HDFC Ergo health insurance is a complete health care solution for individual and families, which takes care of the hospitalization, pre and post hospitalization, domiciliary hospitalization, organ donor expenses, emergency ambulance charges, etc. HDFC Ergo health insurance is available under the product called Health Suraksha.
Coverage-
The policy covers following medical expenses for illness/disease/sickness and injuries-
Hospitalization Cover- It includes room rent, boarding expenses, doctors fees, surgeon fees, operation theatre charges, ICU charges, cost of medicines, diagnostic test, etc.
Pre and Post Hospitalization-The medical expenses incurred 60 days prior to hospitalization and 90 days after hospitalization.
Pre-existing Condition- Specified pre-existing conditions are covered after 4 continuous policy years.
Day Care Procedures- It covers technological advance procedures/surgeries which do not require more than 24 hours of hospitalization.
The policy also offers Ayush benefit. It reimburses the expenses for inpatient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.
Tax Benefit-
It also offers tax benefit up to Rs.15,000/- under section 80D and for the senior citizens, tax benefit up to Rs.20,000/- under section 80D of the Income Tax Act,1961.
Eligibility-
The policy is available on individual sum insured basis and on family floater basis. The sum insured ranges are 2Lakh, 3Lakh and 4Lakh. Age limit is 3 months to 65 years. There are five plans to choose from – 1 Adult, 2 Adults, 2 Adults & 1Child and 2 Adults & 2 Children.
Features-
1.Cashless hospitalization at over more than 4250 network hospitals across India.
2.All family members are covered under the single sum insured.
3.No medical check-up is required up to the age 45 years.
4.10% of family discount, if 3 or more members are covered under a single policy on individual sum inured basis.
5.Cumulative bonus of 5% for every claim free year renewal.
