Health Insurance 1289 views August 31, 2020

HDFC ERGO Sampoorna Suraksha Policy

HDFC ERGO is one of the leading insurance companies in India. Many individuals prefer an insurance plan only from the HDFC ERGO. This company has a large number of network hospitals across India and it has always amazed its customers with the cashless settlement. HDFC ERGO has many health insurance plans that give you overall protection. You can also call it HDFC ERGO Sampoorna Suraksha Policy because it gives you overall health protection. You can see the various policies that will prove that this company takes care of all the health problems and cover various risks. It will help you to keep your savings intact even if any medical crisis occurs.


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Types of Plans in Sampoorna Suraksha Policy

You can explore the various plans that will give you round the clock protection to fight the illnesses and manage the expenses. Explore the features of all these policies and choose the best one as per your needs.

  1. My Health Suraksha Policy
  2. My Health Critical Suraksha Plus Plan
  3. Personal Accident Insurance Policy
  4. My Health Medisure Super Top-Up Insurance Plan
  5. My Health Hospital Cash Benefit
  6. Home Insurance Plan

My Health Suraksha Policy

  1. The company will give you Medical Expenses Reimbursement in this Plan.
  2. Mental Health Care and Home Health Care Expenses are also covered.
  3. Domiciliary Hospitalization expenses will also be reimbursed by the company in this plan.
  4. Pre-Hospitalization Cover prior 60 days to the hospitalization.
  5. Post-Hospitalization Cover post 180 days to the hospitalization.
  6. Day-Care Treatment and Road Ambulance Cover.
  7. The company will cover the Organ Donor Expenses as well.
  8. If you are going through the AYUSH Treatment then it is also covered in this plan.
  9. Get preventive health check-up after 4 consecutive claim-free years.
  10. The company adds 5% of the Sum Assured every year as the cumulative bonus.

My Health Critical Suraksha Plus Plan

In this insurance plan, you can cover various types of critical illnesses that are life-threatening. You must see the illnesses and treatments that are covered in this plan.

Cancer Cover

Breast CancerCervix CancerUterus CancerFallopian Tube Cancer
Ovary CancerVaginal CancerHead and Neck CancerLung Cancer
Stomach CancerColorectum CancerProstate CancerAplastic Anemia
Cancer of Specified SeverityMajor Organ TransplantEarly Stage CancerCarcinoma in Situ

Heart Cover

Open Chest CABGMajor Organ Transplant – HeartSurgery of Aorta
Insertion of PacemakerDissecting Aortic AneurysmCardiomyopathy
Eisenmenger’s SyndromeInfective EndocarditisAngioplasty
Myocardial Infarction (First Heart Attack of specified severity)Open Heart Replacement or Repair of Heart ValvesBalloon Valvotomy or Valvuloplasty

Nervous System Cover

Multiple Sclerosis with persisting symptomsPermanent Paralysis of LimbsStroke resulting in permanent symptomsBenign Brain Tumour
Brain SurgeryParkinson’s DiseaseAlzheimer’s DiseaseMajor Head Trauma
Muscular DystrophyApallic SyndromeBacterial MeningitisEncephalitis
Creutzfeldt-Jakob Disease (CJD)Motor Neurone DiseaseComa of specified severityProgressive Supranuclear Palsy

Other Major Organ Cover

Kidney failure requiring regular dialysisMajor Organ Transplant – Kidney, Lung, Liver and PancreasSystemic Lupus Erythematosus with Lupus NephritisHIV due to blood transfusion and occupationally acquired HIV
End-Stage Liver FailureElephantiasisEnd-Stage Lung FailureFulminant Hepatitis
Chronic Relapsing PancreatitisMedullary Cystic DiseaseProgressive SclerodermaSevere Rheumatoid Arthritis
Terminal IllnessMyelofibrosisPheochromocytomaCrohn’s Disease
DeafnessBlindnessThird Degree BurnsSevere Osteoporosis

Personal Accident Insurance Policy

In this plan of the HDFC ERGO Sampoorna Suraksha Policy, you will get a death benefit and total disability benefit. You can see the percentage of the sum assured that will be given to you at the time of disability.

Permanent Total Disablement100%
Permanent and incurable insanity100%
Permanent Total Loss of two Limbs100%
Permanent Total Loss of Sight of one eye and one Limb100%
Permanent Total Loss of Sight in both eyes100%
Permanent Total Loss of Speech100%
Complete removal of the lower jaw100%
Permanent Total Loss of Mastication100%
Permanent Total Loss of Hearing in both ears75%
Permanent Total Loss of one Limb50%
Permanent Total Loss of Sight of one eye50%

My Health Medisure Super Top-Up Insurance Plan

  1. The In-Patient Hospitalization Expenses will be covered in this Plan.
  2. Pre-Hospitalization Cover prior 30 days to the hospitalization.
  3. Post-Hospitalization Cover post 60 days to the hospitalization.
  4. Day Care Treatment expenses will also be covered in this plan.
  5. You will get a hospital cash benefit as well.
  6. Expenses that will be covered are as follows:-
  7. Room’s Rent
  8. Boarding and Nursing Expenses
  9. ICU’s Rent
  10. Fees of the Surgeon
  11. Anaesthetist’s Fees
  12. Cost of the operation theatre and diagnostic tests
  13. Cost of Blood and Oxygen
  14. Prosthetic’s Cost and Cost of Other Equipment

My Health Hospital Cash Benefit

You will get the Hospital Cash Benefit as per the table given below:-

Type of Room-NormalICUCompanion BenefitBenefit Under Global Cover

Home Insurance Plan

The company will cover the damages of the house in the HDFC ERGO Sampoorna Suraksha Policy if it is caused by any of the following:-

  1. Fire
  2. Lightning
  3. Explosion/Implosion
  4. Aircraft Damage
  5. Riot, Strike, and Malicious Damage
  6. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, and Inundation
  7. Impact Damage
  8. Subsidence and Landslide including Rockslide
  9. Bursting and/or Overflowing of Water Tanks, Apparatus & Pipes
  10. Missile Testing Operations
  11. Leakage from Automatic Sprinkler Installations
  12. Bush Fire
  13. Earthquake, Volcanic Eruption & Other Convulsions of Nature Loss

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