HDFC ERGO Health Insurance for Parents

my:health Medisure Classic Insurance is an absolute health insurance choice for parents. Popular for providing maximum coverage it is a plan that covers most of the medical expenses in case of a medical emergency while offering lifelong renewability. It covers inpatient treatment, pre & post hospitalisation, and numerous other expenses. It also offers optional covers of Double Sum Insured for Critical Illness and Waiver of Room Rent Sub-limits on payment of additional premium. All in all, it is a huge health saviour.

Key Features

• Broad sum insured range from Rs. 1 Lakh to Rs. 5 Lakh
• No entry age restrictions
• 9000+ network hospitals for cashless treatment
• Preexisting diseases covered after 36 months of continuous coverage
• 10% co-payment for every claim for insured above the age of 80 years
• A 5% discount on 2 years policy duration
• A family discount of 10% on the total premium payable for covering more than 2 family members
• 5% cumulative bonus for every claim-free year sum insured on every renewal, etc.

Scope of Coverage

• Maternity cover
• Newborn baby cover
• Dependent children covered (till the age of 23 years)
• Daycare procedures covered
• Domiciliary hospitalisation
• Hospitalisation due to accident
• Ayurvedic treatment
• Recovery Benefit (value-added cover), and others.

Eligibility

my: health Medisure Classic Insurance plan features lifetime entry and renewals. If covering family under a policy, the minimum age at entry is 3 months for children and 18 years for adults.

Exclusions

• Preexisting diseases/illness/injury/conditions
• Genetic disorder and stem cell implantation/surgery
• War injuries
• Participation in defense operations
• Costs of donor screening and organ, etc.

If willing to learn more about the policy, kindly refer to the Policy Wording. If you have any questions for us, at InsuranceDekho, initiate contact at 1800-1205-698 and get your queries resolved right away!