LETS TALK!

Let us call you back. Just share your number for a call back in less than 15 minutes

+91
We can’t proceed without your mobile number. Help us?
Sigh. We need the reason for call back to pick the right person for the job. Help us?
OR

Is it super urgent? Call us on our Toll Free numbers

BTW, we respond to email queries with lightening fast speed. Send email instead?

THANK YOU FOR CHOOSING COVERFOX!

Someone from the team will get back to you ASAP!

HAVE AN AMAZING DAY!

Oh! Just in case you still need our Toll free

1800 209 9970
Also schedule a callback Also send an email
THANKS!

Your Claim Assistance request has been registered with us.

We will contact you before 11am tomorrow.

If its an emergency, for immediate assistance please feel free to contact our Customer Support Unit on 1800 209 9970

HDFC ERGO Health Suraksha Policy

HDFC ERGO Health Insurance

3.5/5 based on 27 User Reviews
HDFC ERGO General Insurance Company is a joint venture between HDFC Ltd and ERGO International AG, a Germany-based company. ERGO is a part of Munich group that is one of the largest insurance companies in the world. The HDFC ERGO Health Suraksha Plan is a unique plan that is designed to provide you with optimum health coverage at a reasonable price. The major benefit in this plan is that it covers hospitalization in the event of sickness and accident.
Need Smart Advice?
Schedule a call with our experts!
Please enter your name and a valid phone number
Thanks! We will get back to you soon.

Highlights of HDFC ERGO Health Suraksha Policy

  • There is no limit for entry age
  • You can enjoy a 5% bonus on Sum Insured for every claim-free year
  • There is no sub-limit on any disease, room rent and doctor fees
  • Policy offers lifelong renewability
  • You can avail a family discount of 10% if you have 2 or more family members covered under the plan on Individual sum insured basis

Scope of cover

Individual Plan

Entry Age

Minimum : 3 months

Maximum : No limit

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : 2

Sum Insured

Wide range of Sum Insured up to 10 lakhs


Discount

10% discount If 2 or more individual members are covered under same plan.


Policy Periods Available

1 and 2 years


Pre-Policy Medical Check-up

For individuals who are 46 years and above


Family Floater Plan

Entry Age

Children below 5 years are covered provided both parents are covered in the policy

Minimum : 3 months

Maximum : No limit

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : 2

Sum Insured

Wide range of Sum Insured up to 10 lakhs


Discount

10% discount If 2 or more individual members are covered under same plan.


Policy Periods Available

1 and 2 years


Pre-Policy Medical Check-up

For individuals who are 46 years and above


Important Features

Day Care Treatments

Due to scientific advancement, some surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.

No-Claim Benefits

In this policy, if you don’t make any claim, you earn 5% bonus on sum insured for every claim-free year

Organ Donor Cover

For expenses related to organ donation, this benefit covers 50% of the base sum assured, subject to maximum of 5 lakhs. Pre-hospitalization and post-hospitalization expenses won’t be borne by the company in this case.

Pre Hospitalization

The insurance company will compensate you for the medical expenses related to your hospitalization 60 days before the hospitalization.

Post Hospitalization

The insurance company will pay you for the medical expenses related to your hospitalization 90 days post hospitalization.

Restore Benefits

The base sum assured will automatically be restored if you exhaust the same during the policy period.

Good to Have Benefits

Health Check-up

You can get up to 1% of sum insured up to Rs. 5000 for a health check for consecutive 4 claim-free years.

Home Hospitalization/ Domiciliary Hospitalization

You can avail medical treatment at home up on the advice of a physician up to sum insured

Non- Allopathic Treatment Expense Cover

Pays for expenses for in-patient treatment that is taken under Homeopathy, Ayurveda, Unani and Sidha

Emergency Ambulance

This plan provides reimbursement of expenses incurred on emergency ambulance service provider.

ORGAN DONOR COVER

It covers expenses incurred in event of organ transplantation

Value Adds

FREE LOOK PERIOD

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

Add-on Covers

There are a wide range of optional benefits that you can avail under this policy by paying additional premium.

MATERNITY COVER

Pays medical expenses for delivery including Caesarean section or lawful medical termination of pregnancy while hospitalized. This is limited up to 2 deliveries, 1 delivery & 1 termination, 2 terminations. The insured must have the policy for a period of 4 years continuously without any breaks.

OUTPATIENT DENTAL TREATMENT

If your policy is renewed for three consecutive years without any break then from the fourth year onwards, you can receive 50% of costs for any dental treatment taken.

EYE COVER & HEARING AID

After third year of policy, you can get compensated up to 50% of cost of contact lenses, one pair of spectacles, and hearing aid.

CONVALESCENCE BENEFIT

If the period of hospitalization exceeds 10 consecutive days, you can get a lump sum amount towards convalescence.

CRITICAL ILLNESS BENEFIT

If you are first diagnosed with any of the critical illness mentioned in the policy document and if you survive for at least 30 days post diagnosis, you will be paid the critical illness sum insured as a lump sum amount.

HOSPITAL DAILY CASH BENEFIT

For every completed and continuous period of 24 hours that you get hospitalized, you can get daily cash allowance.

REGAIN OPTION

Due to claim, if your sum insured exhausts during a given year, then you can regain 100% sum insured with this cover provided no claim bonus has been completely exhausted in that year.

Terms & Conditions

Room Rent / Room Category

No limit

Co-Payment

Co-Payment can be availed If you are opting for renewal benefit then you cannot opt for co-payment

Note: In the case of family floater if the age of the eldest member is 61 years or more then the co-pay applies to all the members covered under the plan.

Sub-Limits

No sub-limits on room rent, doctor fees, and hospitalization expenses

Waiting Period

Cooling Off Period

A 30 days cooling off period for all claims except any arising out of accidental injuries.

Specific Illnesses

The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Arthritis, Hernia, Kidney Stone, and so forth.

Pre-Existing Illnesses

You can claim for any pre-existing conditions after 48 months from the policy start date.

Permanent Exclusions

The Plan will not cover any liabilities towards the treatments of following conditions-
  • Intentional self-injury
  • Mental illness
  • Cosmetic, aesthetic treatment
  • Dental surgery
  • AIDS
  • Pregnancy, childbirth, miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization.
  • Hospitalization out of war, riot, strike and nuclear weapons

Review of HDFC ERGO Health Suraksha Policy

This HDFC ERGO Health Suraksha policy features a wide range of sum insured that you can choose from. You can also opt for additional covers at a slightly higher premium as per your requirement. This affordable plan also does not have any sub-limits on hospital room rent, hospital charges, and doctor fees. The 10% family discount is another attractive feature that is present in this plan from HDFC ERGO.

**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

Health Insurance Policies @ Coverfox

Schedule a call with our experts!

Please enter a valid phone number
Thanks! We will get back to you soon.

I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.

Close