With the increase in the shift towards lifestyle diseases, healthcare today is at its all-time-high when it comes to treatment costs. In the event of an unforeseen illness, you may have no option but to utilize your hard earned savings steadily built throughout your life time.
With HDFC ERGO's Health Suraksha, you're provided an optimal coverage for your treatments including all pre and post hospitalization costs. Now make sure that you use your hard-earned savings for the real reasons - Be it your child's higher education or his/her dream wedding, a well deserved family vacation or just about anything you dreamt of all your life!
Benefits:
Optimal Coverage at an
affordable price
Option to cover on Individual or Family
Floater Basis
Option to opt for an annual or two year
policy
Cumulative Bonus for each claim free
year
Provides Cost of Health Check up after
4 claim free years
Cashless Claims Service across India
at 4,200+ network hospital
Income Tax Benefit Under Section 80D
of the Income Tax Act
Hassle free Claims Process with minimum documentation and turn around times
Coverage :
Health
Suraksha - Individual & Family Floater Sum Insured
Plan
Silver
Basic Sum Insured
per Insured Person per Policy Year
100000;200000; 300000
400000;
Section
1: Benefits below will subject to Basic Sum Insured and any claim
under them will affect entitlement to Renewal Incentive
1.1 In-patient
Treatment
Covered
1.2 Pre-hospitalization
60 days
60 days
1.3 Post-hospitalization
90 days
90 days
1.4 Day Care
Procedures
Covered
1.5 Domiciliary
Treatment
Covered
Section
2: Additional Benefits, will subject to Basic Sum Insured and any
claim under them will affect entitlement to Renewal Incentive
2.1 Organ Donor
Covered
2.2 Emergency
Ambulance
Rs. 2,000
Rs. 2,000
Limit per hospitalisation
2.3 Ayurvedic
/ Homeopathic
20% of Sum Insured;
Maximum Rs. 20,000
20% of Sum Insured;
Maximum Rs. 25,000
Section
6: Renewal Incentive
6.1 Cumulative
Bonus
5% of
Sum Insured; Maximum 50% [Reduced by 10% in the event of claim]
6.2 Health checkup
Upto
1% of Sum Insured; Max Rs. 5000
Policy Renewal
It is important to renew your health insurance to avail of the cumulative bonus and continuation benefits against the pre-existing illness from the previous policy.
Click here to Renew your Health insurance policy Online.
Exclusions
30 days Waiting Period
2 year waiting period
for Specific Illnesses and Treatments like internal tumors, cysts, surgery
on tonsils and sinuses etc.
Pre-existing conditions
( until 48 months of continuous coverage)
War or any act of war
Any breach of any law with criminal
intent
Self-destruction or self inflicted
injury, attempted suicide or suicide
Any claim arising out of the use of
drugs and alcohol
Plastic surgery or cosmetic surgery,
unless necessary as a part of medically necessary treatment
All preventive care, vaccination including
inoculation and immunisations
*Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings.
*This content is descriptive only. Actual coverage is subject to language policy issued.
Disclaimer :
Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.
