HDFC Ergo Health Insurance Plans | Review HDFC Health Insurance Benefits Features

HDFCHDFC ERGO provides the best health insurance plans along with full range of benefits for you and your family. The HDFC ERGO health insurance plans are available at reasonable prices. 4800 hospitals are willing to provide medical coverage under HDFC Health Insurance.

HDFC ERGO Health Insurance Plans

Life is Beautiful. Hence Health is the major factor to attain the Beautiful Life. But Health is uncertain. You won’t expect the all situations in the life. So at every time we have to ready to face the any situation. The HDFC ERGO Health Insurance plans offer many features like cashless hospitalisation facility, flexible payout options & Enhanced No Claim Bonus. The HDFC ERGO General Insurance company covers hospitalisation Expenses of accidental cases. Not Only provide Accidental expenses but also provide pre and post hospitalisation expenses, domiciliary treatment, day care procedures & other charges.

Any responsible person wishes to provide financial support all time. To offer financial safety to your family, you have to work hard. First of All, you have to take of your health to do all these.  The HDFC ERGO Health insurance plans offer medical coverage to you & your Family. The HDFC Ergo Health Insurance Plans offers Best health coverage plans. Let’s know about the All HDFC Mediclaim plans, features, benefits, buying process & renewal process & all required details.

HDFC Health Insurance Policies

The HDFC ERGO Health Company is one of the Best General Insurance Company in the India. It is the Private Limited company. The HDFC ERGO General Insurance offers the best Health Insurance plans, along with Motor Insurance Plans, Travel Insurance plans, Home Insurance plans. These Health Insurance Plans / Mediclaim plans offer the Health insurance for individuals, Group, senior citizens, family & Personal Accident plans. The HDFC ERGO Health Insurance Plans Provide coverage for the dependent children & parents of the life assured also. The HDFC ERGO company offers various health plans with different attractive benefits & features. These Health plans are suitable for both Men & women at any age. You can choose the required health plan based on your needs. Before going to buy the new HDFC ERGO Health Plans, you have to check the all details & compare the All HDFC Insurance Health Plans.

The Following are the Various HDFC ERO Health Plans

• Health Suraksha
• Health Suraksha Gold
• Health Suraksha regain & ECB
• Health Suraksha Top Up Plus
• Critical Illness Insurance Plan
• Critical Illness Platinum Plan

HDFC ERGO Health Suraksha Plan

You can get the cashless hospitalisation with HDFC ERGO Health Suraksha health insurance plan. The HDFC ERGO is having a network of more than 5000+ hospitals in the our country to provide cashless hospitalisation & health care facilities. These Health Insurance plans offer a policy period of 1 or 2 years. The Basic sum insured per a year is ranging from Rs. 3 lacs to 10 lacs. The HDFC Mediclaim Insurance Plans offers in-patient pre-hospitalization expenses, 144 day-care procedures & treatments, domiciliary treatment & Other treatment Expenses. It also provides Cumulative Bonus Benefit on completion of every Claim Free Year or Cash Less Health check ups after completion of 4 years. The Health Suraksha offers no sub-limits on the hospital charges, hospital room rents, specific diseases and even doctor fees. You can also eligible for Tax Benefit & Enjoy the post hospitalisation hassle free claim process.

Features of HDFC Health Suraksha Plan

• The HDFC ERGO Health Suraksha insurance plans are available with affordable rates.
• Family Floater Health Insurance or Individual Health Insurance are available under HDFC Health Suraksha Plan.
• You can choose 1 year policy or 2-year policy.
• At the End of each & every claim free year, you can get Cumulative Bonus.
• If you complete 4 claim free years, then you can get free check-up facility.
• It has a network of 5000+ hospitals. You can avail cashless treatment.
• Tax exemption is applicable under Income Tax Act Section 80D.
• You can get hassle free claim procedure
• The Health check-up is not mandatory for people below the 45 years of age
• No Sub-limits for hospital expenses, specific diseases, hospital room rents and doctor fees.

