HDFC ERGO is a private sector insurance company in India which offers insurance in personal, travel, health insurance, motor and home sectors.
Features & Benefits – HDFC ERGO Health Suraksha Gold:
| Entry age |
No limit |
| Renewal |
Life long renewability |
| Policy term |
1-2 years |
| Type of plan |
- Individual
- Family floater
|
| Cover |
- Day care procedures
- Pre hospitalisation charges
- Post hospitalisation charges
- Domiciliary treatment
- Organ donor
- In-patient treatment costs
- Hospital room rent
- Doctor fee
- Emergency ambulance
|
| Key features |
- Optimized health insurance plan at affordable cost
- No limit for age entry
- Life long renewability
- Cashless service at 4800+ hospitals
- Hassle free claim procedure
- Limited documentation
- E opinion provided upon diagnosis of critical illness
- Ayush cover available without any sub limit
|
| Benefits |
- Maternity benefit available after a waiting period of 4 years along with new born baby cover
- Cumulative bonus- 5% of the Basic Sum Insured every claim free year subject to a maximum of 50% of the basic sum insured.
- Health check up at the end of continuous four claim free years
- Tax benefits
|
| Tax benefits |
Tax benefits under section 80D of the Income Tax Act |
| Discounts |
- 10% discount for 2 year tenure of the policy
- Family discount of 10% if 2 or more family members are covered under the plan on Individual Sum Insured basis
|
| Exclusions |
- Pre-existing conditions will not be covered for first 48 months
- Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
- Pregnancy, dental and external aids and appliances unless covered under specific Plans
- Terrorist activities, radioactivity or war
- Any treatment within first 30 days of cover except any accidental injury
- Mental disorder or insanity
- Cosmetic surgery and weight control treatment
- AIDS/HIV
- Self inflicted injury
- Preventive care and vaccination
|
