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Health Insurance 2589 views February 13, 2020
HDFC ERGO Health Suraksha Gold plan is a comprehensive health insurance plan that is designed to cover the medical expenses of the insured. HDFC ERGO is a leading health insurance provider that understands the insurance needs of its customers.
It is one of the most dedicated insurance providers who have undoubtedly introduced wholesome insurance plans especially health insurance plans which take care of medical contingencies.
The Suraksha Gold plan of HDFC ERGO Health is a robust and simple plan that offers higher coverage. The plan is designed to offer coverage to individuals, family and even senior citizens.
Table of Contents
The Suraksha Gold plan of HDFC ERGO Health is a comprehensive health insurance pack that offers numerous unique benefits to the insured. The plan predominately covers the following facilities:
The plan covers the entire medical expenses including the cost of hospitalization even in cases of day care procedures.
The pre-hospitalization cover offers coverage of expenses incurred before hospitalization like pharmacy bills, doctor consultation charges, check-up fees, etc. The expenses are covered up to 60 days before hospitalization.
Post-Hospitalization cover refers to covering expenses incurred after the patient was discharged from the hospital. The pre-hospitalization cover includes doctor consultation fees, pharmacy bills, rehabilitation charges, etc. The post-hospitalization cover is offered up to 180 days.
The Suraksha Gold plan of HDFC ERGO Health is unique by offering cover for mental treatment. All the expenses for hospitalization are covered in case the insured is suffering from mental illness and availing medical treatment for the same.
Home healthcare refers to the medical treatment availed at the comfort of home. Under the Suraksha Gold plan of HDFC ERGO Health insured can avail home healthcare treatment with cashless facility.
The Suraksha Gold plan of HDFC ERGO Health covers the entire hospitalization expense including room rent, nursing charges, diagnostic test charges, doctor consultation fees, etc.
The plan covers the expenses incurred for the transportation of the patient from hospital to home.
Under this plan, HDFC ERGO covers the organ harvesting expense in the event of organ transplant.
HDFC ERGO understands your need to pursue alternative treatment in case you are unhappy with the current line of treatment. HDFC ERGO supports alternative treatment like Homeopathy, Ayurveda, Unani, and Sidha.
HDFC ERGO offers a recovery benefit of Rs 15000 in case the hospitalization exceeds 10 days.
This plan covers the cost of air ambulance in cases of a medical emergency.
The plan covers the maternity expenses incurred towards the birth of a child
The Suraksha Gold plan of HDFC ERGO Health does not cover the medical treatment expenses arising in the event of the following:
The eligibility criteria for availing the plan is as under:
Particulars | Criteria |
---|---|
Sum Insured | Minimum Rs 3 Lakhs Maximum Rs 10 Lakhs |
Age at Entry | Minimum 91 days Maximum No Limit |
Policy Term | Minimum 1 Year Maximum 2 years |
Maximum Renewal Age | Lifetime |
Policy Type | Individual Plan Family Floater |
It offers various benefits but the following are the most important perks of choosing the plan