HDFC ERGO Health Insurance Plans – Health Suraksha Inclusions

• Basic Sum Insured per Policy Year
• Medical checkups
• Inpatient Treatment
• Cumulative Bonus
• Pre-hospitalization
• AYUSH Benefit
• Post-hospitalization
• Emergency Ambulance
• Day Care Procedures
• Organ Donor
• Domiciliary Treatment

Exclusions of HDFC Ergo Suraksha Health Insurance Plan

• The claiming Period of 30 days is as waiting period.
• For a Particular Diseases & Treatment like surgery on tonsils & sinuses, cysts, internal tumour, etc. no need to wait for 2 years.
• Radioactivity or war, terrorist activities.
• HIV/AIDS.
• Pre-existing conditions are not covered unless the insured is covered for 48 months.
• In the case of war or any armed conflicts.
• Violation of any law with an intent of crime.
• Injuries caused due to an act of self-destruction, suicide or suicide attempts.
• Vaccinations including inoculation and immunisations taken for preventive measures.
• Refer to the Policy Wording document for a complete list of exclusions.
• Claims for the illness that may arise due to the intoxication of alcohol and drugs.
• Plastic or cosmetic surgery unless performed as an internal part of the treatment.

HDFC ERGO Health Suraksha health insurance plan

Health Suraksha Gold Plan

Health is the most valuable asset for the every individual owns. The Life is the full of uncertainties. You can’t Predicate. So The Health Insurance is mandatory to provide the safety to you & your family. Nowadays the Medical treatments expenses are increasing. Your savings drain out when a Family member is hospitalised. Then time is tough for everybody to pay treatment costs. Thus by taking the health insurance policy logically, you can get maximum benefits at critical times. HDFC ERGO Health Suraksha Gold Plan is an economic plan. This Health Insurance policy covers pre-hospitalization and post-hospitalization expenses, in-patient treatment costs. There are no Sub-limits for hospital charges, hospital room rents, diseases and doctor fees. Investment of health insurance is a wise & logical move.

Features & Benefits Of Health Suraksha Gold Plan

• AYUSH cover available without any sub-limit.
• Option to choose from Individual or Family Floater Health Insurance plans.
• Get benefits on Income Tax under Section 80D of the Income Tax Act.
• Optimised health insurance plans at affordable prices.
• A network of more than 5000+ hospitals to choose from to avail cashless services.
• No limit for age at entry.
• Sum Insured Individual: 300000, 400000, 500000, 750000 & 1000000 & Family Floater:300000, 400000, 500000, 750000 & 1000000.
• Life Long renewability.
• Enjoy hassle free claim procedures with least documentation and settlement times.
• Maternity Benefit available after a waiting period of 4 Yrs along with New Born baby cover.
• Convalescence benefit provided if the term of hospitalisation 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.

Inclusions of HDFC ERGO Health Suraksha Gold Plan

• Health check-Up
• Product Benefit
• Inpatient Treatment
• Cumulative Bonus (CB)
• Pre-hospitalization
• Convalescence Benefit
• E-Opinion for Critical Illness
• Maternity with Waiting Period of 4 Years
• New Born Baby
• AYUSH
• Emergency Ambulance (Limit per hospitalisation)
• Organ Donor
• Domiciliary Treatment
• Day Care Procedures
• Post-hospitalization

What Are the Exclusions of HDFC Health Suraksha Gold with Maternity Coverage?

• Any treatment within first 30 days of cover except any accidental injury.
• Mental disorder or insanity, cosmetic surgery, weight control treatment.
• Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
• Maternity is waiting the period of 4 years.
• Pre-existing conditions will not cover for first 48 months.
• 24 Months are waiting period for specified illnesses & treatments.
• Expenses arising from HIV or AIDS and related diseases.
• Hospitalisation 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.

HDFC ERGO Suraksha Gold Plan Brochure

HDFC ERGO Suraksha with Regain and ECB

HDFC ERGO provides support to your needs of a secure & healthy future. The HDFC ERGO Suraksha with Regain & ECB offers guarantees coverage for medical exigencies. Health Suraksha with Regain and ECB Plan provides financial support in emergencies. This Health Insurance Plan provides a comprehensive health coverage. The HDFC Health Insurance Plans offers pre-hospitalization and post-hospitalization expenses, coverage for in-patient treatment costs &  other significant expenses. You can get additional benefits with HDFC ERGO Health Suraksha with Regain and ECB insurance plan. It offers no sub-limits for hospital Room rents, Hospital Charges & diseases. Lest know the features, Inclusions & Exclusions of HDFC Suraksha with regain & ECB.

