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HDFC ERGO Health Suraksha

Eligibility  
Entry Age (years)  
Minimum 18; 3 Months for Children
Maximum 65; 21 for Children
Maximum Policy Renewal Age (years) 65
Coverage Type Individual/Family Floater
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 2 lakh
Policy Term (years) 1 or 2 years
Tax Benefit Section 80D of the Income Tax Act are applicable
Discount Family discount of 10% if 2 or more members are covered
No Claim Bonus 5% 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 Up Not required upto 45 years of age
Grace Period for Policy Renewal 15 days
Policy Termination Insurer 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  
Address HDFC 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 care@hdfcergo.com
Call to 1800 2 700 700
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.