HDFC ERGO Health Suraksha Insurance Plan- Features & Coverages

Health Insurance

HDFC ERGO Health Suraksha Plan is a comprehensive health insurance policy which provides medical coverage to individuals as well as family. Today, the medical cost is reaching sky height making it difficult for people to cope up with the expense. 

So, opting for HDFC ERGO Health Suraksha Policy helps you to cover the medical expense of your as well as your family when there is any medical issue. Various important services which is offered by HDFC ERGO Health Suraksha Policy are- flexible paying mode, cashless hospitalization service, pre and post hospitalization costs and much more. 

Why choose HDFC ERGO Health Suraksha Insurance Plan?

  • You can choose the health insurance plan whichever suits your requirement. 
  • HDFC ERGO Health Suraksha Insurance Policy offers various kinds of treatments like- Unnani, Ayurveda, Homeopathy as per your preference.
  • HDFC ERGO Health Suraksha Insurance Plan offers great healthcare comforts.
  • Day care expenses is also covered under HDFC ERGO Health Suraksha Insurance Plan.
  • Both individual and family insurance policy are covered under HDFC ERGO Health Suraksha Insurance Plan.

Features of HDFC ERGO Health Suraksha Insurance Policy

Here are some key features and benefits of HDFC ERGO Health Suraksha Insurance Policy-

  • Pre hospitalization expenses like- medical check ups, doctor’s appointment and post hospitalization expenses, both are covered under HDFC ERGO Health Suraksha Insurance Policy.
  • Emergency Ambulance requirement for critical condition is met by HDFC ERGO Health Suraksha Insurance Plan.
  • Also, the expense of hospital in-patient treatment is also covered under HDFC ERGO Health Suraksha Insurance Plan.
  • Renewal of HDFC ERGO Health Suraksha Insurance Policy is for the lifetime. 
  • If you opt for HDFC ERGO Health Suraksha Insurance Plan at an early age, you are eligible for lower premium payment.
  • The sum that is insured under HDFC ERGO Health Suraksha Policy renewal can be up by 5% in case you did not claim in a policy year. 
  • Moreover, HDFC ERGO Health Suraksha Plan offers tax deduction under Section 80D.

Coverages offered by HDFC ERGO Health Suraksha Insurance Plan

Following are the medical coverages that is offered by HDFC ERGO Health Suraksha Insurance Policy-

  • Organ Donor– HDFC ERGO Health Suraksha Insurance Plan provides the medical costs of the treatment of the organ donor.
  • Treatment of in-patient– The medical expenses in case of hospitalization includes- medicines, room rent, nursing and other costs are covered under HDFC ERGO Health Suraksha Insurance Plan.
  • Ayush- Treatment expense of in-patient under Unnani, Homeopathy, Sidha or Ayurveda is covered under HDFC ERGO Health Suraksha Insurance Plan.
  • Pre-hospitalization expense– The cost of treatment up to 60 days before the hospitalization of the insured individual is taken care by HDFC ERGO Health Suraksha Insurance Plan.
  • Post-Hospitalization expense- After the insured individual is discharged from the hospital, HDFC ERGO Health Suraksha Insurance Plan provides the medical expense up to 90 days.
  • Domiciliary Treatment– HDFC ERGO Health Suraksha Insurance Plan covers the medical treatment that the insured individual avails at his home.
  • Day Care Procedures– HDFC ERGO Health Suraksha Insurance Policy provides full coverage for 144 day care procedures which takes less than 24 hours. 
  • Cumulative No Claim Bonus- Enjoy a rise of 5% sum insured for every no claim in a policy year. You increase the sum insured up to 50%.

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