HDFC Ergo Health Insurance-Health Suraksha

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Health Suraksha is a health insurance offered by HDFC Ergo. It covers insured for all medical expenses  due to any sickness or injury.

Benefits-

  1. In-patient Hospitalization – It covers hospitalization expenses including room rent, doctor/surgeon fees, nursing care, operation theatre charges, etc.
  2. Pre and Post Hospitalization- It covers medical expenses up to 60 days prior and 90 days after discharge from the hospital.
  3. Domiciliary Hospitalization- It covers the medical expenses for treatment taken at home, subject to a condition.
  4. Day Care Procedures- It covers 141 day care procedures/surgeries which do not require more than 24 hours of hospitalization.
  5. Ayush Benefit- It covers medical expenses for in-patient treatment under Ayurveda, Unani, Sidha or Homeopathy.
  6. Health Check-up- It covers cost of health check up cost up to 1% of sum insured, subject to a maximum of Rs.5,000/-
  7. Ambulance Charges- It covers ambulance charges up to Rs.2000/- in an emergency.
  8. Cumulative Bonus- It provides cumulative bonus of 5% on sum insured for every claim free year, subject to a maximum of 50%.
  9. Cashless Hospitalization- It provides cashless hospitalization service at over more than 4200 network hospitals across India.

Tax Benefit-
Premium paid is eligible for tax benefit under section 80D of the Income tax Act,1961.

Eligibility-

  1. Covers individual aged between 3 months to 65 years
  2. Available for an individual and for family
  3. Sum insured ranges are Rs.1Lakh, Rs.2Lakh and Rs.3Lakh