Insurance Plans August 29, 2020

HDFC ERGO My Health Medisure Classic Insurance Plan

Health Insurance Plans have become a basic necessity for many individuals. Due to the rise in health issues most of the individuals take a health insurance plan so that their savings remain intact. One such plan is the HDFC ERGO My Health Medisure Classic Insurance Plan in which you can enjoy various types of risk covers. There is no restriction for the age of entry because you can cover an individual having an age of 90 days. On the other hand, you can enjoy discounts on the premiums if you add more members to this insurance plan. So, you must explore the key features of this plan and see how it will benefit you.

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Key Features of Medisure Classic Insurance Plan

  1. Free to choose the amount of the sum assured at the time of inception of the policy.
  2. There is no maximum age of entry in this insurance plan.
  3. This plan also has maternity benefits and newborn baby benefits.
  4. AYUSH Treatments are also covered in this plan.
  5. You can renew this policy throughout your life.
  6. There is no need for a medical check-up until the age of 50 years.

Benefits of Medisure Classic Insurance Plan

Here are some of the benefits of this plan that you might find interesting. See the risks and expenses that are covered in this policy.

Day Care Treatment

There are some treatments that need less than 24 hours to be treated. So this insurance plan covers all the expenses incurred for such a treatment. There is no maximum limit for taking a day care treatment during the policy term.

Newborn Baby Cover

Sometimes an individual faces issues related to the newborn child. The newborn baby has complications at the time of delivery. So this insurance plan covers all the expenses done on a newborn child for up to 90 days from the date of birth.

Maternity Cover

This plan also covers the expenses incurred during maternity. You will get a cover of up to Rs.20000 for normal delivery and Rs.40000 for a C-Section Delivery. This plan covers both mother and her child but there is a waiting period of 4 years and you have to renew the plan every year.

Hospitalization Expenses

If in case the insured is hospitalized then the company will cover all the expenses incurred during hospitalization. The patient has to be hospitalized for more than 24 hours in order to enjoy this benefit of the plan.

Pre-Hospitalization and Post Hospitalization

You will also get a cover of pre-hospitalization and post-hospitalization in the HDFC ERGO My Health Medisure Classic Insurance Plan. All the expenses prior to 30 days of hospitalization and 90 days after hospitalization are covered in this insurance plan.

AYUSH Treatment Cover

Many individuals prefer Ayurvedic Treatment for a disease instead of taking any other treatment. SO the expenses incurred during the Ayurvedic treatment are also covered in this health insurance plan. The maximum cover capped annually for the AYUSH Treatment is up to Rs.25000.

Dependent Child Cover

You can also cover your children under the same insurance plan. A complete cover will be given to your dependent child if you add him to this policy. The maximum age of your child to be covered in this policy is until 23 years.

Discounts on Premium

The company will give you a discount of 10% on the amount of premium if you cover more than 23 family members under the same policy. On the other hand, if you take this plan for the policy term of 2 years then you will get a discount of 5% on the premium.

No Entry Restrictions

There is no maximum age of entry in this policy. You can add a member with the age of 90 days in this policy and there is no maximum limit for the age of entry in this plan.

Restore Sum Assured

If in case your Sum Assured gets exhausted during the policy term then the company will restore the Sum Assured. This sum assured will be given by the company to cover the hospitalization expenses occurring due to an accident.

Lifetime Renewability

You have the option to renew this policy throughout your life. There is no maximum age limit to take the policy. Whenever you feel that you might get a health insurance plan, you can directly apply for it on the official website of HDFC ERGO.

No Health Check-up

There are some health insurance plans that need a medical check-up at an early age. But in this plan, there is no need for a medical check-up until the age of 50 years. If you are taking this insurance plan after the age of 50 years then you will have to go through a medical check-up.

Waiting Period of HDFC ERGO My Health Medisure Classic Insurance Plan

  1. There are some specified illnesses that will be covered in this insurance plan after a waiting period of 24 months.
  2. There is a waiting period of 30 days in which you cannot make any claims accept for the accidental claims.
  3. If you are having any pre-existing disease and it will be covered after 36 months from the date of the inception of the policy.

Exclusions of this Plan

  1. Adventure and Sports Injuries
  2. Self-Inflicted injuries
  3. Damage done through Wars
  4. Participation of the Insured into Defence Operations
  5. Venereal and Sexually Transmitted Diseases
  6. Cosmetic Surgery
  7. Treatment of Obesity

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