Health Suraksha Plan
Health Suraksha Silver plan by HDFC Ergo General Insurance comes with features like cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and all other major expenses of a similar nature.
You don’t have to pay even a single paisa from your own pocket in more than 5000+ network hospitals, for all the treatments that are covered by the policy. The insurer shall pay for your treatment directly to the hospital, maximum up to sum insured.
Insurance company will pay for more than 140 treatments that would require hospitalization for less than 24 hours (Due to advancement in Technology). Please refer the terms for exact list of procedures.
This plan covers all your hospital expenses incurred towards any diseases, room rent, hospital charges and doctor fees without any sub-limits.
Covers your medical related expenses for a period of 60 days before and 90 days after hospitalisation. The medical expenses should be related to the condition for which you were required to be hospitalised
You can cover the Medical Expenses, if you are bound to take treatment at home in case if you are not in a condition to be moved to Hospitals / Hospital room may not be available when needed / it involves medical treatment for a period exceeding 3 days.
Covers the expenses incurred from treatment through hospitalisation taken under Ayurveda, Unani, Homeopathy and Sidha. The same disease should be claimed for under allopathi treatment
In case of Organ Transplant, this plant covers the medical expenses of Organ Donor's treatment as well.
There is no restriction on the type of room you can take for the treatments you will take in the hospital.
You can claim upto Rs.2000/3200 as per plan opted for necessary transportation fares by Ambulance required for rescuing your health condition.
This cover pays medical expenses for delivery including Caesarean section or lawful medical termination of pregnancy while hospitalized. This is limited up to 2 deliveries. In order to avail this benefit you must have the policy for a period of 4 years continuously without any breaks.
If you are diagnosed with any of the critical illness mentioned in the policy document and if you survive for at least 30 days post diagnosis, you will be paid the critical illness sum insured as a lump sum amount.
In case the eldest member get Hospitalized, each and every continuous and consecutive day, he can get daily cash allowance, by choosing this cover. (Maximum upto 30/60 days per policy year).
Due to claim, if your sum insured exhausts during a given year, then you can regain 100% sum insured with this cover provided no claim bonus has been completely exhausted in that year.
You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.
Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.
It has been observed that a combination of conventional and alternative medical therapies quicken & aid the process of recovery. It relates to Ayurveda, Sidha, Unani and Homeopathy treatments. The expenses for such treatments are alternative treatment expenses.
There are mainly 6 types of medical expenses incurred as far as the organ donor is concerned: Organ screening for compatibility, Pre-hospitalization costs, Hospitalization Costs, Organ transplantation surgery, Post-surgery complications & recovery, Post Hospitalization Costs for the Donor
Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.
Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.
The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.
Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.
Domiciliary Hospitalization is the treatment of the patient taken at home due to lack of accommodation in the hospital/nursing home or the patient's condition being such that he/she cannot be shifted to the hospital
Many insurers these days provide health check up feature for its insured members per some number of years. Many insurers also provide these check-ups as cashless at their network hospitals
Hi Dr.Nandagopal, I am looking for a Health Insurance cover. Can you please brief me about this product
Health Suraksha offers a policy with period of 1 year and 2 years with basic sum insured per year ranging from Rs 3 to 10 lacs. It covers in-patient treatments, pre-hospitalization expenses, 144 day-care procedures, domiciliary treatments and many such expenses incurred during treatment. Also, a pre-policy check is required only if the individual is above 45 years in age. Also, there are multiple add on benefits to cover all the requirements.
Thank you so much for your help...
It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.
Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.
Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited
Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.
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