HDFC Ergo My Health Suraksha Plan

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

Status under HDFC Ergo My Health Suraksha Plan?

Under HDFC Ergo My Health Suraksha Plan, the room rent is covered at the actual price.

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

Status under HDFC Ergo My Health Suraksha Plan?

Under this plan, ICU charges coverage is available covered at the actual price.

Medical expenses incurred before the hospitalization of the policyholder.

Status under HDFC Ergo My Health Suraksha Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

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

Status under HDFC Ergo My Health Suraksha Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 180 days.

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

Status under HDFC Ergo My Health Suraksha Plan?

Under HDFC Ergo My Health Suraksha Plan, domiciliary hospitalizations are covered.

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

Status under HDFC Ergo My Health Suraksha Plan?

This plan covers expenses of daycare procedures.

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Status under HDFC Ergo My Health Suraksha Plan?

Not covered under the plan.

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

Status under HDFC Ergo My Health Suraksha Plan?

COVID-19 treatment cover is not available under this plan.

A common eye condition in which your vision gets blurred.

Status under HDFC Ergo My Health Suraksha Plan?

The plan does not cover Cataract Treatment.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Status under HDFC Ergo My Health Suraksha Plan?

The plan offers a maximum of up to 200% of the sum insured.

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Status under HDFC Ergo My Health Suraksha Plan?

The plan does offer automatic restoration as an add-on cover offering instant addition of 100% basic sum insured on complete or partial utilization of your sum insured.

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Status under HDFC Ergo My Health Suraksha Plan?

Under the plan, Organ Donor expenses are covered.

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)

Status under HDFC Ergo My Health Suraksha Plan?

Not available

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

Status under HDFC Ergo My Health Suraksha Plan?

This plan covers ambulance charges as given below:

1. SI 3 lakhs to 5 lakhs - Rs. 2,000
2. SI 7.5 lakhs to 15 lakhs - Rs. 3,500
3. SI 20 lakhs to 50 lakhs - Rs. 3,500
4. Above 50 lakhs - Rs.15,000

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

Status under HDFC Ergo My Health Suraksha Plan?

Covered up to 5L depending on the SI opted by policyholder explained in the table

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

Status under HDFC Ergo My Health Suraksha Plan?

Not available

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

Status under HDFC Ergo My Health Suraksha Plan?

Not available

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

Status under HDFC Ergo My Health Suraksha Plan?

The plan does not cover the expenses for E-consultation.

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.

Status under HDFC Ergo My Health Suraksha Plan?

The plan does not cover expenses for Second Medical Opinion.

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.

Coverage status under HDFC ERGO Optima Restore Plan?

Not applicable

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 pay by the policyholder.

Coverage status under HDFC ERGO Optima Restore Plan?

No sub-limits are available.