HDFC ERGO Hospital Cash Insurance Plan

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      HDFC ERGO Hospital Cash Insurance Plan

      The HDFC ERGO Hospital Cash Insurance Policy gives the policyholder a fixed lumpsum amount daily during hospitalization. If the insured is hospitalized, the insurer will reimburse the expenses incurred during the hospital stay. However, it is essential to note that the maximum liability covered under this plan is restricted to the duration and amount mentioned in the policy wording.

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      HDFC ERGO Hospital Cash Insurance: Key Benefits

      HDFC ERGO Hospital Cash Insurance
      Categories Benefits
      Sum Insured Rs. 500 to Rs. 2500 per day
      Policy Tenure 1 year 
      Network Hospitals 12000+
      Incurred Claim 97.47%
      Pre-Existing Diseases Waiting Period 4 years
      Specific Diseases Waiting Period 2 years
      Initial Waiting Period 30 Days

      Benefits of HDFC ERGO Hospital Cash Insurance

      The following are the benefits of purchasing the HDFC ERGO Hospital Cash Insurance policy:

      • Covers additional expenses - The HDFC ERGO Hospital Cash Insurance policy assists the insured in covering for any extra expenses during the hospitalization.
      • Tax Benefits - The HDFC ERGO Hospital Cash Insurance Policy provides the insured with tax benefits against the premium paid October 13under Section 80D of the Income Tax Act.

      HDFC ERGO Hospital Cash Insurance Plan Eligibility Criteria

      HDFC ERGO Hospital Cash Insurance
      Parameters  Eligibility Criteria 
      Minimum Age Adult -NA
      Child – 91 days
      Maximum Age Adult 65 years
      Child - NA
      Coverage Type Individual
      Renewability Lifelong

      Inclusions of HDFC ERGO Hospital Cash Insurance Policy

      The following are the inclusions of the HDFC ERGO Hospital Cash Insurance Policy:

      • In-patient Hospitalisation - The HDFC ERGO Hospital Cash Insurance Policy will pay for each continuous and completed period of 24 hours of hospitalisation. 
      • ICU Hospitalisation - If the insured has been admitted into an intensive care unit (ICU), then that person will receive twice the daily cash amount provided for in-patient hospitalisation. It is important to remember that the daily cash benefit will be provided only if the insured has been in the ICU for a maximum of seven days. 

      Exclusions of HDFC ERGO Hospital Cash Insurance Policy

      The following are the exclusions specified within the HDFC ERGO Hospital Cash Insurance policy:

      • Expenses related to admissions done mainly for diagnostic and evaluation of the insured individual’s health.
      • Any diagnostic test expenses not related to the current diagnosis or treatment.
      • Domiciliary treatment provided to insured living at a care facility or home for assistance with daily living activities.
      • Any form of surgery that involves weight loss.
      • Needs to be improved treatment methods.
      • Gender change treatment or procedures.
      • We excluded medical providers or facilities.
      • Any treatments that help the insured with their fertility or pregnancy.

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