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.

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