HDFC Health Suraksha Top Up Insurance

HDFC Health Suraksha Top Up Health Insurance

HDFC ERGO Health Insurance provide various health plans, HDFC Health Suraksha Top Up Health Insurance is one of them.“A little effort goes a long way”. Health Suraksha top up plan is like cherry on the top of your current plan. It provides extra coverage on your present health insurance plan on paying a small premium. It enhances your current plan and gives you an improved policy. Click Here To Read About HDFC Health Insurance

Key Features of HDFC Health Suraksha Top Up Health Insurance Policy

• It runs parallel to your current plan by enhancing your coverage or sum insured.
• It covers pre and post hospitalization expenses.
• Medical expenses of 140 day care (which do not require 24 hours hospitalization) treatments are covered.
• This cover will start once the deductible (expense which is incurred by the insured before the insurer starts paying) amount is exhausted.
• Cashless services can be availed in case of emergency.

Benefits of HDFC Health Suraksha Top Up Health Insurance

• 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 increased up to 50% on continuous claim free renewals.

In case of claim, cumulative bonus will be reduced by 5%.

• Income tax benefit can be availed under section 80D.

Premium Details of HDFC Health Suraksha Top Up Health Insurance

• There are different sum insured available under this policy. Different sum insured options are: 2 lacs, 3lacs, 4lacs, 5 lacs.7.5 lacs and 10 lacs.
• Premium amount will depend on the age and sum insured chosen by the proposer.
• There are different deductibles available that can be chosen by the proposer. Deductible is an amount that is incurred by a policyholder.

 For example: Policy holder has chosen a deductible amount of Rs 1 lac on sum insured of 10 lacs. Suppose claim occurs for Rs 3 lac in that case 1 lac rupees will be incurred by insured and Rs 2 lac will be incurred by insurance company.

Deductible and premium table is as follows for a sum insured amount of Rs 10 lac (for individual):

Age band	1 lac	2 lac	3 lac	4 lac	5 lac
0-17	4,910	4,635	4,320	3,985	3,725
18-35	6,735	6,410	5,955	5,460	5,135
36-45	8,105	7,570	7,140	6,575	6,190
46-50	14,545	13,645	12,810	11,795	11,110
51-55	15,270	14,330	13,455	12,390	11,660
56-60	16,975	15,325	14,635	13,735	12,310
61-65	24,520	22,130	20,220	16,780	13,485
66-70	33,050	29,825	27,255	22,620	18,185
>70	49,845	42,740	39,050	32,410	26,055

Similarly coverage is available for family and different sum insured. So premium for other sum insured will depend on age, deductible and coverage (whether individual or family members also covered).

Policy Details of HDFC Health Suraksha Top Up Health Insurance Plan

Minimum sum insured: Rs 2, 00,000

Maximum sum insured: Rs 10, 00,000

Policy period: There are two policy periods available for this policy. Proposer can either choose one year or two year as policy period.

Free look period: 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. Policy can be withdrawn within 15 days from the date of commencement.

Grace period: If the payment is due on renewal of the policy, grace period of 30 days is given to the policyholder to make the payment.

Portability: Policy can be transferred from one insurer to another as per IRDA guidelines. Portability benefits will be given on the basis of previous policy’s sum insured.

Documents Required To Buy HDFC Health Suraksha Top Up Health Insurance

In order to purchase the policy, it is required to submit the duly filled proposal form alongwith the address proof. On the basis of sum insured and age, some insurers may ask for medical checkups also.

Eligibility Criteria For HDFC Health Suraksha Top Up Health Insurance

• Children above 5 years can be covered provided their parents are also covered under this policy.
• The maximum age of entry is 65 years.
• Children of 91 days can be covered if parents are covered under this policy.
• Pre policy checkup is required for persons above 55 years of age.

Inclusions in HDFC Health Suraksha Top Up Health Insurance Plan

Treatments	Coverage
Emergency Ambulance (Limit per hospitalization)	Expenses up to Rs. 2000 per hospitalization for utilizing ambulance service for transporting insured person to hospital.
Family discount	10% if 3 or more family members are covered on Individual Sum Insured basis under 1 plan
Domiciliary expenses	It covers medical expenses which are borne by an insured for availing medical treatment at his home which would otherwise have required to be hospitalized
Pre and post hospitalization	Medical costs incurred during 60 days prior to hospitalization and 90 days post hospitalization are reimbursed

Exclusions in HDFC Health Suraksha Top Up Health Insurance Policy:

• 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.
• Pre-existing diseases are covered after 48 months of continuous coverage from the company.
• Claims for diseases like sexually transmitted diseases and vaccination are not covered.