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The Future Health Suraksha Plan is a health insurance policy designed to cover hospitalization and treatment costs, helping to protect your savings. It includes expenses such as hospital stays, daycare procedures, ambulance charges, and treatment for illnesses or accidents.
The plan also covers pre and post-hospitalization costs and offers benefits like health check-ups and cashless treatment at network hospitals. You can choose from different variants based on your budget and coverage needs.
It is a good option for families seeking affordable and basic health coverage, but the final benefits depend on the plan variant you select.
| PLAN DETAILS |
Future Health Suraksha Plan |
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Optima Restore Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | Child: 90 days - 25 years, Adult: 18 - 70 years | 5 to 65 years |
| Plan Premium Entry Age and S/A | 3383 | 8852 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Hospitalization expenses, pre and post expenses, daycare treatments, organ donor expenses, AYUSH treatment, ambulance cover | Individual & Family floater |
| Plan Sample Premium | 3383 | 8852 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1, 2 years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Not covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.5 | 95.30 |
| Solvency Ratio | 1.96 | 2.00 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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