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HDFC ERGO Health Suraksha

Objective

This is an online health insurance policy which will provide for hospitalisation and other related expenses.


Suited for

This policy is more suitable for those who utilize homeopathic or ayurvedic treatment.


What does it do?

This health insurance policy covers expenses of treatment taken as an inpatient. It pays for pre and post hospitalisation cost, day care procedures, organ donor expenses, and domiciliary treatment. It provides for allopathic medicine expenses, as well as unani, siddha and homeopathy treatments. If a policyholder does not make any claim for four consecutive years, he will be entitled to a free health check-up.


Pros

There is no capping on room rent, nursing fees or doctor's charges.
It covers non-allopathic treatment as well.
It can be bought online through company's website.
Family discount is available if two or more members are covered under the same policy.
Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.


Cons

Cumulative bonus will reduce by 10 per cent on acceptance of claim during any policy year.


Our View

Cover for homeopathic and ayurvedic treatment is a unique feature of this policy. Other benefits under this policy are similar to what other insurers offer.

Eligibility
Entry Age (years) 
Minimum18; 3 Months for Children
Maximum65; 21 for Children
Maximum Policy Renewal Age (years)65
Coverage TypeIndividual/Family Floater
Sum Insured (Rs) 
Maximum5 lakh
Minimum2 lakh
Policy Term (years)1 or 2 years
Tax BenefitSection 80D of the Income Tax Act are applicable
DiscountFamily discount of 10% if 2 or more members are covered
No Claim Bonus5% for each claim free year upto maximum of 50% of initial Sum insured. On acceptance of claim during any policy year, cumulative bonus will be reduced by 10% in subsequent policy year.
Pre Policy Medical Check UpNot required upto 45 years of age
Grace Period for Policy Renewal15 days
Policy TerminationInsurer may cancel the policy by giving a 30 days written notice to policyholder. Policyholder may also cancel the policy at any time by giving a written notice to insurer. In case policyholder cancelling the policy, a certain percentage of premium would be refunded based on policy term elapsed till date.
Customer Service 
AddressHDFC ERGO General Insurance Company Limited 6th floor, Leela Business Park, Andheri-KurlaRoad Andheri East, Mumbai 400 059; Registered Office: Ramon House, HT Parekh Marg 169, Backbay Reclamation, Mumbai 400 020
Mail to[email protected]
Call to1800 2 700 700
Additions to the Plan
Scope Of Cover
Cashless facilityavailable at empanelled network of hospitals
Re-imbursementavailable at non network hospitals
Pre-hospitalisationmedical expenses incurred during 60 days immediately prior to hospitalisation are covered
Post-hospitalisationmedical expenses incurred during 90 days after discharge from hospital are covered
Inpatient hospitalisationCovered
Day care procedures141 day care procedures are covered
Emergency ambulanceCovered upto maximum of Rs 2000 per event
Domiciliary Treatment (for a minimum of 3 days continuous treatment)covered
Organ Donor Expenses during Transplantcovered
Health Check Upallowed after every 4 claim free years upto 1% of Sum Insured upto maximum of Rs 5000
Ayurvedic/ Homeopathic treatmentInpatient treatment under Unani/ Siddha/Homeopathy is covered upto 20% for Policy Sum Insured of Rs 2 lakh and 3 lakh and Rs 25000 for policy sum insured of Rs 4 lakh. Once a claim for such treatment is admitted, any claim under allopathic treatment for same person and same illness willnot be accepted
Exclusions and Waiting Period
Pre-existing diseasescovered after a period of 48 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy unless there is a case of accidental injury
Waiting PeriodCertain diseases and illnesses such as cataract, arthritis, cysts, nodules etc. shall be covered after a waiting period of 24 months from inception of the policy
General ExclusionsDental/ oral treatment, Cosmetic, beauty, weight reduction and other likely treatments.War, participation in any criminal activity or adventurous activities such as mountaineering etc or any other related condition.
Annual Premium Option for Sum Insured Rs 200,000
Age (in years)1Adult2Adults2Adults+1Child2Adults+2Children
0-172384NANANA
18-353217482562567686
36-454037605674868917
46-507171114731290414334
51-557529120471347714908
56-608771140331546416894
61-6512308196932112322554
Premiums are inclusive of taxes
Annual Premium Option for Sum Insured Rs 300,000
Age(years)1Adult2Adults2Adults+1Child2Adults+2Children
0-172712NANANA
18-353721558272098837
36-454479671883459973
46-508037128591448716114
51-558439135031513016758
56-609764156231725018877
61-6514102225642419125819
Premiums are inclusive of taxes
Annual Premium Option for Sum Insured Rs 400,000
Age(years)1Adult2Adults2Adults+1Child2Adults+2Children
0-174357NANANA
18-35558783801099413609
36-45623393491196314578
46-5011058176942030822922
51-5511611185782119223807
56-6013925222802489427508
61-6522085353373795140566
Premiums are inclusive of taxes
Annual Premium Option for Sum Insured Rs 500,000
Age(years)1Adult2Adults2Adults+1Child2Adults+2Children
0-175306NANANA
18-357254108811406417248
36-458137122061538918572
46-5014641234252660829792
51-5515212243402752330707
56-6017712283403152334707
61-6525341405454372846912
Premiums are inclusive of taxes
Premium Option for 2 years policy term for Sum Insured of Rs 2 lakh
Age(years)1Adult2Adults2Adults+1Child2Adults+2Children
0-174292NANANA
18-35579086861126113836
36-457267109001347516050
46-5013625217992451727235
51-5514306228892560728325
56-6017542280673092833789
61-6524616393854224645108
Premiums are inclusive of taxes
Premium Option for 2 years policy term for Sum Insured of Rs 3 lakh
Age(years)1Adult2Adults2Adults+1Child2Adults+2Children
0-174882NANANA
18-356698100481297715906
36-458062120921502217951
46-5015271244332752530617
51-5516035256562874831840
56-6019528312453450037755
61-6528205451274838251637
Premiums are inclusive of taxes
Premium Option for 2 years policy term for Sum Insured of Rs 5 lakh
Age(years)1Adult2Adults2Adults+1Child2Adults+2Children
0-179550NANANA
18-3513057195862531631046
36-4514647219702770033430
46-5027817445075055656604
51-5528904462465229458343
56-6035425566806304769413
61-6550681810908745793823
Premiums are inclusive of taxes

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