HDFC ERGO Health Insurance for Individual

Health Suraksha is the perfect ‘individual’ plan by HDFC ERGO. Health Suraksha is a 360 Degree insurance policy that comes with the feature of lifelong renewability. It promises uninterrupted medical treatment as well as unparalleled benefits. The plan covers inpatient treatment, pre & post hospitalisation, emergency ambulance expenses, organ donor expenses, and multiple other costs. Also available on the family floater basis, it is an affordable, high-coverage health insurance plan that one can ask for.

Key Features

• Vast sum insured options - Rs. 3 Lakh up to Rs. 10 Lakh
• 9,000+ network hospitals for cashless treatment
• No sub-limits on room rent & disease
• No restriction on entry age
• Long-term discounts
• Integrated wellness services
• Optional benefit of adding critical illness cover
• 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
• Maternity and newborn baby cover (Optional)
• Online policy premium payment
• AYUSH treatment covered
• Domiciliary treatment coverage
• Optional cover for Outpatient Dental Treatment & Spectacles, Contact Lenses, Hearing Aids Expenses, and others.

Eligibility

Anyone who is 91 days and above can purchase HDFC ERGO’s Health Suraksha plan. ​As far as a maximum entry age is concerned, there is none. Note that children below 5 years can be covered only if both the parents are covered under the Health Suraksha policy.

Exclusions

• Venereal or STDs
• Treatment of obesity or cosmetic surgery
• Self-inflicted injuries
• Illness or injury caused due to war
• Participation in defense operations, etc.

Want to uncover the Health Suraksha plan in detail? Kindly go through Policy Wordings carefully. If interested, you can also contact us at InsuranceDekho at 1800-1205-698.