HDFC Health Suraksha Top Up Health Insurance
HDFC ERGO Health Insurance provide various health plans,HDFC Health Suraksha Top Up Health Insurance is one of them.“A little effort goes a long way”. Health Suraksha top up plan is like cherry on the top of your current plan. It provides extra coverage on your present health insurance plan on paying a small premium. It enhances your current plan and gives you an improved policy. Click Here To Read About HDFC Health Insurance
Key Features ofHDFC Health Suraksha Top Up Health Insurance Policy
It runs parallel to your current plan by enhancing your coverage or sum insured.
It covers pre and post hospitalization expenses.
Medical expenses of 140 day care (which do not require 24 hours hospitalization) treatments are covered.
This cover will start once the deductible (expense which is incurred by the insured before the insurer starts paying) amount is exhausted.
Cashless services can be availed in case of emergency.
There are different sum insured available under this policy. Different sum insured options are: 2 lacs, 3lacs, 4lacs, 5 lacs.7.5 lacs and 10 lacs.
Premium amount will depend on the age and sum insured chosen by the proposer.
There are different deductibles available that can be chosen by the proposer. Deductible is an amount that is incurred by a policyholder.
For example: Policy holder has chosen a deductible amount of Rs 1 lac on sum insured of 10 lacs. Suppose claim occurs for Rs 3 lac in that case 1 lac rupees will be incurred by insured and Rs 2 lac will be incurred by insurance company.
Deductible and premium table is as follows for a sum insured amount of Rs 10 lac (for individual):
Similarly coverage is available for family and different sum insured. So premium for other sum insured will depend on age, deductible and coverage (whether individual or family members also covered).
Policy Details ofHDFC Health Suraksha Top Up Health Insurance Plan
Minimum sum insured: Rs 2, 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. Policy can be withdrawn within 15 days from the date of commencement.
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.
Portability: Policy can be transferred from one insurer to another as per IRDA guidelines. Portability benefits will be given on the basis of previous policys sum insured.