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HDFC ERGO Health Suraksha Gold Policy Overview
“A healthy attitude is contagious but don’t wait to catch it from others. Be a carrier”. Health Suraksha gold plan by HDFC ERGO Health Insurance provides an umbrella for you and your family against medical expenses. It gives you financial stability when you or your family member is hospitalized. Key Features ofHDFC ERGO Health Suraksha Gold Plan 4800+ network hospitals to avail cashless service. It covers pre and post hospitalization expenses. 144 day care procedures (that doesnt need 24 hours of hospitalizations) are covered under this policy. Domiciliary expenses (treatment taken at home in case hospital beds are not available or patient is not in a situation to visit hospital) are also covered under this policy.
HDFC Health Suraksha GoldPremium Details
There are different sum insured available under this policy. Different sum insured options are: 3lacs, 4lacs, 5 lacs, 7.5 lacs and 10 lacs for individual policies. For family floater policy sum insured options are:3 lacs, 4lacs, 5 lacs, 7.5 lacs and 10 lacs. Premium amount will depend on the age and sum insured chosen by the proposer. HDFC Health Suraksha GoldPolicy Details Minimum sum insured: Rs 3, 00,000 Maximum sum insured: Rs 10, 00,000 Policy period: Proposer can either choose one year or two year as policy period. Free look period: If the policy holder is not happy with the terms and conditions of policy, he/she can cancel the policy giving the reason for cancellation of policy. Documents Required: Policyholder has to fill up an `Application form/ proposal form with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum insured and the age of the person. No medical checkup is required for a person of 45 years of age. Eligibility Criteria To BuyHDFC Health Suraksha Gold Children above 5 years can be covered provided their parents are also covered under this policy. There is no limit at age of entry. Inclusions in Health Suraksha Gold Plan By HDFC ERGO Health Insurance Exclusions in Health Suraksha Gold Plan BY HDFC ERGO Health Insurance A waiting period of 30 days for claims, other than bodily injury. Expenses incurred for tonsils, surgery are not covered for the first two years of policy period. Pre-existing diseases are covered after 48 months of continuous coverage from the company. Claims for diseases like sexually transmitted diseases, mental disorders and vaccination are not covered. Terrorism, war and radioactivity are not covered.
Benefits ofHDFC Health Suraksha Gold Plan
Claims settlement is hassle free with less documents and turnaround time. Cumulative bonus: sum insured is increased by 5 % on every claim free renewal and it can be increase up to 50% on continuous claim free renewals. Income tax benefit can be availed under section 80D. Cost of health checkup up to 1% of sum insured will be paid on 4 consecutive claim free renewals. If two or more members are covered under individual health suraksha gold policy, then a discount of 10% can be availed on HDFC Health Insurance premium.