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Health Insurance 1467 views August 31, 2020
There is a common saying that prevention is better than cure. So, you must not wait for the time when you face a medical emergency and all your savings wash away. It is better to be prepared by taking a health insurance plan and prevent your savings from turning upside down. Here is a plan for you, known as the HDFC ERGO Arogya Sanjeevani Policy in which you can get a Sum Assured of up to Rs.5 Lacs. On the other hand, there are a lot of risks and medical expenses that are covered in this insurance plan. It has an above 10000 network hospital where you can enjoy the facility of cashless settlement. Let’s explore more about this exclusive insurance plan.
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There are some exclusive benefits of this policy and you must go through all of them before buying the plan. You must see the risks covered in this insurance plan.
All the expenses related to the hospitalization are covered in this plan like bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees. You can see the cover below:-
The company will cover the expenses incurred 30 days before hospitalization. On the other hand, you will get the reimbursement of those expenses that you have paid after hospitalization until 60 days.
You will also get a Cataract Cover which means all the expenses done for the treatment of cataract will be reimbursed. The cover you will get for the cataract treatment will be the lowest of the following:-
If in case you aren’t hospitalized and your treatment has been done within 24 hours then those expenses will also be covered in this health insurance plan. So, the treatment done in a day will also be covered in this plan.
You will also get the cover for Dental Treatment and Plastic Surgery if in case it is necessitated due to any other disease. The company will reimburse all the expenses incurred in the Dental Treatment and Plastic Surgery.
If you are going through an Ayurvedic Treatment then the expenses incurred in it will be covered by the company. AYUSH stands for Ayurveda, Unani, Siddha, and Homeopathy Treatment. So, if you are going through any of the treatment then it is covered in the HDFC ERGO Arogya Sanjeevani Policy.
There are some diseases and treatments that are covered in this policy and you can see them below. The company will pay you 50% of the Sum Assured if you are diagnosed with any of the following diseases:-
You will get the reimbursement of the ambulance expenses as well in this health insurance plan. The maximum reimbursement capped for the Ambulance Hospitalization Expenses is up to Rs.2000.
You can add your family members that are your loved ones in the same insurance plan. You can add your Spouse, Children, Parents, and in-laws in the same policy.
There are more than 10000 Network hospitals across India where you can get the treatment through a cashless facility. The company will directly transfer the claim amount to the hospital and there is no need to visit the company to make the claim.
If you will not make any claim during the policy term of one year then the company will increase your Sum Assured by 5%. You will get a no-claim bonus of 5% of the Sum Assured every year if you don’t make any claim until it reaches 50% of the Sum Assured. The value of the Sum Assured will increase every year and the amount of premium remains the same.
The company gives you the option to choose the amount of Sum Assured as per your needs. The amount of the Sum Assured starts from Rs.1 Lac and a maximum of up to Rs.5 Lacs. You can choose any amount in the multiple of INR 50000 between the ranges of Rs.1 Lac to Rs.5 Lac.