A Walkthrough of Features-cum-Benefits of HDFC ERGO Health Insurance

HDFC ERGO Health Insurance offers premium health care benefits to the insurer at over 5000 hospitals across India with the additional benefits like cashless hospitalization, extended no claim bonus, multiple flexible payment options. The policy covers both pre and post hospitalization expenses for individual as well as for the family. Below is the detailed explanation of individual plan under HDFC health Insurance:

Health Suraksha

HDFC ERGO Health Suraksha Plan is available at an affordable price for individual as well as for the family. This health insurance plan comes with an option to choose whether annual or two-year policy while the additional benefit is the cumulative bonus for each claim-free year.

Health Suraksha Gold                      

HDFC ERGO Health Suraksha Gold plan is an optimized version of Health Suraksha Plan, which has no specific age to enter. This affordable plan features health care benefits across over 5000 hospitals and can be renewed at any time. The policyholder gets Tax Benefits u/s 80D of the ITA. It covers medication fee, room rent, doctor consultation fee and more.

·         Insured Sum for Individual: 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, and 10 lakh

·         Insured Sum for family floater: 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, and 10 lakh

Note: HDFC ERGO Health Suraksha Gold Regain plan is an enhanced version of this very plan, which further has several additional benefits for a policyholder.

Health Suraksha Regain

HDFC ERGO Health Suraksha Regain plan comes with the optimized benefits of a health insurance plan. Not only is this plan affordable but also has a vast network of over 5000 hospitals along with the cashless facility. The policyholder gets Tax Benefits u/s 80D of the ITA and extended cumulative bonus for each claim-free year. Additional benefits on medication at the hospital, doctor consultation and more. Also, there is a particular age limit to enter the policy.

·         Insured Sum: 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, and 10 lakh

Health Suraksha Top Up Plus

HDFC ERGO Health Suraksha Top Up Plus plan adds on to any of your existing insurance-cum-mediclaim policy, thereby increasing the Assured Sum at a small cost. The policy plan has not exit date, which means the policyholder stays covered for the entire life. Both individual and family plans are available with a minimum of 1 and 2 years options. Additional Tax Benefits u/s 80D of the ITA.

Critical Illness Insurance

HDFC ERGO Critical Illness plan is suitable for health care and treatment bills, debt and recuperation payments, funds for the lifestyle change and more. The policyholder gets Tax Benefits u/s 80D of the Income Tax Act.

Critical Illness Platinum

HDFC ERGO Critical Illness Platinum plan specifically provides lump-sum benefits, which allows the policyholder to make payments of healthcare treatments, recuperation and debts, lifestyle change, and more. Additional Tax Benefits u/s 80D of the ITA.

Additional Benefits

HDFC ERGO Insurance has a considerable rate of claim settlement, including the HDFC ERGO Health Insurance, which made it eligible for iAAA rating by ICRA. The company has no sub-limit for room rent and medication across over 5000 hospitals in India. All the insurance products offered by the company have intuitive designs and are perfectly suitable for individual’s needs.

Authors Profile

Rosy Diana is a seasoned independent writer. Her explanatory and creative writing style helps understand the subject matter easily and offers tips, tricks and expert suggestions for health insurance policies.