HDFC ERGO my: Health Hospital Cash Benefit Add On Plan

Hospital Cash Benefit Add-on Plan from HDFC ERGO helps individuals get a daily cash benefit during their hospitalization for the treatment of an illness or accident. This additional plan provides a wide range of benefits to the customers – hospital cash benefit, companion benefit, modification in the waiting period, etc. You can choose this plan to enhance your overall coverage with an existing health insurance plan.

Have a look at the key features of the plan mentioned below to get a brief overview of the same.

1. Hospital Cash Benefit
2. Companion Benefit
3. Hospital Cash Benefit -Global
4. Waiting Period Modification Option
5. Renewal Benefits
6. Health Week Discounts on Premiums
7. Multiple Premium Payment Frequency Options
8. Wellness Services
9. A 15-day free look period
10. A Grace Period of 15 or 30 days

On this page, we will be discussing the features and benefits of the HDFC ERGO my: Health Hospital Cash Benefit Add On Plan extensively. Let’s start without any further delay.

Features and Benefits of HDFC ERGO my: Health Hospital Cash Benefit Add On Plan in Detail

We have discussed the features of HDFC ERGO my: Health Hospital Cash Benefit Add On Plan below that you should check.

Coverage Benefits

Hospital Cash Benefit

If an insured person needs hospitalization (medically necessary) due to illness or injury sustained or contracted during the policy period, this add-on plan will pay the sum insured per day up to 30 days of hospitalization.

Companion Benefit

This add-on plan will pay an additional amount (up to a specific limit) towards the expenses of an accompanying person during the insured person’s hospitalization up to 30 days.

Optional Benefits

Policyholders can also opt for the following optional covers by paying an additional premium.

Hospital Cash Benefit – Global

With this optional cover, HDFC ERGO will pay the sum insured if an insured person needs hospitalization outside India due to illnesses or injuries.

Waiting Period Modification Option

When you choose this option, the waiting period (30 days for all claims except accidents, 24 for specific illnesses and procedures or 48 months for pre-existing conditions) under the policy will stand modified.

Renewal Benefits

You can also get discounts on the renewal premium by accumulating healthy weeks. You can accumulate one healthy week by recording a minimum of 50,000 weekly steps up to 15,000 steps per day or burning 900 calories up to 300 calories in one exercise session per day. To know more, check the below table.

Health Incentive

The Health Incentive program from HDFC ERGO encourages policyholders to maintain good health and get a wide range of incentives. Under this benefit, insured persons having pre-existing diseases or obesity (BMI above 30) can get a reduction in medical underwriting loading applied from the inception of the policy.

Wellness Services

With HDFC ERGO my: Health Hospital Cash Benefit Add On Plan, policyholders will also get the following wellness services without any impact on the sum insured or the eligibility for the cumulative bonus.

1. Health Coach (Disease Management, Activity & Fitness, Nutrition and Weight Management)
2. Discounts on OPD, Pharmacy, Diagnostic Centers, etc.
3. Customer Engagement via monthly newsletters, diet consultation, etc.
4. Specialized Programs (Stress management, pregnancy care, etc.)

Option to Pay Premium in Installments

HDFC ERGO offers customers the option to pay the premium as a lump sum  or installments at the inception of the policy as per the following options shown in the below table.

Free Look Period

HDFC ERGO offers a free look period of 15 days from the date of receipt of the policy documents to review the terms and conditions of the policy. Within this period, he /she can return the policy on finding it unsatisfactory. The free look period will apply to new individual health insurance policies only and not renewals.

What is Not Covered under the Plan?

Policyholders will not get coverage in the following situations.

1. Expenses related to any admission primarily for diagnostic and evaluation purposes
2. Diagnostic expenses unrelated or not incidental to the current diagnosis and treatment
3. Rest Cure, Rehabilitation and Respite Care
4. Surgical treatment of obesity except on the advice of the doctor
5. Change of Gender Treatments
6. Cosmetic or Plastic Surgery
7. Hazardous or adventure sports including but are not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, etc.
8. Breach of Law
9. Stem Cell Harvesting
10. Treatment of Alcoholism, Drug or Substance Abuse, etc.
11. Unproven Treatments
12. Contraception or sterilization
13. Maternity, Childbirth or Miscarriage (Unless due to an accident)
14. Intentional self-injury or attempted suicide
15. Participation or involvement in naval, military or air force operation
16. Circumcision unless necessary
17. Preventive Care
18. Treatment taken on an outpatient basis