HDFC ERGO General Insurance

HDFC ERGO Health Insurance Policy: Healthcare expenditures are at an all-time high and show no sign of decreasing. Without adequate health cover, in the event of an unforeseen illness, you may have to shell out your hard-earned savings leaving you with a financial emergency. Health insurance plans, therefore, help you overcome this financial emergency by providing an affordable and comprehensive health cover.

HDFC ERGO General My Health Suraksha Silver Smart:

A health plan that takes care of all your medical needs at an affordable premium with a sum insured ranging from 3 to 5 lakhs which provides cashless hospitalization & health care facilities covering  In-Patient Treatment, Pre-Post Hospitalization, Sum Insured Rebound facility & other treatment-related expenses

HDFC ERGO General My Health Suraksha Gold Smart

This Plan offers optimum coverage towards most of your healthcare needs ensuring you remain protected With a sum insured ranging from 7.5 to 15 lacs, which provides cashless hospitalization & health care facilities covering In-Patient Treatment, Pre-Post Hospitalization, Sum Insured Rebound facility & other treatment-related expenses

HDFC ERGO General My Health Suraksha Platinum Smart

A high sum insured plan which will give a tough fight to the soaring medical expenses, my: health Suraksha Platinum Smart, with a sum insured ranging 20 to 75 lakhs which provides cashless hospitalization & health care facilities covering In-Patient Treatment, Pre-Post Hospitalization, Sum Insured Rebound facility & other treatment-related expenses

HDFC ERGO Health Suraksha Top Up Policy:

This top-up plan supplements one's existing primary health insurance cover by insuring one for a larger sum insured limit at a lower cost, thereby providing a wider coverage at a much lesser cost.

HDFC ERGO Critical Illness Policy:

This Critical Illness policy provides a lump sum amount to cover costs towards treatment, recuperation aids and also gives additional funds to take care of changes in lifestyle and loss of income due to decreased ability to earn.

HDFC ERGO Critical Illness Platinum Policy:

The Critical Illness Platinum plan covers 15 critical illnesses and provides a lump sum benefit amount on the first diagnosis after a 30-day survival period. It covers the cost of care, treatment; recuperation aids and provides funds due to change in lifestyle and decreased ability to earn.

HDFC ERGO General Insurance Policy Terms

Mentioned below are the terms of the health insurance plans offered by HDFC ERGO General Insurance. However, the terms can vary from HDFC ERGO General insurance plan to plan:

HDFC ERGO Health Insurance Plans Tax Benefits

The premium that you pay for your HDFC ERGO Health Insurance qualifies for income tax benefits as per the Income Tax Act. The below table shows the tax benefits that are available for the policyholders of the HDFC ERGO Health Insurance plans:

* Tax benefit is subject to changes in tax laws

Calculation of Premium for Health Insurance Plans Offered by HDFC ERGO General Insurance

Many factors affect the premium that you pay for your health insurance policy offered by HDFC ERGO Health Insurance Company. The awareness of the factors that affect the amount of premium you pay for your health insurance policy helps you to select a plan as per your budget and requirements. Below is the list of factors that affect the premium of your health insurance plan:

• Pre-Existing Medical Condition: Your pre-existing medical condition is one of the most prominent factors for deciding the premium of your health insurance policy. Many people with pre-existing diseases may get their insurance plans at a high premium or may get them rejected.
• Age: The amount of premium that you have to pay depends on your age as well. This means the older people have to pay more premium than the younger ones. This is because the older you are the more prone you become towards disease. Therefore, it is best to purchase a health insurance plan as early as possible.
• Sum Insured: The sum insured of your health insurance policy refers to the maximum amount that the insurance provider promises to pay for the health insurance policy. This means, the higher the value of sum insured the more premium you have to pay for your health insurance plan.
• Habits/ Lifestyle: Your habits and lifestyle as well decide the premium of your health insurance plan. Unhealthy lifestyles and bad habits such as excess drinking, smoking, tobacco chewing, etc. increase the premium of the health insurance policy as people with such lifestyles are more prone to diseases.

What Is Covered in HDFC ERGO Health Insurance Plan?

The health insurance policies offered by HDFC ERGO General Insurance provide the following coverage:

• Pre and Post Hospitalization: All the expenses of pre-hospitalization for up to 90 days of admission in the hospital are bear by HDFC ERGO Health Insurance. Moreover, the expenses of post-hospitalization for 180 days after discharge are also covered.
• In-Patient Hospitalization: Under this, the medical cost incurred because of the hospitalization of more than 24 hours is covered. This includes various expenses like room rent, doctor’s fees, expenses of nurses, charges of ICU, etc.
• Procedures of Day Care: The health insurance policy offered by HDFC ERGO General Insurance provides coverage for day care procedures.
• AYUSH Treatment: With all the above-mentioned expenses, the HDFC ERGO General Insurance as well provides coverage for the expenses that incur for the treatment under the AYUSH plan such as Unani, Ayurveda, Homeopathy, and Siddha.
• Expenses in Organ Donation: The insurance provider also covers the surgical and medical expenses of the organ donor during the organ transplant procedure.

