HDFC ERGO Equi Cover Health Insurance Plan

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      HDFC ERGO Equi Cover Health Insurance Plan

      HDFC ERGO Equi Cover Health Insurance plan is a unique medical plan focusing on the needs of specially-abled individuals and people with HIV/AIDS. The health plan has been created under the Rights of Persons with Disabilities Act of 2016 and The Mental Healthcare Act of 2017. Through this plan, any expenses incurred for hospitalisation, illness or accident.

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      HDFC ERGO Equi Cover Health Insurance Plan

      HDFC ERGO Equi Cover Health Insurance Plan
      Categories  Benefits
      Sum Insured Rs. 4 Lakhs and Rs. 5 Lakhs
      Policy Tenure 1 Year
      Network Hospitals 12000+
      Incurred Claim 97.47%
      Pre-Existing Diseases Waiting Period 4 Years
      Specified Diseases Waiting Period 2 Years 
      Initial Waiting Period 30 Days

      HDFC ERGO Equi Cover Insurance Plan: Benefits

      The following are the benefits of the HDFC ERGO Equi Cover Health Insurance Plan:

      1. In-patient Care Benefit

        The HDFC ERGO Equi Cover Insurance Plan covers the expenses incurred when the insured is admitted to the hospital. The costs include the charges for room rent, boarding and nursing expenses, as well as other costs like ICU, surgery, diagnostic tests and additional charges.

      2. Pre-Hospitalisation Benefit

        This health insurance plan created by HDFC ERGO provides the insured individual with pre-hospitalisation benefits for 30 days. It is provided until the insured is admitted to the hospital for in-patient care.

      3. Post-Hospitalisation Benefit

        The post-hospitalisation benefit from the HDFC ERGO Equi Cover Plan, the insured can claim for expenses incurred for all in-patient care. The claim can be filed up to 60 days from the date the insured has been discharged from the hospital.

      4. Modern Treatment Benefit

        Another benefit of the HDFC ERGO Equi Cover Health Plan is the modern treatment benefit. Through this benefit, the insured is provided 50% of the sum insured amount as either in-patient or daycare procedure methods while admitted to the hospital. It applies to surgical procedures like stem cell therapy, oral chemotherapy, deep brain stimulation, etc.

      5. Tax Benefits

        The HDFC ERGO Equi Cover Insurance plan provides the insured with tax benefits under Section 80D of the Income Tax Act. It applies to the premium amount paid by the insured for each year of the insurance.

      HDFC ERGO Equi Cover Plan: Eligibility Criteria 

      HDFC ERGO Equi Cover Insurance Plan
      Parameters  Eligibility Criteria
      Minimum Entry Age Adult 18 Years

      Child - 1 Day

      Maximum Entry Age Adult 65 Years

      Child 17 Years

      Coverage Type  Individual 
      Renewability  Lifelong

      HDFC ERGO Equi Cover Plan: Inclusions

      All the inclusions of the HDFC ERGO Equi Cover Plan have been listed below:

      • Cataract: If the insured undergoes cataract surgery, then through the HDFC, the ERGO Equi Cover Insurance plan will pay for the expenses. It is important to remember that the cost for each eye that is operated is limited to Rs. 40,000. 
      • Emergency Road Ambulance: Through this inclusion, the insured is eligible for an emergency road ambulance, depending on their medical condition. The insured will be transported from the injured area to the nearest hospital. This inclusion's maximum limit is Rs. 2000 for each hospitalisation. 

      HDFC ERGO Equi Cover Insurance: Exclusions

      • Any form of respite or care and rehabilitation
      • Weight-loss treatments or bariatric surgery
      • Gender change surgery or treatment
      • Any plastic or cosmetic surgery except for medically necessary procedures
      • Adventure sports or hazardous activities
      • Consumption of non-prescribed dietary substances
      • Vision issues like refractive errors of the eye at less than 7.5 dioptres
      • Any form of unproven treatment that lacks medical proof or documentation
      • Maternity or infertility treatments

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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