HDFC Ergo Health Suraksha Top Up Health Insurance

Health Insurance

HDFC Ergo Health Insurance provides so many health insurance policies to fulfill their customer needs. A top-up health insurance plan is kind of a topping of a pizza. A top-up plan provides extra coverage on your current health insurance policy; you just have to pay little more to avail this.

Key Features of HDFC Ergo Top up Health Insurance plan

  • There are no sub-limits of coverage on pre-hospitalization and post-hospitalization expenses in this health insurance policy.
  • No sub-limits of coverage for day care procedures.
  •  The quick response time for a cashless claim is six hours, or the company pays an extra penalty charge for it.
  • The premium price is low but the coverage is high.
  • Can avail the tax benefit under section 80D.
  • You can avail 5% discount if you have taken it continuously for three years.
  • You can cancel this policy even in fifteen days and it will be refunded but if you have claimed already refund won’t be applicable.
  • You can renew your policy throughout lifetime but you have to pay the renewal premium within thirty days of the due date.
  • You don’t have to be worried if you already have made a claim your premium price won’t be changed.
  • Two children, spouse, parents, and in-laws can be covered under the policy. Individual and family floater both policies are available in this.

Benefits of HDFC Health Suraksha Top Up Health Insurance

  • The claim settlement is hassle-free; you don’t need so many documents to claim.
  • Avail the 80D tax benefit.
  • Sum insured is increased by 5% on every claim free renewal.

Eligibility Criteria

  • The policyholder should be in the age group of 18 to 65 years old.
  • Children aged between 23 years to 91 days can be insured.
  • If you don’t have any pre-existing disease there is no need for medical checkup up to fifty-five years.

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