HDFC ERGO Hospital Cash Insurance Plan
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HDFC ERGO Health Insurance
- Hospital Cash Insurance Plan
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.
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.
FAQs
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Q1. Is the HDFC ERGO Hospital Cash Insurance Plan a good plan?
Ans: Yes. The HDFC ERGO Hospital Cash Insurance Plan is a good health insurance plan since it provides the insured with daily cash benefits in case of continuous hospitalisation for 24 hours. -
Q2. How can the insured claim benefits under the HDFC ERGO Hospital Cash Insurance Plan?
Ans: The insured needs to be hospitalised for a duration of 24 to 48 hours so that they can qualify for the hospital cash claim. However, it is important to note that the maximum number of hospitalisation days within a policy year should be 30, 60 or 90 days. -
Q3. What is the grace period of the HDFC ERGO Hospital Cash Insurance Plan?
Ans: The grace period for the HDFC ERGO Hospital Cash Insurance Plan is 30 days from the last date of expiry of the policy. -
Q4. Is a Free Look period available in the HDFC ERGO Hospital Cash Insurance Plan?
Ans: Yes. The HDFC ERGO Hospital Cash Insurance Plan has a free look period of 30 days starting when the insured receives the policy.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
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. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹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.
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##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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