About HDFC ERGO Health Super Top up Suraksha Plan
HDFC Ergo Health Suraksha Top-up Plus Health Insurance Plan helps policyholders enhance their insurance coverage in case their existing health insurance policy falls short of funds. This plan will provide an additional sum insured to cope with prolonged illness or unforeseen medical emergencies when the current health insurance policy may not suffice. It can be purchased without having a primary health plan. However, buying a health insurance plan with a sum insured equivalent to the amount of deductibles is recommended.
HDFC ERGO Health Super Top up Suraksha Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹2 lakh to ₹10 lakh |
| Pre-policy Medical Check-up | after 55 years |
| Pre-existing Diseases Waiting Period | 3 years |
or select from popular citiessSearch Optima Restore Cashless Network Hospital list
Key Benefits of HDFC ERGO Health Super Top up Suraksha Plan
HDFC ERGO Health Super Top up Suraksha Plan Inclusions & Exclusions
-
In-patient hospitalizationIt covers expenses including boarding and nursing expenses, room rent charges, fees charged by the doctors, operation theatre charges, prosthetic devices or implantation of any other equipment during surgery, cost of oxygen, blood, diagnostic procedures and so on
-
Pre and post hospitalization coverPre-hospitalization expenses 60 days prior to hospitalization and 90 days of post-hospitalization expenses are covered
-
Day care procedures140 day care procedures to be covered, which can be treated without hospitalization for more than a day, due to technological advancement in medical science.
-
Domiciliary treatmentIt covers expenses for treatment availed at home, as suggested by the doctor. Only applicable to cases where hospitalization is required but cannot be availed due to health condition of the patient, unavailability of beds in the hospital etc.
-
Organ donor expenses coverThe expenses incurred on organ donor for transplantation are also recompensed
-
Emergency ambulance coverAmbulance expenses to be covered up to a limit of Rs. 2000 per hospitalization
-
Any claim made in the initial 30 days of policy purchase shall not be entertained unless it is an accidental injury
-
Waiting period of 2 years for certain specific diseases Waiting Periods
-
Pre-existing diseases can be claimed after4 years of continuous cover
-
Expenses incurred on any treatment other than allopathy
-
Medical treatment required for AIDS, HIV and other related diseases
-
Treatment for stress related disorders, anxiety and physiological disorders
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
Explore Other Health Insurance Plans
HDFC ERGO Health Super Top up Suraksha Plan: FAQs
-
Q1. What is the sum insured limited under the HDFC Health Suraksha Top-up plan?
Ans: The sum insured limit is Rs 3 lakh to Rs 10 lakh (over and above the deductibles). -
Q2. What are the types of HDFC Health Suraksha Top-up plan?
Ans: There are two options under the Health Suraksha Top-up plan:- Health Suraksha Top-up Pro
- Health Suraksha Top-up Plus
-
Q3. What are the deductibles limit under the HDFC Ergo Health Suraksha Top-up plan?
Ans: The deductibles limit under the HDFC Ergo Health Suraksha Top-up plan are Rs 1 lakh to Rs 5 lakh as per the plan chosen.
-
Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
HDFC ERGO offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of HDFC ERGO
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to HDFC ERGO for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the HDFC ERGO policy
- The network hospital will send the hospital bill to HDFC ERGO.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
