HDFC ERGO My:Health Suraksha

Tax Benefits

• You can avail of the Income Tax benefits under Section 80D of the Income Tax Act. * Subject to change in Tax laws

Waiting Period

• 30 day waiting period
• 2 year waiting period for Specific Illnesses and Treatments like internal tumours, cysts, surgery on tonsils and sinuses etc.
• Pre-existing conditions ( until 48 months of continuous coverage)

Network Hospitals

• Service Points: You can make cashless claims across more than 10,000+ network hospitals in India.

Specific Exclusions

• Self-destruction or self inflicted injury, attempted suicide or suicide
• Any breach of any law with criminal intent
• War or any act of war
• Any claim arising out of the use of drugs and alcohol
• Plastic surgery or cosmetic surgery, unless necessary as a part of medically necessary treatment
• All preventive care, vaccination including inoculation and immunizations

Renewability and Coverage

• In-patient Treatment
• Pre-hospitalization
• Post-hospitalization
• Day Care Procedures
• Domiciliary Treatment
• Organ Donor
• Emergency Ambulance (Limit per hospitalisation)
• AYUSH Covers inpatient hospitalization expenses under Ayurvedic ,Unani ,Sidha & Homeopathy Upto the policy Sum Insured
• Cumulative Bonus (CB)
• Health check Up
• You must renew your HDFC ERGO Health Suraksha policy to take advantage of the cumulative bonus and continue the benefits you receive for any pre-existing illness from your previous policy with us.
• Wide coverage: You can choose an individual Health Suraksha scheme or a Family Floater health insurance policy according to your requirements. The coverage is optimal and comes at an affordable price.
• Time Period: You can opt for a HDFC ERGO Health Suraksha policy that runs for a time period of one or two years (With Life time renewability) .

Additional Benefits

• A Critical Illness Insurance Policy and get a lump sum amount required to treat critical illnesses and pay for associated treatment.
• A Private Car Insurance Policy that ensures your vehicle is safeguarded no matter what the mishap.
• A Personal Accident Policy that protects you when you get sick in India and offers you Personal Accident Cover worldwide.
• Bonus: If your policy is claim-free you are entitled to a cumulative bonus.
• Included Health check up: HDFC ERGO Health Suraksha will provide for at the cost of a health check up if you have completed 4 years without making a claim.
• Quick processing: Once you decide to purchase the HDFC ERGO Health Suraksha, the turnaround time of delivering your policy will be quick. Even the claims procedure is very straightforward.