Secure your health with HDFC ERGO Health Insurance

In today’s time, health is like a two sided coin wherein one side is the increase in life expectancy due to advancement in medical science and other is the constant risk faced by individual that they could be prone to illness/disease due to serendipity lifestyle and eating habit. Medical insurance is a boon considering the skyrocket treatment costs and the quality of treatment desired by individuals.

Various general insurance companies have come up with health insurance plans. Among all of them, HDFC Ergo offers the best plan and the variations in plans suits to the pocket of every person.

Broadly, the health insurance plans are categorized into two sections :

1. Indemnity Plan
2. Lump sum Plan

INDEMNITY PLAN

Indemnity plans reimburses the factual i.e. real financial loss suffered by the policy holder. This coverage is however, subject to the sum assured limit.

Common features provided by HDFC ERGO under the indemnity plans are :

• Coverage of pre hospitalization and post hospitalization expenses
• Expenses of emergency ambulance
• Benefit of cumulative bonus
• Medical check-up
• Cost of in-patient treatment
• Benefit of AYUSH (non-allopathic treatment)

Plans offered by HDFC Ergo under the indemnity health insurance are as follows :

1. Health Suraksha

Main features :

• Cumulative bonus after each claim free year
• Health check-up costs covered after 4 years of no claim
• No capping on room rents, doctor fees, hospital costs and specified diseases.

2. Health Suraksha with regain and Enhance Cummulative Bonus (ECB)

Along with the basic features provided by the health suraksha plan, the additional advantage provided by this plan is :

• Policy holder gets automatic availability of the sum assured in case it gets exhausted.
• Cummulative bonus is enhanced to 10% up to a maximum of 100% of the original sum assured.

3. Health Suraksha Gold

Additional benefits provided by this plan is

• Maternity benefits (though it has a waiting period of 4 years)
• Insurance cover to the new born baby
• Expenses of the recuperating phase i.e. the recovery phase is covered if the policy holder was hospitalized for a period exceeding 10 days.
• E-opinion provided in case diagnosed with critical illness

4. Health Suraksha Gold with regain and ECB

Along with the features provided for health suraksha gold plan, additional benefit of this plan is :

• Provides availability of basic sum assured in case it gets exhausted.
• Cumulative bonus is of 10% every year up to a maximum of 100% of sum assured.

5. My health medisure classic

Main features :

• Discount of 5% in case policy bought for 2 years
• Restoration of sum assured in case it gets exhausted due to accident.
• Covers maternity and new born

6. My health medisure super top-up

This policy can be bought with the existing insurance cover and provides enhanced coverage at low premiums. It can be bought even if you don’t have an already existing health insurance.

• No medical tests required up to 55 years of age provided you have no Pre-Existing disease
• Premium is constant at 61 years of age and above.
• Policy can be renewed for life.
• Discount of 10% on the premium if two or more than two members are covered for individual sum assured (in same policy)

LUMP SUM PLAN

Lump sum plan is a unique plan in which the policy holder is paid a lump sum amount i.e. the entire sum assured if any of the covered illness or disease occurs. HDFC Ergo offeres two plans under the lump sum plan category.

1. Critical illness Silver

In this plan, 9 illnesses are covered, they are :

1. Stroke
2. Failure of Kidney
3. Organ transplant
4. Bypass surgery
5. Paralysis
6. Aorta graft surgery
7. Multiple sclerosis
8. Heart Attack
9. Cancer

Upon the diagnosis of any of the above illness, the policy holder will be provided a lump sum amount to avail the treatment.

Additional benefits are :

• Takes care of expenses incurred during treatment and recovery phase
• Provides income lost due to aging factor and money for reasons like change in lifestyle

2. Critical illness Platinum

This plan is same as the silver plan. The additional benefit is it covers 15 illnesses (i.e. 9 illnesses of the silver plan + Additional 6 illnesses). Below are the additional illnesses covered :

1. Parkinson’s disease
2. Liver disease (last stage)
3. Alzheimer’s disease
4. Replacement of heart valve
5. Benign brain tumor
6. Preliminary pulmonary arterial hypertension

With so many benefits under each plan offered and pocket-friendly options provided by HDFC ERGO, deciding to buy a health cover has become very simplistic task. You can buy a health cover online and calculate your premium with the help of premium calculator tool available online on the website of HDFC Ergo.