HDFC ERGO Health Insurance Full Body Check-up

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      HDFC ERGO Health Insurance Full Body Check-up

      HDFC ERGO health insurance full body check-up, offered by the HDFC ERGO General Insurance Company Limited, allows the insured to determine their health status over time. It helps them in early diagnosis of a disease and obtain the right treatment. The preventive health check-up benefit is usually offered as an in-built cover or as an optional cover that needs to be purchased with the base health insurance policy.

      List of Free Medical Tests Covered by HDFC ERGO Health Insurance Plans

      Here is a list of standard medical tests covered by most HDFC ERGO health insurance plans:

      • Complete Blood Count (CBC)
      • Lipid Profile
      • Urine Routine
      • Fasting Blood Sugar (FBS)
      • Kidney Function Test (KFT)
      • Liver Function Test (LFT)
      • Thyroid Function Test
      • Calcium Test
      • USG Abdomen and Pelvis
      • Renal Profile
      • PAP Smear & Mammography for Females
      • Prostate-Specific Antigen (PSA) for Males
      • Chest X-ray
      • 2D ECHO
      • Electrocardiogram (ECG)

      Note: The exact list of medical tests may vary from one HDFC ERGO health insurance plan to another. Please contact the HDFC ERGO General Insurance Company Limited to know the exact medical tests covered.

      HDFC ERGO Health Insurance Plans with Full Body Check-up

      The table below illustrates the various HDFC ERGO health insurance plans that offer a full body preventive health check-up:

      HDFC ERGO Health Insurance Plan Name Coverage Amount Frequency
      HDFC ERGO Optima Secure Plan Individual Plan: Up to ₹8,000
      Family Plan: Up to ₹15,000
      Annual
      HDFC ERGO Optima Select Plan Individual Plan: Up to ₹8,000
      Family Plan: Up to ₹15,000
      Annual
      HDFC ERGO Optima Restore Plan Individual Plan: Up to ₹5,000
      Family Plan: Up to ₹10,000
      For SI of ₹5 lakh: Once in every two years
      For SI of ₹10 lakh & above: Annual
      HDFC ERGO Easy Health Plan 1% of the sum insured for up to ₹5,000 Under Standard Variant: After every four consecutive claim-free years
      Under Exclusive Variant: Once in every three claim-free year
      HDFC ERGO my:health Critical Suraksha Plus Plan - Annual,
      For PAP Smear, Mammography & PSA: Once in two/years (For people below 40 years) and once in four years (For people above 40 years)
      HDFC ERGO Maxima Plan - Annual
      HDFC ERGO my:health Koti Suraksha Plan - Annual
      HDFC ERGO my:health Women Suraksha Plan - Annual,
      For PAP Smear & Mammography: Once in two years (For people below 40 years) and once in four years (For people above 40 years)
      HDFC ERGO my:credit Comprehensive Suraksha Plan - Annual
      HDFC ERGO Health Wallet Plan Deductible Plan: Up to ₹3,000 for an individual plan and ₹6,000 for a family floater plan
      Non-deductible Plan: Up to ₹3,500 for an individual plan and ₹7,000 for a family floater plan
      Annual
      HDFC ERGO Day2Day Care Plan Individual Plan: Up to ₹2,000
      Family Plan: Up to ₹4,000
      Annual
      HDFC ERGO Energy Plan For HbA1c: Up to ₹750
      Other Tests: Up to ₹2000
      Twice a year or annual

      Things to Remember About HDFC ERGO Health Insurance Full Body Check-up

      Here are some important things the policyholder must remember regarding the HDFC ERGO full body check-ups:

      • The preventive health check-ups under most HDFC ERGO health insurance plans are offered annually after completing the first policy year.
      • While the HDFC ERGO full body check-up is an in-built benefit in most plans, it is available as an optional cover in a few others.
      • In a few plans, in-patient claims can impact the eligibility for the HDFC ERGO annual health check-up.
      • While in some plans, the aggregate deductible does not apply to annual health check-ups, it may not be available in other plans if the aggregate deductible is of ₹5 lakh.
      • Some HDFC ERGO full body check-ups include advanced tests, like PAP Smear and Mammography, for which there is a waiting period of every two to four years.
      • The full body check-up can be booked only at the empanelled network service provider of the insurance company through the HDFC ERGO mobile app or customer care.
      • The HDFC ERGO health check-up claim for medical tests undertaken at a non-network service provider is usually settled on a reimbursement basis.
      • Any unused HDFC ERGO health check-up benefit is not carried forward to the next policy year.
      • While in most family health insurance plans, the preventive health check-up benefit is applicable to each insured, in some plans, only 2 health check-ups are provided annually for the family.
      • For some mediclaim policies, the health check-up eligibility is determined based on the expiring policy or renewed policy sum insured amount, whichever is lower.

      HDFC ERGO Health Insurance Full Body Check-up: FAQs

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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

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      Tax Benefits are subject to changes in tax laws. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

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