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HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising medical expenses. It is specifically designed for individuals, families, and senior citizens. This plan protects your family against unforeseen illnesses and accidental injuries. HDFC ERGO Health Suraksha offers multiple Sum Insured options, ranging from Rs. 3 Lakh to Rs. 75 Lakh, and is available in three variants: Silver Smart, Gold Smart, and Platinum Smart Plans.
HDFC ERGO Health Suraksha includes features such as in-patient hospitalization, pre and post-hospitalization, domiciliary hospitalization, and daycare treatment. Additionally, it offers exclusive benefits like Air ambulance cover, Recovery benefit, and Infertility cover, alongside Wellness benefits such as fitness discounts during renewal and health incentives for maintaining health. Flexible benefits include choosing room rent capping and co-pay to avail premium discounts. Discount options include family discount, long-term policy discount, and loyalty discount.
| PLAN DETAILS |
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My Health Suraksha Smart Plan |
Group Mediclaim Insurance Policy |
| Product Type | Individual and Family Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
15000 | 9100 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | - |
| Plan Entry Age | 18 Years to No age limit | 18 to 65 years |
| Plan Premium Entry Age and S/A | 7,800 | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual/Family floater | Group medical cover |
| Plan Sample Premium | 7,800 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1 year |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Not Covered | - |
| E Consultation | Not Covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Not Covered | - |
| Claim Ratio | 95.30 | 87.50 |
| Solvency Ratio | 2.00 | 2.35 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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