HDFC ERGO Health Insurance for Family

A 360-degree health insurance plan, Health Suraksha promises smooth medical treatment during a medical emergency. This plan is available on family floater (including spouse, dependent children, and dependent parents) basis as well as an individual basis. It offers coverage for inpatient treatment, pre & post hospitalisation, domiciliary treatment, medical expenses for an organ donor, emergency ambulance, and other expenses. The plan is available for both 1 year and 2 years.

Key Features

• Sum insured range - Rs. 3 Lakh to Rs. 10 Lakh
• 9,000+ network hospitals for availing cashless treatment
• No room rent capping
• No disease sub-limits
• Optional benefit of critical illness cover
• Integrated wellness services
• A family discount of 10% if 2 or more members are covered
• E-opinion in case of a critical illness (optional benefit), and others

Scope of Coverage

• 60 days pre-hospitalisation cover
• 90 days post-hospitalisation cover
• Coverage for 144 daycare procedures
• Coverage for AYUSH treatment
• Maternity and newborn baby cover (Optional)
• Cover for Outpatient Dental Treatment (Optional)
• Convalescence Benefit (Optional)
• Hospital daily cash (Optional), etc.

Eligibility

The Health Suraksha plan doesn’t have a maximum entry age limit. Anyone above 91 day onwards can buy the policy. Note that children below 5 years are covered only if both parents are covered under the policy.

Exclusions

• Treatment of obesity and any weight control program
• Congenital external diseases, defects or anomalies, genetic diseases
• Injury or illness due to war
• Conditions for which hospitalisation is not required, and others
• Self-inflicted injuries, etc.

For more about product details and exclusions, kindly refer to the policy wording. You can also initiate contact at InsuranceDekho at 1800-1205-698.