Features & Benefits Of  HDFCERGO Suraksha with Regain & ECB

• Sum Insured 300000, 400000, 500000, 750000 & 1000000.
• AYUSH cover available without any sub-limit.
• Optimised health insurance plans at a reasonable cost.
• A network of more than 5000+ hospitals to choose from to avail cashless services.
• Enjoy hassle free claim procedures with least documentation and settlement times.
• No Sub-limits on any disease, room rent, hospital charges and doctor fees.
• No limit for age at entry.
• Option to choose from Individual or Family Floater Health Insurance plans.
• REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion.
• Get benefits on Income Tax under Section 80D of the Income Tax Act.
• Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured.

HDFC ERGO Suraksha with Regain & ECB Regain Benefits

Regain benefit offers an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year

• Basic sum insured will re-instate only once in the health insurance policy year.
• If the Regain SI is not utilised in a policy year, it will not be carried forward to any subsequent insurance policy year.
• Regain SI can be used for only future claims and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year.
• Regain benefit cannot be withdrawn at subsequent renewals.

Inclusions of HDFC ERGO Health Insurance Plans

•  Basic Sum Insured per Policy Year
• Inpatient Treatment
• Post-hospitalization
• Pre-hospitalization
• Day Care Procedures
• Domiciliary Treatment
• Organ Donor
• Emergency Ambulance (Limit per hospitalisation)
• AYUSH Benefit
• Health Check Up
• Regain Benefits
• Enhanced Cumulative Bonus

What are Exclusions in HDFC ERGO Health Suraksha with Regain & ECB

• Any treatment within first 30 days of cover except any accidental injury.
• Pre-existing conditions will not be covered for first 48 months.
• Hospitalisation 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.
• 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.
• Terrorist activities, radioactivity or war.

More details about HDFC ERGO Suraksha with Regain & ECB

HDFC ERGO Suraksha Top Up Health Insurance Plan

HDFC ERGO Suraksha Top Up Plus is what you can turn to when you feel you want something more from your medical insurance policy. The Top Up plan not only supplements your primary health insurance cover at a low cost but also comes with a host of additional benefits. This Medical Policy offers additional sum assured. It also enhances your Top Up coverage at the time of renewal, subject to policy conditions.

HDFC Suraksha Top UP Plan Features & Benefits

• You can convert the HDFC Suraksha Top Up policy to Suraksha policy.
• No limit on expenses like doctor fees, hospital room rent and other sub-limits.
• Coverage of Rs 5 Lacs per annum.
• 10% family discount for 3 or more members covered in the same policy.
• 5% cumulative bonus on sum insured for every claim-free year (up to 50% maximum).
• No exit age.
•  lifelong renewability.
• Tax Benefit under the Income Tax Section 80D.

HDFC Suraksha Top Up Plan Inclusions

• Inpatient Treatment: The boarding expenses, nursing, ICU, anaesthesia, room rent, blood, oxygen, medicines, diagnostic procedures, drugs and consumables medical expenses etc.
• Pre-Hospitalization: Medical expenses for 60 days before hospitalisation.
• Post-Hospitalization: Medical expenses for 90 days after hospitalization
• Day care procedures: Medical expenses for 140 day care procedures which do not require 24 hours hospitalization due to technological advancement in medical science.
• Sum Insured (Rs.) – 2, 3, 4 and 5 Lacs
• Deductible (Rs) ^ – 1, 2 and 3 Lacs
• Family Discount – The family includes self, spouse, dependent children (up to the age of 21 years) and dependent parents. Dependent parents have to be covered under separate family floater policy.
• Domiciliary Treatment – Medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalisation
• Organ Donor – Medical expenses on harvesting the organ from the donor.
• Renewal Incentives – Cumulative bonus of 5% of the Sum Insured for every claim free year accumulating up to 50%. In the event of a claim, the cumulative bonus shall be reduced by 5% at the time of renewal.
• Entry Age – From 5 years to 65 years. Cover children aged 91 days and above, subject to both parents being covered under same policy
• Policy Period – The policy will be issued for 1 year /2 years period
• Pre-Policy Check up – Required > 55 Yrs of age*
• Free Look Period – A period of 15 days from the date of receipt of the policy document
• Emergency Ambulance – Expenses up to Rs. 2000 per hospitalisation for utilising ambulance service for transporting insured person to hospital.

