HDFC ERGO Health Insurance for Kids

The significance of child health insurance is second to none and HDFC ERGO understands the same. It comes with the feature of covering your children at a lesser premium. However, both the parents have to be covered under the policy to get their child below 5 years of age covered. It offers coverage for inpatient treatment costs, pre-hospitalisation, and post-hospitalisation expenses, etc. What’s best is that there are no sub-limits on the hospital room rents, diseases, doctor fees, and hospital charges.

Key Features

• Wide sum insured range - Rs. 3 Lakh to Rs. 10 Lakh (family floater basis)
• Cashless treatment available at 9000+ network hospitals
• Coverage of newborn baby medical expenses within 90 days of birth
• No restriction on entry age
• Lifelong renewability
• ​E-opinion provided upon diagnosis of a critical illness
• 10% discount for two-year policy tenure
• 10% family discount on covering 2 or more family members under Health Suraksha on the individual sum insured basis, etc.

Scope of Coverage

• 60 days pre-hospitalisation covered
• 90 days post-hospitalisation covered
• 144 daycare procedures covered
• Transportation expenses for emergency ambulance
• AYUSH cover without any sub-limits
• Organ donor expenses covered
• Convalescence benefit
• Tax benefits under Section 80D of the Income Tax Act, etc.

Eligibility

To buy Health Suraksha Gold plan for the child (aged below 5 years), both the parents have to be covered under the policy in the first place. Note that any individual who is 91 days onwards can invest in the policy. However, register that there is no maximum entry age limit to purchase the Health Suraksha Gold plan. ​

Exclusions

• Accidents while participation in defense operations
• Adventure Sport injuries
• Self-inflicted injuries
• Treatment of Obesity or Cosmetic Surgery
• War accidents and illnesses, and others

Those willing to learn more about child health insurance by HDFC ERGO, kindly go through the Policy Wording to explore the details. If interested, you can also initiate contact with InsuranceDekho at 1800-1205-698 and get all your questions answered by one of our experts right away!