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HDFC ERGO Day2Day Care Health Insurance

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HDFC ERGO Health Insurance
Day2Day Care Policy
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

About HDFC ERGO Day2Day Care Health Insurance

Day2Day Care Policy is a unique medical insurance plan that helps you manage your daily medical expenses seamlessly through the integrated network of outpatient service providers. The policy offers 100% cashless redemption for outpatient expenses at the network hospitals. These expenses can be related to physiotherapy, annual health check-up, expenses related to medicines, etc. You can seek benefits under the policy if you are aged between 91 days and 65 years. The maximum entry age for an adult is 18 years whereas for a child, it is 25 years. The policy comes in two variants namely Silver and Gold that come with different benefits. The good news is that there are no waiting periods under the policy.

You can buy Day2Day Care Policy either on an individual basis, or on a family floater basis. In a single individual policy, a maximum of 6 members can be covered, on an individual sum insured basis with a maximum of 4 adults and 5 children. Whereas on a family floater basis, a maximum of 4 members can be covered with a maximum of 2 adults and 3 children. The policy is available for terms of 1 year or 2 years and offers several benefits apart from the coverage benefits, to the insured. These include tax benefits on the premium paid for the policy, lifetime renewability benefit, no waiting period, portability benefits, grace period benefits, etc.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Outpatient consultations by a general or specialist medical practitioner(s) at network centres without any limit
  • Outpatient diagnostic tests, vaccination, and pharmacy
  • Physiotherapy undertaken by the insured
  • Cost of medicines, for upto the specified amount as per schedule
  • Annual Health Check-Up (applicable to Gold plan only)

What's Not Included

  • Expenses arising due to the insured committing or attempting to commit a breach of law with criminal intent
  • Treatment for Alcoholism, drug or substance abuse
  • Intentional self-injury, harm, or suicide attempt while sane or insane
  • Expenses arising due to in-patient treatment
  • Expenses arising due to daycare procedures

9552 HDFC ERGO Cashless Network Hospitals in India

Choose HDFC ERGO Critical Illness Plan

Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Day2Day Care Policy Health Insurance Plan

  • What are the features that make HDFC Ergo Day2Day Care Policy unique?

    Following are the highlights of Day2Day Care Policy: 

    • It covers all inevitable outpatient expenses from day one
    • You get 100% cashless redemption for outpatient expenses, if the services are availed at the network providers 
    • If covered under the policy, your claim will not be rejected on the basis of current health status 
    • You get cover for unlimited general and specialist doctor consultation at our network providers 
  • What are the member combination options available in single individual policy HDFC Ergo Day2Day Care Policy?

    If purchased on a single individual basis, you can be covered in the following combinations: 1A, 1A+1C, 1A+2C,1A+3C, 1A+4C, 1A+5C, 2A, 2A+1C, 2A+2C, 2A+3C, 2A+4C, 3A, 3A+1C, 3A+2C, 3A+3C, 4A, 4A+1C, and 4A+2C only. The 4 adults can be a combination of self, spouse, either set of dependent parents/parents-in-law. 

     

  • What are the member combination options available in single family floater policy HDFC Ergo Day2Day Care Policy?

    A maximum of 4 members can be covered in a single family floater policy with a maximum of 2 adults and 3 children. The member combinations offered in a single family floater policy are: 1A+1C, 1A+2C, 1A+3C, 2A, 2A+1C and 2A+2C only. The 2 adults can be self and spouse. Note that the dependent parents/parents-in-law are required to be covered in a separate policy. 

  • What is the tenure for Day2Day Care Policy?

    Day2Day Care Policy can be purchased for 1 or 2 years, and the sum insured and benefits of the policy shall be applicable on the basis of policy year. 

  • Will I be eligible for tax benefits on the premium paid for Day2Day Care Policy?

    Yes. You can avail tax benefits on the premium paid for Day2Day Care Policy, under Section 80D of the Income Tax Act, 1961. 

     

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