HDFC ERGO has been a very popular name in the Indian health insurance sector, so much so that the company is scored as the 4th largest general insurance company in India. HDFC ERGO Health Insurance Policies are offered and developed by HDFC ERGO General Insurance Company Limited. Since its introduction in 2002, the company has enlarged its network as many as 89 cities and the complete work is carried out by 109 branches across India.
HDFC ERGO Health Insurance – overview
Like other companies, it also offers a wide range of plans that cover both individual and family needs. These plans have an affordable range of the premium and have other benefits like cashless and reimbursement settlements. One of the important advantages the company will offer you is a wide choice of empanelled hospitals above 5000 names. This wide area of network gives you a certain flexibility to choose the medical attention as per your preference.
The types of Insurance policy offered by the company:HDFC EGRO generally divides its insurance policies under two major segments. These are:
Indemnity Health Insurance Policy – the company compensates the actual amount incurred by the policyholder for medical expenses.
Lump Sum Payment Health Insurance Policy – under this policy, the insured will get the amount on the occurrence of illness or accident. This proves to be a great help to meet even small expenses. Terms and conditions are applied.
The insurance policies designed by HDFC ERGO
- HDFC Health Suraksha Health Insurance Policies
- HDFC Health Suraksha Gold Insurance Policy
- HDFC Health Suraksha Regain Insurance Policy
- HDFC Health Suraksha Gold Regain Insurance Policy
- HDFC Health Suraksha Top-Up Insurance Policy
- Critical Illness Insurance Policies
- Critical Illness Platinum Insurance Policies
HDFC Health Suraksha Health Insurance Policies
Both individual and family floater health insurance plans are available under this policy term. The entry age of the insurance is 3 months to 55 years. One can renew the plan up to 65 years. The offerings are many under this plan starting from the coverage benefits to the claim free bonus.
- You can buy the plan as per 1 or 2 years basis according to your needs.
- You will get a cumulative bonus as the form of 5% enhancement of the sum assured for every claim free year.
- It covers alternative treatments – Ayurveda, Yoga, Unani, Homeopathy (AYUSH)
- There is no sub-limit for expenses like room rent, doctor fees, and hospital expenses.
- It has 2 years waiting period for certain diseases.
- Tax benefits under 80D of the Income Tax
HDFC ERGO Health Suraksha Gold Plan
There is no age limit for availing the benefits of this plan and it can also be renewable for lifetime. The policy can be both individual and family floater plans.
The key features of this plan:
- It does not have any age limit>
- The sum insured amount differs for an individual health plan and a family floater health plan
- Provides maternity benefits and new born baby coverage.
- Offers reimbursement for expenses incurred in transportation related to hospitalization.
There are other benefits also, which are indeed helpful for those who are looking for a complete coverage.
To get the complete information about this plan, please visit the official website of the HDFC ERGO. Compare the policy first and then buy.
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Published By
Subhra Bera
www.basic-healthinsurance.com
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