HDFC ERGO My Health Medisure Prime Insurance
HDFC ERGO my health Medisure Prime Insurance is a unique 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 double sum assured for treatment of critical illnesses and coverage of pre existing diseases after 2 policy years.
Key Features
No medical test required for individuals under 45 yrs of age with a clean medical history
Pre-existing diseases covered from 3rd year
Assured renewal for lifetime
Double Sum Insured for treatment of Critical Illness like Cancer, First Heart Attack, Kidney Failure etc
Maternity expenses and new born baby cover
Lump-sum recovery benefit in case hospitalisation exceeds 10 continuous days
Reinstatement of Sum Insured in case of hospitalisation due to an accident
Benefits
- Hospitalisation expenses
- Day care procedures which do not require 24 hour hospitalisation
- Pre-hospitalisation expenses up to 60 days and Post-hospitalisation expenses up to 90 days
- Emergency ambulance charges up to Rs 1,500 per hospitalisation
- Double sum insured in case of a Critical Illness listed below
- Critical Illnesses covered are Cancer, Stroke, Major Organ Transplant, First Heart Attack, Kidney Failure, Multiple Sclerosis, Coronary Artery Bypass, Primary Pulmonary Arterial Hypertension, and Aorta Graft Surgery
- Hospitalisation due to an accident – When the Sum Insured has been used up, the same is restored in case of hospitalisation due to accident
- Maternity and new born baby cover – Up to 5% of Sum Insured or Rs 25,000 for normal delivery and 10% or Rs 50,000 for caesarean section
- Hospital cash benefit of Rs 1,000 per day from 4th day to 10th day
- Maximum Rs 500 per day for accompanying person from 4th day to 8th day of hospitalisation
- Recovery benefit of Rs 10,000 if hospitalisation is for 10 continuous days or more
- Treatment expenses of organ donor
- Family floater option to cover up to 4 members
- Family discount of 10% available
- No claim bonus of 5% every year up to a maximum of 50% of the Sum Insured
- Free health check-up after every 2 years for insured persons above 45 years of age
- Cashless decision within 6 business hours and within 8 hours in case of non-working hours
- 24 x 7 claims assistance
- Claims associate available on request in select cities
- Policy manager available in select cities to clarify any doubts and to explain the benefits
Variants
The plan is available in both types
- Individual
- Family Floater
Tax Benefit
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.
Eligibility
|
|
Minimum |
Maximum |
|
Coverage Amount (in Rs.) |
3,00,000 |
10,00,000 |
|
Policy Term (in years) |
1 |
2 |
|
Entry Age (in years) |
18 |
65 |
|
Renewable till Age (in years) |
- |
Life long |
Exclusions
- Pre-existing diseases for first 2 years
- First 2 year 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
- Domiciliary treatment (treatment taken at home)
- Suicide or self-inflicted injury
- Mental disorders, stress, anxiety or depression
- Alcohol or drug
- HIV / AIDS and related conditions
