HDFC ERGO Equi Cover Health Insurance Plan

HDFC ERGO Equi Cover Health Insurance plan is a unique medical plan focusing on the needs of specially-abled individuals and people with HIV/AIDS. The health plan has been created under the Rights of Persons with Disabilities Act of 2016 and The Mental Healthcare Act of 2017. Through this plan, any expenses incurred for hospitalisation, illness or accident.

HDFC ERGO Equi Cover Health Insurance Plan
Categories	Benefits
Sum Insured	Rs. 4 Lakhs and Rs. 5 Lakhs
Policy Tenure	1 Year
Network Hospitals	12000+
Incurred Claim	97.47%
Pre-Existing Diseases Waiting Period	4 Years
Specified Diseases Waiting Period	2 Years
Initial Waiting Period	30 Days

HDFC ERGO Equi Cover Insurance Plan: Benefits

The following are the benefits of the HDFC ERGO Equi Cover Health Insurance Plan:

In-patient Care Benefit

The HDFC ERGO Equi Cover Insurance Plan covers the expenses incurred when the insured is admitted to the hospital. The costs include the charges for room rent, boarding and nursing expenses, as well as other costs like ICU, surgery, diagnostic tests and additional charges.
Pre-Hospitalisation Benefit

This health insurance plan created by HDFC ERGO provides the insured individual with pre-hospitalisation benefits for 30 days. It is provided until the insured is admitted to the hospital for in-patient care.
Post-Hospitalisation Benefit

The post-hospitalisation benefit from the HDFC ERGO Equi Cover Plan, the insured can claim for expenses incurred for all in-patient care. The claim can be filed up to 60 days from the date the insured has been discharged from the hospital.
Modern Treatment Benefit

Another benefit of the HDFC ERGO Equi Cover Health Plan is the modern treatment benefit. Through this benefit, the insured is provided 50% of the sum insured amount as either in-patient or daycare procedure methods while admitted to the hospital. It applies to surgical procedures like stem cell therapy, oral chemotherapy, deep brain stimulation, etc.
Tax Benefits

The HDFC ERGO Equi Cover Insurance plan provides the insured with tax benefits under Section 80D of the Income Tax Act. It applies to the premium amount paid by the insured for each year of the insurance.

HDFC ERGO Equi Cover Plan: Eligibility Criteria

HDFC ERGO Equi Cover Insurance Plan
Parameters	Eligibility Criteria
Minimum Entry Age	Adult 18 Years Child - 1 Day
Maximum Entry Age	Adult 65 Years Child 17 Years
Coverage Type	Individual
Renewability	Lifelong

HDFC ERGO Equi Cover Plan: Inclusions

All the inclusions of the HDFC ERGO Equi Cover Plan have been listed below:

Cataract: If the insured undergoes cataract surgery, then through the HDFC, the ERGO Equi Cover Insurance plan will pay for the expenses. It is important to remember that the cost for each eye that is operated is limited to Rs. 40,000.
Emergency Road Ambulance: Through this inclusion, the insured is eligible for an emergency road ambulance, depending on their medical condition. The insured will be transported from the injured area to the nearest hospital. This inclusion's maximum limit is Rs. 2000 for each hospitalisation.

HDFC ERGO Equi Cover Insurance: Exclusions

Any form of respite or care and rehabilitation
Weight-loss treatments or bariatric surgery
Gender change surgery or treatment
Any plastic or cosmetic surgery except for medically necessary procedures
Adventure sports or hazardous activities
Consumption of non-prescribed dietary substances
Vision issues like refractive errors of the eye at less than 7.5 dioptres
Any form of unproven treatment that lacks medical proof or documentation
Maternity or infertility treatments

FAQs

Q. Is the HDFC ERGO Equi Cover Health Insurance plan a good insurance plan?

Ans: The HDFC ERGO Equi Cover Health Insurance plan is a good purchase. It is created explicitly for specially-abled individuals or contracted blood-borne illnesses like HIV/AIDS. HDFC ERGO aims to foster a sense of inclusivity and equity among policyholders through this insurance plan.
Q. What is the grace period for the premium payment within the HDFC ERGO Equi Cover Insurance plan?

Ans: The grace period for the HDFC ERGO Equi Cover Health Insurance plan depends on the mode of payment chosen by the insured. If they have selected to pay for each year of the insurance, a fixed duration of 30 days is available as the grace period. On the other hand, for any different mode of payment, the grace period is 15 days.
Q. Are any co-payment clauses included in the HDFC ERGO Equi Cover Health Insurance Plan?

Ans: Yes. A co-payment clause is included in the HDFC EGO Equi Cover Insurance plan. According to the clause, each claim filed will have a co-payment of 20% applicable to the admissible claim amount. It is payable according to the policy's terms and conditions and can be removed after paying an additional premium amount.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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