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Health Suraksha Gold Regain Insurance
Overview Health is a relationship between you and your body. Health Suraksha Regain plan keeps alive the relationship between you and your body by protecting against medical expenses of untimely illnesses. It covers your expenses at affordable rates. The main benefit of buying this policy is that it gives you best protection in case of critical diseases and it doesnt have any sub limits on Ayurvedic treatments, domiciliary treatments and e-opinion is provided in case of critical illnesses. Key Features ofHDFC Health Suraksha Gold Regain 4800+ network hospitals to avail cashless service. It covers pre and post hospitalization expenses. Ayush covers is provided without any sublimit. There are two options available- Individual policy or Family floater policy. No sub limits on room expenses, hospital charges and ICU expenses.
Health Suraksha Gold Regain Policy Overview
There are different sum insured available under this policy. Different sum insured options are: 3lacs, 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 Gold RegainPolicy Details Minimum sum insured: Rs 3, 00,000 Maximum sum insured: Rs 10, 00,000 Policy period: There are two policy periods available for this policy. 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. Grace period:If the payment is due on renewal of the policy, grace period of 30 days is given to the policyholder to make the payment. Lifelong renewability: This policy can be renewed for lifelong.
Product Specification
There are different sum insured available under this policy. Different sum insured options are: 3lacs, 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 Gold RegainPolicy Details Minimum sum insured: Rs 3, 00,000 Maximum sum insured: Rs 10, 00,000 Policy period: There are two policy periods available for this policy. 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. Grace period:If the payment is due on renewal of the policy, grace period of 30 days is given to the policyholder to make the payment. Lifelong renewability: This policy can be renewed for lifelong.
Benefits
Claims settlement is hassle free with less documents and turnaround time. Enhanced Cumulative bonus: sum insured is increased by 10 % on every claim free renewal and it can be increase up to 100% 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 this policy, then a discount of 10% can be availed. 10% discount on premium if the policy period chosen is 2 years. Regain benefits: Under regain benefits health insurance sum insurance is regained in one policy period once it is exhausted. Under regain benefits it will only be reinstated once in a policy period. Regain benefit cant be withdrawn on renewals. Regain benefit is only available for other future diseases not for illnesses for which claims have already been paid in the present year.
Documents Required
To purchase the policy, a proposer needs 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 assured and the age of the person. No medical checkup is required for a person of 45 years of age. Eligibility criteria forHDFC Health Suraksha Gold Regain Policy BY HDFC ERGO 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 HDFC Health Suraksha Regain Plan by HDFC ERGO Exclusions inHDFC Health Suraksha Regain Plan by HDFC ERGO 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. Preexisting diseases are covered after 48 months of continuous coverage from the company. Claims for diseases like sexually transmitted diseases and vaccination are not covered.
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