Key Highlights

Cashless Treatment at 5000+ Network Hospitals

You don’t have to pay even a single paisa from your own pocket in more than 5000+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

Day Care Treatments

Insurance company will pay for more than 140 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

No Sublimits

This plan covers all your hospital expenses incurred towards any diseases, room rent, hospital charges and doctor fees without any sub-limits.

Key Product Benefits to Check

Pre and post Hospitalization

Covers your medical related expenses for a period of 60 days before and 90 days after hospitalisation. The medical expenses should be related to the condition for which you were required to be hospitalised

Expenses for treatment at home

You can cover the Medical Expenses, if you are bound to take treatment at home in case if you are not in a condition to be moved to Hospitals / Hospital room may not be available when needed / it involves medical treatment for a period exceeding 3 days.

AYUSH Benefit

Covers the expenses incurred from treatment through hospitalisation taken under Ayurveda, Unani, Homeopathy and Sidha. The same disease should be claimed for under allopathi treatment

Organ Donor's Treatment Expenses

In case of Organ Transplant, this plant covers the medical expenses of Organ Donor's treatment as well.

No Room Rent Limit

There is no restriction on the type of room you can take for the treatments you will take in the hospital.

Ambulance cover

You can claim upto Rs.2000/3200 as per plan opted for necessary transportation fares by Ambulance required for rescuing your health condition.

Exclusions to note

Pre exisiting diseases

In the first 4 years of subscription, HDFC will not pay for treating medical conditions that you may have been suffering from before purchasing the policy.

30 days waiting period

You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

2 years waiting period

This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 2 years.

Additional Covers Available

Maternity Expenses

This cover pays medical expenses for delivery including Caesarean section or lawful medical termination of pregnancy while hospitalized. This is limited up to 2 deliveries. In order to avail this benefit you must have the policy for a period of 4 years continuously without any breaks.

Critical Illness Benefit

If you are 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

In case the eldest member get Hospitalized, each and every continuous and consecutive day, he can get daily cash allowance, by choosing this cover. (Maximum upto 30/60 days per policy year).

Regain Benefit

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.

FAQ’s

What are the benefits offered by Health Suraksha?

With Health Suraksha plan you can enjoy maximum health benefits at the most affordable prices. The policy offers cashless hospitalization, reimbursement of expenses that may occur due to any illness or accidents and further extends to cover day care procedures, organ donor expenses, emergency ambulance, domiciliary treatments and AYUSH benefits.

What are the eligibility criteria for purchasing the policy?

HDFC ERGO's Health Suraksha plan is open for children from the age of 91 days onwards. Also, there is no maximum age limit at entry.

Is there any tax benefit?

Yes, you can avail tax exemptions up to a sum of Rs. 25,000 as tax benefit under 'Section 80D'. In case of senior citizens, you are allowed to avail tax exemption up to a sum of Rs. 30,000 under Section '80'

What is the procedure for reimbursement of medical expenses?

For reimbursement of medical expenses - (1) Register your claim with HDFC within 7 days of patient's discharge (2) Send the duly signed claim form and all the documents mentioned therein to us within 15 days of the occurrence of the incident. (3) After receiving the complete set of claim documents, HDFC will send the payment for admissible amount along with claim settlement statement within 30 days in the name of the proposer.