HDFC ERGO Easy Health Family Floater Insurance Premium Plan Overview

Easy Health Family floater Plan not only covers your family from emergency expenses but also covers medical treatment of illnesses/accidents. The Plan also offers an add-on optional cover for critical illnesses.

• Also covers maternity expenses, out-patient dental cover, recovery benefit and cost of spectacles & hearing aids & also let you avail health check-up benefit.

HDFC ERGO Health (formerly known as Apollo Munich) Easy Health Family Floater Insurance Premium Plan Eligibility Criteria:

• Minimum- 5 years, max- 65 years (dependent child can be covered from the 91st day if either parent is covered under this policy).
• Available on an Individual sum insured basis.

HDFC ERGO Health (formerly known as Apollo Munich) Easy Health Family Floater Insurance Premium Policy Details:

• You and your family members (spouse, dependent children, dependent parents, parent-in-law, grandparents and grandchildren)can be covered.
• Discount of 5% if 2 family members are covered and family discount of 10% if 3 or more family members are covered under the same policy.
• Maximum of 6 members can be covered in a single policy.
• Premium at renewal may change due to a change in age or change in the tax rate.
• Policy period of 1 or 2 years (7.5% discount for a 2 year policy).

Easy Health Family Floater Insurance Premium Policy Benefits:

• In-Patient Hospitalisation –It covers you if you are hospitalised for more than 24 hours.
• Pre-Hospitalisation – It covers medical expenses you incur due to ailments 60 days before hospitalisation.
• Post-Hospitalisation - It covers your expenses you incur in the 90 days immediately after release from the hospital
• Day-Care Procedures - It covers you even when you are not in the hospital but at the ease of your home (144 day-care procedures) and domiciliary treatment.
• Organ Donor - We cover you and your donor.
• Emergency Ambulance - Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).
• Maternity Expenses – Expenses before and after child birth procedures.
• Ayush Benefit - Expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.
• Outpatient Dental Treatment - Covers expenses incurred for any dental treatments (waiting period of 3 years).
• Recovery Benefit - Lump sum benefit of Rs. 10000, if hospitalisation is for more than 10 days (Sum insured 15 Lacs & above).
• Health Check-up – Expenses for health check-up (medical tests only once at the end of a 2 continuous policy years)
• E-opinion in Case of Critical Illness – Consultation with doctors who are in HDFC ERGO Health (formerly known as Apollo Munich) panel (One opinion per policy year).
• Additional Cover for Critical Illness (optional) - The sum insured for critical illness are 50% or 100% of basic sum insured subject to minimum of Rs. 100,000 & maximum Rs. 10, 00,000.

Additional benefits:

• Cumulative Bonus (CB) - CB of 10% for every claim-free year up to  a maximum of 100% (in the event of a claim, CB will be reduced by 10% of SI on the next renewal.
• Cashless Service
• Sum Insured Enhancement –
  • Can be enhanced at the time of renewal
  • The amount of increase shall be at the discretion of the company.
  • Portability – Easy transfer from other company’s health insurance along with transfer of waiting period and accrued benefits.
  • Tax Benefits - Avail tax benefits for the premium amount under Section 80D of the Income Tax Act.
  • Online health assessment.
  • Expert opinion on diet, exercise and yoga.
  • E- Storage facilities to store medical reports and other documents and access it anytime, anywhere.
  • Timely and customized offers & discounts on heath products & services.
  • Alerts to remind you of check-ups and appointments.
  • Exclusive health newsletter & helpline services.

HDFC ERGO Health (formerly known as Apollo Munich) Easy Health Family Floater Insurance Premium Renewal Policy:

• Lifelong renewability:  No maximum cover ceasing age in this policy
• Grace Period of 30 days for renewal.
• Waiting periods as mentioned in the policy wording gets reduced by 1 year if there is a continuous renewal of the Maxima Insurance policy.
• Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated at least 3 months in advance.

Exclusions:

• All treatments within the first 30 days of cover excluding accidental injury.
• Pre-existing condition is covered after a waiting period of 3 years and for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc. a waiting period of 2 years.
• Expenses arising from HIV or AIDS and related diseases/Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
• Hospitalization due to war/related situations.
• Pregnancy, dental treatment, external aids and appliances.
• Experimental, investigative and unproven treatment devices and pharmacological regimens.

HDFC ERGO Health (formerly known as Apollo Munich) Easy Health Family Floater Insurance Premium Plan Premium details:

FLOATER (1A+1C):

FLOATER (1A+2C):

FLOATER (1A+3C):

FLOATER (2A+0C)

FLOATER (2A+1C)

FLOATER (2A+2C)

FLOATER (2A+3C):

*The above premium rates may change. Please see the policy wordings for more information.