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Health Insurance 815 views January 11, 2021
HDFC ERGO Total Health Insurance Plan will cover you and your family with a Sum Insured of INR 1-50 lakh. Under this, you will get Inpatient benefits like treatment arising from accidents or illnesses, pre-and post-hospitalization expenses, daycare procedures and more. You can also get an additional benefit of E-Opinion regarding a critical illness. Let’s read this page below and know more about HDFC ERGO Total Health Insurance Plan coverage and benefits.
Table of Contents
Note:- There is an added benefit of E-Opinion for critical illness only.
On the payment of an additional premium, you can avail of the following benefits to the HDFC ERGO Total Health Insurance Plan
Room Rent/Room Class Limit: Room, boarding expenses are subject to the following, if you opt for this benefit.
Particulars | Benefit |
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Default option | No room rent limit under all sum insured options |
Room Class based option |
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Per day limit option |
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The coverage under pre-and post-hospitalization benefits is extended or reduced to a limit as per your preference.
Ayush Benefits: The coverage under the policy will be extended to reimburse the medical expenses incurred for in-patient treatment undertaken in Ayush Hospital under Ayurveda, Unani, Sidha or Homeopathy.
Maternity Expenses: The policy is extended to reimburse medical expenses for a delivery including caesarean section when the insured person is hospitalized.
Outpatient Benefit: Coverage for the expenses incurred on outpatient treatment. And under this, the condition of minimum Hospitalization of 24 hours will stand deleted.
Outpatient Dental Benefit: Coverage for reasonable charges of any necessary dental treatment
Hospital Daily Cash: Payable on an illness or accident during the policy period
Cumulative Bonus: A maximum cumulative bonus of 50% of the Sum Insured in any Policy Year for a claim-free policy year
Spectacles, Contact Lenses, Hearing Aid: Non-medical expenses like Spectacles, Contact Lenses, Hearing Aid will be covered up to the In-patient Sum Insured.
Multiplier Benefit: This benefit will apply after every claim-free policy year, provided the policy is renewed without a break. Under this, a bonus of 50% of the Basic Sum Insured is provided, subject to a maximum of 100%.
Health Checkup Benefit (eye & dental examination): Reimburse the reasonable costs of a health check-up including eye and dental examination.
Co-payment: With this option, you can apply co-payment to your HDFC ERGO Total Health Insurance Plan.
Geographical Limitations: Change your HDFC ERGO Total Health Insurance Plan premium by choosing any one of the zones.
Waiting period for Pre-existing diseases: The 48 months waiting period for all Pre-existing Conditions will stand reduced.
Restore Benefit: When the Basic Sum Insured and Cumulative Bonus/Multiplier Benefit are exhausted due to claims, 100% of the Basic Sum Insured will be automatically available with this Restore Benefit.
Personal Accident: It covers Accidental Death, Permanent Total Disablement, and Permanent Partial Disablement