Health Suraksha Regain Plan
Introduction “Health is the soul that animates all the enjoyments of life, which fade and are tasteless without it”. Health Suraksha Regain plan covers you and your family against medical expenses. It covers your expenses at affordable rates. Key Features 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.
Claims settlement is hassle free with less documents and turnaround time. 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 Regain benefit cant be withdrawn on renewals.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 claim has already been paid in the present year.
A proposer has to fill up an `Application form/ proposal form with accurate medical history along with the address proof. In certain conditions, 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 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 Exclusions 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 and vaccination are not covered. HDFC Ergo partners with ItzCash for its General Insurance Instruments