HDFC ERGO my:Credit Comprehensive Suraksha Insurance

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      HDFC ERGO my:Credit Comprehensive Suraksha Insurance

      The HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan was created to offer insurance cover to individuals taking loans from other financial institutions. This loan-linked insurance plan covers up to 42 critical health issues and surgical procedures. Additionally, the HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan extends coverage in case of cardiac arrest or loss of employment through financial assistance. It is also applicable if the insured is diagnosed with any major illnesses.

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      HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan

      HDFC ERGO my:Credit Comprehensive Suraksha
      Categories Benefits
      Sum Insured Rs. 1 Lakh to Rs. 5 Crore
      Policy Tenure 5 years
      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 my:Credit Comprehensive Suraksha Insurance Policy

      The following are the benefits of purchasing the HDFC ERGO my:Credit Comprehensive Suraksha Insurance Policy:

      • Critical Illness Cover – In case of acute illness or surgery of the insured, the HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan will pay a percentage of the sum insured or the sum insured. However, it is essential to remember that the waiting period rules apply irrespective of the surgery the insured will undergo or the illness they might be suffering from.
      • Women's Health Cover – Under this health benefit cover, the insured is covered for various illnesses and medical procedures. According to the insurance plan, the insured will be provided with the entire sum insured or a percentage of the sum insured according to the illness or surgery they will or have undergone.
      • Sachet Critical Illness - The Sachet Critical Illness benefit within the HDFC ERGO my:Credit Comprehensive Suraksha Insurance plan ensures that in case the insured undergoes any surgical procedure or is suffering from a critical illness, then they will be paid the sum insured or the specified percentage of the sum insured. The amount will also be determined according to the first diagnosis after the waiting period.
      • Recovery Benefit – The recovery benefits are applicable in case of hospitalization at a medical facility or home (domiciliary hospitalisation). Such a benefit is applicable in the case of alternative treatments for 10 days in case of an injury or illness within the insurance period.
      • Pre-diagnosis Cover – The insurer will also pay for the expenses incurred for 30 days before the diagnosis of critical illness or before any major surgical procedures.

      HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan Eligibility Criteria

      HDFC ERGO my:Credit Comprehensive Suraksha Insurance
      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 16 years
      Maximum Entry Age Adult – 65 years
      Coverage Type Lifelong
      Renewability 5 years

      Inclusions of HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan

      The following are the inclusions of the HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan:

      • Hospital Cash Benefit – Through this inclusion, the HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan will provide the insured with a sum insured for each continuous and entire period of 24 hours or as long as specified by the healthcare provider. The inclusion also ensures they are provided the sum insured even if they are under domiciliary hospitalisation.
      • Loss of Job Cover– The policy ensures that in case the insured loses their job due to voluntary resignation or termination from their employment within six months. It can be caused due to the diagnosis of a medical illness or due to disablement of a permanent nature.
      • Preventive Health Check-ups – The insured individual under this health insurance plan is eligible for a preventive health check-up session at the end of each policy year. The preventive health check-up can be done at any of the 12000+ network hospitals according to the list of tests applicable.

      Exclusions of HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan

      The following are the exclusions of the HDFC ERGO my:Credit Comprehensive Suraksha Insurance Plan:

      • Tests done for diagnostic, evaluation purposes, or unrelated treatments.
      • Any surgeries done with the intention of weight loss or obesity.
      • Any adventure sports or hazardous activity undertaken by the insured.
      • Any form of cosmetic or plastic surgery that changes the appearance of the insured.
      • Any providers excluded from the insurance policy.
      • Violation of policy terms caused due to the insured attempting to commit a breach of law.
      • Any form of unproven treatment.
      • Procedures undertaken for infertility or assisted reproduction services.

      FAQs

      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*
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      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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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