HDFC ERGO Health Suraksha Plan

HDFC ERGO General Insurance Company Ltd. is a joint enterprise between HDFC Ltd, India’s foremost Housing Finance Institution, and ERGO International AG, the topmost insurance company of the Munich Re Group. The company offers an assortment of numerous general insurance products which starts from Health, Home, Motor, Travel and Personal Accident plans for the retail customers with custom-made products. And Health Insurance is the most common and crucial insurance for all, as we need to ready for any untoward health incident that may put us under a huge financial burden. Health insurance plans with low premium will come as a saviour in those situations.

Presenting, HDFC ERGO Health Suraksha health plan, which will take care of yourself and your family its extensive range of benefits.

HDFC ERGO Health Suraksha plan has been categorized into three plans mentioned below that suit the requirements of individuals at different levels and you can choose the best one that will help meet your financial needs.

1. HDFC ERGO Health Suraksha- Silver Smart
2. HDFC ERGO Health Suraksha- Gold Smart
3. HDFC ERGO Health Suraksha- Platinum Smart

Let us see the main features of HDFC ERGO Health Suraksha as a Whole:

Multiple Sum Insured: You can choose a sum insured ranging from INR 3-75 lakhs

1. No limit in the Entry Age: There is no limit in the entry age under the plan
2. Coverage of certain selected expenses: You can get a cover for recovery, infertility and air ambulance
3. Flexible Benefits: Option to choose the limit of room rent or co-pay to avail the premium discount
4. Basket of Discounts: Several discounts prevail like long term plan discounts, family discounts, as well as a discount for your loyalty
5. 3 years term option: You can choose a 3-year term and pay a lucrative premium
6. The facility of Instalments: The yearly premiums can be paid in 3, 6 and 12 parts
7. Incentives for good health: You are entitled to get discounts for maintaining good health at the time of renewal
8. Pre-hospitalization expenses: Expenses are covered until 60 days before the admission to a hospital
9. Post-hospitalization expenses: Expenditures are covered until 180 days after release from the hospital
10. Domiciliary Hospitalization: Coverage of domiciliary expenditures
11. Road and Air Ambulance: Coverage for availing the road ambulance as per the plan chosen
12. Day Care Coverage: Coverage for daycare treatments
13. Cover for Organ Donor Costs: The benefit gives the coverage for expenses incurred on organ donation during hospitalization
14. Alternate Treatment: You can get cover for Ayus, Sidha, Unani, Homeopathy and Naturopathy treatments too
15. Recovery benefit:  Expenses of 10 successive and continuous days of hospitalization will be compensated
16. Wellness discount: You can avail Wellness Discount towards the renewal premium and the table is as follows:

    Healthy Weeks Accrued	Premium Discount (%)
    1-4	0.50
    5-8	1
    9-12	2
    13-16	3
    17-26	6
    27-36	7.50
    > 36	10%

17. Several Optional Covers: Many coverages like Child Care, Parent and Child Care Cover, Parent Care, non-medical cost cover, etc are also available
18. The benefit of Tax: Tax exemptions available under section 80D of the Income Tax Act

Eligibility under HDFC ERGO Health Suraksha

Exclusions under HDFC ERGO Health Suraksha

The main exclusions are listed as below under the plan: For further details, you can visit HDFC ERGO official site https://www.hdfcergo.com/health-insurance

1. Pre-existing diseases under HDFC ERGO Health Suraksha will be covered only after a 3-year waiting period
2. HIV or AIDS-related diseases
3. Illegal activity
4. Plastic or Cosmetic Surgery
5. Any expenses arising due to dangerous sports like racing, diving, scuba diving, etc.
6. Expenses under the influence of alcohol and drugs
7. Dental treatment, external aids, pregnancy and appliances
8. Hospitalization due to any chemical or biological weapon, war or an act of war, nuclear war and any radiation
9. Hereditary outside illnesses, mental disease, non-allopathic treatment, weight control treatments, etc.
10. New treatments
11. Sleeping disorders, Parkinson and Alzheimer

Claims under HDFC ERGO Health Suraksha

The claim process for HDFC ERGO Health Suraksha is hassle-free and user-friendly. You will need to submit the essential documents together with the KYC and NEFT details of the insured person and write to healthclaims@hdfcergo.com for cashless as well as reimbursement process. HDFC ERGO will keep you informed on the position of your claim and the same will be sent to either on your registered mobile number or email id.

Documents Required under HDFC ERGO Health Suraksha

Below is the list of documents needed for the claim:

1. Completed and signed Claim Form with HDFC ERGO policy number
2. Summary of Discharge in original
3. The final bill in original with the breakups, payment invoices and pharmacy invoices with prescriptions
4. Reports of all Investigations in original like any X-Ray, blood report or any other reports
5. Implant sticker or the invoice, if needed, the lens for cataract, etc
6. Documents after the treatment, if needed
7. Medico-Legal Certificate or MLC or FIR in case of an accident
8. Other appropriate and valid documents, if required
9. Details of NEFT of the insured person
10. Claims greater than INR 1 lakh: KYC form with a duplicate of anyone KYC document of the insured person like an Aadhaar card, driving license, passport, voter ID and the KYC Form

Stay protected financially with HDFC ERGO Health Suraksha and lead a tension free life with your family members. Analyze your needs, compare the benefits and choose HDFC ERGO Health Suraksha.