Hdfc Ergo Koti Suraksha

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc ergo koti suraksha Plan, the room rent is covered

• Single Standard AC Room under Platinum Variant
• At Actuals under Titanium and Super Top-Up variants

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Hdfc Ergo Koti Suraksha?

Under the Hdfc Ergo Koti Suraksha Plan, ICU charges are covered at actuals.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Hdfc Ergo Koti Suraksha?

Under the Hdfc Ergo Koti Suraksha Plan medical expenses incurred during pre-hospitalization are covered up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc ergo koti suraksha Plan, medical expenses incurred during post-hospitalization are covered for up to 180 days.

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha, domiciliary hospitalization is covered.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha Plan daycare procedures are covered.

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Hdfc Ergo Koti Suraksha?

Hdfc Ergo Koti Suraksha does cover OPD expenses as value-added services.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Hdfc Ergo Koti Suraksha?

COVID-19 treatment is covered by Hdfc Ergo Koti Suraksha Plan.

A common eye condition in which your vision gets blurred.

Coverage status under Hdfc Ergo Koti Suraksha?

Hdfc Ergo Koti Suraksha Plan covers Cataract Treatment with sub-limit of Rs. 75,000 per eye.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha automatic restoration is available under Section A.

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Hdfc Ergo Koti Suraksha?

The daily hospital cash is available under Hdfc Ergo Koti Suraksha only in case of an accident up to Rs. 20,000 per day.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha, organ donor expenses are covered

• 5% of Sum Insured for Platinum plan variant
• At actuals for titanium and super top up plan variant

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Hdfc Ergo Koti Suraksha?

Under the Hdfc Ergo Koti suraksha Plan maternity expenses are not covered.

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Hdfc Ergo Koti Suraksha?

AYUSH Treatment is Covered Under Hdfc Ergo Koti Suraksha

• Rs 50,000 for Platinum plan variant
• At actuals for titanium and super top-up plan variant

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under Hdfc Ergo Koti Suraksha?

Under the Hdfc Ergo Koti Suraksha IVF treatment is not covered.

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha modern treatments are not covered.

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha Plan, Ambulance expenses are covered

• Up to Rs. 2,000 for the Platinum plan variant
• Up to Rs. 10,000 for the Titanium and Super top-up plan variant

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha Plan, Air Ambulance cover is available up to a maximum of Rs. 5 lacs. under emergency worldwide coverage which is an optional cover.

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Hdfc Ergo Koti Suraksha?

Under the Hdfc Ergo Koti Suraksha compassionate plan is not covered.

Any kind of medical/health emergency when you are outside of India.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha Global coverage is available for treatment of Major Illnesses as an optional cover.

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha, e-consultation is not covered.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Hdfc Ergo Koti Suraksha?

Under Hdfc Ergo Koti Suraksha second medical opinion is not covered.

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Hdfc Ergo Koti Suraksha?

Under the Hdfc Ergo Koti Suraksha Plan, vaccination expenses are not covered.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Hdfc Ergo Koti Suraksha?

Co-pay of 20% of each and every claim amount for fresh as well as renewal policies applicable under Hdfc Ergo Koti Suraksha.

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Hdfc Ergo Koti Suraksha?

Applicable under Hdfc Ergo Koti Suraksha.

• Cataract treatment - Rs. 75,000 per eye
• Road ambulance - Rs. 10,000
• Air Ambulance - Rs.. 5 Lac