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.