00,000 (Floater)

5,00,000

Policy Term (in years)

1

2

Entry Age (in years)

18

No limit

Renewable till Age (in years)

-

Life long

 

Tax Benefits

Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

 

Exclusions - What is not covered in HDFC ERGO my health Medisure Classic Insurance Policy?


§  Pre-existing diseases for first 3 policy years

§  First 2 years exclusion on diseases like Cataract, Hernia, Benign Prostatic Hypertrophy, Congenital Internal Diseases, Hysterectomy for Menorrhagia or Fibromyoma, Fistula in Anus, Piles, Sinusitis and related disorders

§  Any disease contracted during the first 30 days from the start of Policy

§  Diabetes and related complications

§  Hypertension and related complications

§  Domiciliary hospitalisation expenses in respect of certain ailments listed in the policy brochure

§  Genetic disorder

§  Dental treatment or surgery of any kind

§  Routine medical eye and ear examinations, cost of spectacles, laser surgery for cosmetic purposes, contact lenses or hearing aids

§  Suicide or self-inflicted injury

§  Treatment of any Mental illness, disorders, stress, anxiety or depression

§  Treatment required due to use of Alcohol, drug or any intoxicant

§  HIV / AIDS and related conditions

§  Other exclusions as listed in the policy brochure or wordings

 

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