What Is Not Covered in HDFC ERGO Health Insurance Policy?

The health insurance plans that are provided by HDFC ERGO General Insurance have the following exclusions:

• Injuries That Are Self Inflicted: Self-inflicted injuries cannot be claimed in this plan.
• Injuries That Are Caused by Adventure Sports: Injuries that are incurred because of or during participating in adventure sports are not covered in health insurance policy offered by HDFC ERGO General Insurance.
• War: The situations of war can be unfortunate and disastrous. However, the insurance policies offered by HDFC ERGO Health Insurance do not provide coverage for the same.
• Cosmetic Surgery or Treatment of Obesity: Cosmetic surgery and treatment for obesity are not covered under health insurance plans of HDFC ERGO General Insurance.
• STD (Sexually Transmitted Disease) or Venereal: The sexually transmitted diseases or venereal is not covered in an HDFC ERGO Health Insurance plan.
• Defense Operations Participation: Injuries that are incurred by participating or during any defense operation (army/air force/navy) are not covered.

HDFC ERGO Car Insurance Policy: These car insurance policies enable you to safeguard yourself against loss or damage to your car in situations like the uncertain risk of accident, theft, fire, earthquake, etc. and provide coverage for the liability that arises out of third party property damage.

HDFC ERGO Private Car Insurance Policy:

The Private Car Insurance plan is a financial safeguard to protect the car against damages, theft, and natural disasters. It also includes a third party liability, which covers claims by the third party when the insured car damages another person's property.

HDFC ERGO Commercial Vehicle Insurance Policy: This plan offers insurance to a wide range of commercial vehicles, protecting businesses from financial loss due to accidents or damage to the vehicles, and legal liability towards third parties for personal injury, death and property damage in case of an accident involving the insured vehicle.

HDFC ERGO Third Party Liability Only Insurance Policy:

The third-party liability insurance from covers legal liabilities arising from injuries to or damages sustained by third parties from the insured vehicle. The policy is available for both private and commercial vehicles insurance

HDFC ERGO Two Wheeler Insurance Policy: With so much happening around us on the roads, two-wheeler insurance should not be seen as an additional expenditure, but as a necessity. Buying two-wheeler insurance certainly helps you reduce your stress if you find yourself in an unwanted situation.

HDFC ERGO Two-Wheeler Insurance:

Purchasing two-wheeler insurance is mandatory by law and it also provides peace of mind. HDFC ERGO General Insurance offers two products - two-wheeler comprehensive insurance and two-wheeler liability only - multiyear policy.

HDFC ERGO Home Insurance Plans to give you the benefit of affordable coverage for your property and possessions against almost any eventuality.

HDFC ERGO Home Insurance:

The home insurance policy covers the superstructure as well as the belongings inside the house for up to 5 years. It also covers against man-made or natural disasters such as fire, lightning, explosion or implosion, floods, water inundation, storms, riots, strikes, earthquakes as well as burglary, theft, larceny, and terrorism.

HDFC ERGO Standard Fire and Special Perils Insurance:

This is a comprehensive home insurance policy protecting one’s property and possessions against almost any eventuality including risk due to fire, lightning, explosion, flood, storm, riot, strike, terrorism, earthquake, etc.

HDFC ERGO Travel Insurance Plans help you to explore and enjoy new destinations without any worries.

Travel Insurance Plan:

It is a comprehensive and affordable travel insurance policy for business and leisure travel offering benefits like cashless hospitalization, instant issue of policy, and 24x7 international helpline assistance without the need for any health check-up. The plan covers medical expenses, trip cancellation charges, loss due to damage or loss of luggage, flight accidents, and other related expenses on trips abroad. It comes in individual as well as family floater format. The family floater plan by HDFC ERGO travel insurance covers the insured and his/her spouse, up to the age of 60 years, and a maximum of two children from ages of 3 months onwards until the age of 21 years.

HDFC ERGO Student Travel Insurance:

Student Suraksha is a comprehensive, overseas student travel insurance policy designed for Indian students (between the ages of 16 and 35 years) studying abroad to ensure their financial security in case of emergencies.

HDFC ERGO Personal Accident: A personal accident policy is strongly recommended to everyone not only to protect their families in the event of a mishap like accidental death but also to cover disablement, leading to loss of earning capacity, at competitive premium rates. A personal accident cover is very effective in making you financially independent and ensures that you have a dignified future, no matter what happens.

HDFC ERGO General Insurance Company Limited offers a range of commercial insurance solutions catering to the corporate and business market. Commercial firms can choose from any of the policies as per their requirements.

• Knowledge Series
• Specialty Insurance
• Property & Misc Insurance
• Casualty Insurance
• Group Insurance

HDFC ERGO General Insurance Company Limited also offers insurance solutions for rural customers including farmers, dairy owners, and tradesmen.

• Agriculture Insurance
• Cattle Insurance