HDFC Ergo health insurance is a comprehensive solution for individual and families’ health care that covers the hospitalization charges, pre hospitalization and post hospitalization costs, day care treatments, expenses incurred by organ donors, ambulance charges, and more. HDFC Ergo health insurance product is branded as Health Suraksha.
Coverage’s under HDFC ERGO Health Insurance:
Under the Health Suraksha policy, the insured may also avail the Ayush benefit. Ayush benefit refers to the reimbursement of expenses incurred during inpatient treatment under Ayurveda, Homeopathy, Siddha and Unani .
Tax Benefit-
HDFC ERGO health insurance plan also allows tax benefits under section 80D, of up to Rs.15,000/- and for the senior citizens, tax benefit up to Rs.20,000/- under section 80D of the Income Tax Act,1961.
Eligibility-
Health insurance policy from HDFC ERGO is available on individual basis and on family floater basis. One may opt health insurance from different plans with sum insured amount ranging from 2Lakh to 4Lakh. Individuals falling in the age range of 3 months to 65 years can opt HDFC ERGO Health Insurance.
There are basically four policy plans to select from –
- The health policy includes following covers for the medical expenses for illness/disease/sickness and injuries- Hospitalization Cover – It covers for charges on hospital room rents, boarding costs, doctor’s/surgeon’s fees, charges for operation theatre, ICU expenses, medicine costs, diagnostic tests, etc.
- Pre and Post Hospitalization – The expenses incurred 60 days prior to hospitalization and 90 days post hospitalization.
- Pre-existing Illnesses – If an individual suffers from specific pre-existing illnesses, then they are covered after 4 continuous years of policy purchase.
- Day Care Treatments – HDFC ERGO Health Insurance covers technologically advanced treatments/surgeries that do not require hospitalization for more than 24 hours.
Under the Health Suraksha policy, the insured may also avail the Ayush benefit. Ayush benefit refers to the reimbursement of expenses incurred during inpatient treatment under Ayurveda, Homeopathy, Siddha and Unani .
Tax Benefit-
HDFC ERGO health insurance plan also allows tax benefits under section 80D, of up to Rs.15,000/- and for the senior citizens, tax benefit up to Rs.20,000/- under section 80D of the Income Tax Act,1961.
Eligibility-
Health insurance policy from HDFC ERGO is available on individual basis and on family floater basis. One may opt health insurance from different plans with sum insured amount ranging from 2Lakh to 4Lakh. Individuals falling in the age range of 3 months to 65 years can opt HDFC ERGO Health Insurance.
There are basically four policy plans to select from –
- Adult (Individual Plans),
- Adults (Family Floater Plans),
- Adults & 1Child (Family Floater Plans) and
- Adults & 2 Children (Family Floater Plans)
- More than 4500 network hospitals across India enabling cashless treatments and hospitalization.
- Entire family can be covered under one single policy.
- Medical check-ups not necessary up to the age 45 years.
- Cumulative bonus of 5% guaranteed after every claim free year.
