HDFC ERGO Health Suraksha Gold Policy Features & Benefits

Health Insurance

HDFC ERGO Health Suraksha Gold Policy is a unique health insurance offered by HDFC ERGO General Insurance Company. This insurance house is a joint venture of India’s one of the leading financial institution HDFC and Germany’s one of the best insurance firm ERGO International AG. 

Key Features of HDFC ERGO Health Suraksha Gold Policy

  • You can avail HDFC ERGO Health Suraksha Gold Policy from RS. 3Lakh to Rs.10Lakh.
  • HDFC ERGO Health Suraksha Gold Policy is available both in individual and family floater health insurance plans.
  • You can get a discount of 10% if you included more than one family member in HDFC ERGO Health Suraksha Gold Policy.
  • If you are 45+ you need a pre-insurance medical examination for HDFC ERGO Health Suraksha Gold Policy.
  • You can avail HDFC ERGO Health Suraksha Gold Plan cover for one or two years as per your policy term.
  • In HDFC ERGO Health Suraksha Gold Plan you can get the maternity benefit also you can get the newborn cover.
  • No sub-limit on the sum insured amount for room rent, doctor’s fees, hospital charges, and specific diseases.
  • You can get the coverage for Ayurveda, Unani, Siddha, and homeopathy treatment without any sub-limits.
  • In the HDFC ERGO Health Suraksha Gold Plan, you can get a free health check-up after 4 years of claim free year.
  • Your pre-hospitalization medical expenses will be covered up to sixty days before hospitalization by HDFC ERGO Health Suraksha Gold policy.
  • HDFC ERGO Health Suraksha Gold Plan will cover your post-hospitalization medical expenses up to 90 days after discharge from hospital.
  • If there is no unfortunate accident you have to wait at least thirty days for the policy cover of HDFC ERGO Health Suraksha Gold plan.
  • After four 48 months of the waiting period, pre-existing illness will be covered. On the HDFC ERGO Health Suraksha Gold plan.
  • The premium amount is tax deductible under section 80D of the income tax act.
  • You will get the 15 days of free look period for the policyholder in the HDFC ERGO Health Suraksha Gold plan.

Benefits of HDFC ERGO Health Suraksha Gold Policy

  • Tax-Benefit– If you are someone who is paying the premium for yourself, spouse or your parents you can claim tax benefits under section 80D of the income tax act.
  • Discount– If you are an HDFC ERGO Health Suraksha Gold policyholder you can get a discount of 10% if 2 or more family members are in the policy. Also if you buy this policy for two years you can get a 10% discount.
  • Cashless Hospital– HDFC ERGO has more than 8400+ network hospitals for cashless treatment.
  • Renew– If you are a policyholder of HDFC ERGO Health Suraksha Gold plan you can have the option of renewing it for lifelong.
  • Claim Settlement– HDFC ERGO Health Suraksha Gold Policy provides a smooth and less-time consuming claim settlement with least documents

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