HDFC ERGO Health Suraksha Policy

HDFC Health Suraksha Policy Overview

“You know, all that really matters is that the people you love are happy and healthy. Everything else is just sprinkles on the sundae”. Health Suraksha plan by HDFC ERGO Health Insurance provides an umbrella for you and your family against medical expenses. It gives you financial stability when you or your family member is hospitalized. it is one of the plan offered by HDFC ERGO Health Insurance. 

Key Features of  HDFC ERGO Health Suraksha Policy

• 4800+ network hospitals to avail cashless service.
• It covers pre and post hospitalization expenses.
• There are two options available- individual policy or family floater policy.
• No sub limits on room expenses and ICU expenses.

Benefits of HDFC ERGO Health Suraksha Policy

• Claims settlement is hassle free with less documents and turnaround time.
• Cumulative bonus: sum insured is increased by 5 % on every claim free renewal and it can be increase up to 50% on continuous claim free renewals.
• Income tax benefit can be availed under section 80D.
• Cost of health checkup up to 1% of sum insured will be paid on 4 consecutive claim free renewals.
• If two or more members are covered under this policy, then a discount of 10% can be availed.

HDFC ERGO Health Suraksha Policy Premium Details

• There are different sum insured available under this policy. Different sum insured options are: 3 lacs, 4lacs and 5 lacs.
• Premium amount will depend on the age and sum insured chosen by the proposer.

(Premium for 1 year and sum insured 2 lacs)

HDFC ERGO Health Suraksha Policy Details

• Minimum sum insured: Rs 3, 00,000
• Maximum sum insured: Rs 5, 00,000
• Policy period for HDFC Health Suraksha Plan: Policyholder can choose one year or two year as policy period.
• Free look period for HDFC Health Suraksha Policy: If the policy holder is not happy with the terms and conditions of policy, he/she can cancel the policy giving the reason for cancellation of policy.

Documents Required To Buy HDFC Health Suraksha Plan:

To buy the policy, a proposer has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person. No medical checkup is required for a person of 45 years of age.

Eligibility Criteria for Health Suraksha Plan by HDFC ERGO Health Insurance

• Children above 5 years can be covered provided their parents are also covered under this policy.
• There is no limit at age of entry.  

Inclusions in HDFC ERGO Health Suraksha Policy

Exclusions under Health Suraksha Policy by HDFC ERGO health Insurance

• A waiting period of 30 days for claims, other than bodily injury.
• Expenses incurred for tonsils, surgery are not covered for the first two years of policy period.
• Preexisting diseases are covered after 48 months of continuous coverage from the company.
• Claims for diseases like sexually transmitted diseases and vaccination are not covered.