What are the exclusions of Suraksha Top Up Plan

• Non-allopathic treatment
• Expenses arising from HIV or AIDS and related diseases are permanently excluded
• 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
• Experimental, investigational or unproven treatment, devices and pharmacological regimens

HDFC ERGO Suraksha top Up Plan More details

HDFC ERGO Critical Illness Plan

ERGO Critical Illness Insurance plan offers additional financial benefits. This HDFC ERGO Health Insurance Plan provides a lump sum amount to cover the costs that occured during treatment & care, recuperation aids & even offer funds in case you are not in a position to earn money due to ageing factor.

What is the feature of HDFC Critical Illness Plan?

HDFC ERGO Critical Illness Plan offers a Lump Sum Benefit  to the insured person on the first diagnosis after a survival period of 30 days and for any one of the 8 such illnesses

• Heart Attack (Myocardial Infarction)
• Multiple Sclerosis
• Stroke
• Cancer
• Major Organ Transplantation
• Kidney Failure
• Coronary Artery Bypass Surgery
• Paralysis

Inclusions of Critical Illness of HDFC ERGO Health Insurance Plan

• Offers care & treatment.
• Recuperation aids.
• Paying off debts, if any.
• Providing for any lost income due to a decreasing ability to earn.
• Offer funds for a change in lifestyle.
• It provides tax benefits under Section 80D.

Exclusions of ERGO Critical Illness Plan

• a waiting period of 90 days.
• Invasions, act of foreign enemy, war, the act of war or war like operations.
• HIV/AIDS.
• Attempt to suicide with being sane or insane.
• Involvement or participation in the military, naval or air force operations.
• Involvement in sports such as racing, diving, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
• Under the influence of alcohol or drugs.
• Unlawful or criminal activity.
• Intentional self-injury.
• Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarian section).

HDFC Critical Illness health Plan brochure

HDFC ERGO Critical Illness Platinum Insurance Plan

Critical Illness Platinum policy covers 15 Critical Illnesses. These HDFC ERGO Health Insurance Plans provide a Lump Sum Benefit amount on the first diagnosis after a 30 day survival period.

What are the Features of HDFC ERGO Critical Illness Health Insurance Plans?

The 15 Critical Illnesses are as follows

• Heart Attack (Myocardial Infraction).
• Coronary Artery Bypass Surgery.
• Stroke.
• Cancer.
• Kidney failure.
• Major organ transplantation.
• Multiple Sclerosis.
• Paralysis.
• Aorta Graft Surgery.
• Primary Pulmonary Arterial Hypertension.
• Heart Valve Replacement.
• Benign Brain Tumor.
• Parkinson’s Disease.
• Alzheimer’s Disease.
• End Stage Liver Disease.

Inclusions of HDFC ERGO Critical Illness Platinum Plans

• Costs for the care and treatment.
• Fund for a change in lifestyle.
• Recuperation aids.
• Debts pay off.
• Any lost income due to a decreasing ability to earn.
• Tax benefit under Section 80D.

Exclusions of HDFC ERGO Critical Illness Platinum Plans

• 90 days waiting period.
• War or any act of war, invasion, act of foreign enemy, war like operations.
• Criminal or unlawful act, or intentional self-injury or attempted suicide while sane or insane.
• Venereal disease, “AIDS” (Acquired Immune Deficiency Syndrome) and infection with HIV.
• Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
• Intoxicating drugs and alcohol.
• Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarian section).

How to buy HDFC Ergo Health Insurance Plans?

HDFC Ergo Health Insurance Plans can purchase through online from the official website by entering your Information. You can also buy the HDFC Ergo Health Insurance Plans by visiting the nearest New India Branch Office or, from the Agent of HDFC Ergo Health Insurance Company. The List of documents required for buying the New India Health Plans are

• Proposal Form/ Application form along with the photo.
• Age Proof.
• Address Proof.