Health Suraksha health insurance offered by HDFC ERGO has been designed keeping the soaring medical costs in mind. The sum insured options offered under the plan suit the needs of people from every walk of life. Some of the key features that make the policy a 360-degree insurance plan are- no sub-limits, no cap on room rent. Let’s take a detailed look at the policy:
The plan comes with certain benefits that make the policy unique. The reason for you to consider this policy are:
The salient features of HDFC ERGO Health Suraksha Silver Plan include:
The coverage under HDFC ERGO Health Suraksha Silver plan includes:
Category |
Nature of Coverage |
In-patient Treatment |
Hospitalisation expenses including boarding, nursing expenses, room rent, medicine and drugs costs, OT charges, ICU rent, doctor’s fee, surgeon’s fee etc. |
Pre-Hospitalisation |
The policy pays for the medical expenses for availing treatment for 60 days prior to the hospitalisation |
Post-Hospitalisation |
The policy pays for the medical expenses for availing treatment for 90 days prior to the hospitalisation |
Day care Procedures |
It pays for medical expenses for 144-day care procedures |
Domiciliary Treatment |
Covers you for the incurred expenses on treatment availing at home, which would have required hospitalisation |
Organ Donor Cover |
Expenses are covered for an organ donor's treatment in the event of organ transplantation
|
Emergency Ambulance Cover |
The transportation cost of an ambulance is covered in case of emergency |
AYUSH Treatment Cover |
It also pays or the expenses incurred in availing treatment under Ayurveda, Unani, Siddha or Homeopathy |
When the insurer tries or covers you for almost every possible way, certain things are just not feasible. The policy becomes null and void under the below conditions:
*For the complete list of exclusions, consider the policy document
Waiting Period Clause
In order to claim your health insurance in case of an emergency:
Policy renewal is essential. You can’t remain covered without renewing the policy. Hence, you can renew HDFC ERGO Health Suraksha Silver plan online or offline. When you renew it online, you can pay the premiums online by using debit/credit cards or net banking. You can also download the renewed policy online.
When you do it offline, you need the visit the branch office of the insurer, or you may approach an agent to do the formalities for you. You can pay the premiums through cheque and get the policy renewed.
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