HDFC ERGO Health Suraksha Gold

Key features of HDFC ERGO Health Suraksha Gold Insurance

• Room Rent: Payable at Actuals upto Sum Insured
• Co-pay: NIL for all treatment, Optional Co pay available between 10%-15%
• Restoration Benefit: Sum Insured Rebound upto 100% of Sum Insured per year

The policy will be issued for 1 year /2 years period

HDFC ERGO Health Suraksha Gold Coverage Description

Salient Benefits In-patient Treatment Covers hospitalisation expenses due to an illness or accident. We will pay for the medical expenses for Room rent, boarding expenses, Nursing, Intensive care unit, Medical Practitioner, Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, Medicines, drugs and consumables, Diagnostic procedures, Cost of prosthetic & other devices or equipments if implanted internally during a Surgical Procedure.

Pre- Hospitalisation The Medical Expenses incurred due to an Illness in 60 days immediately before the Insured Person was hospitalized

Post-Hospitalisation The Medical Expenses incurred in 90days immediately after the Insured Person was discharged post Hospitalisation.

Day care procedures The Medical expenses for 144Day care procedures which do not require 24 hours hospitalization due to technological advancement. We will also pay for Pre & Post Hospitalisation.

Domiciliary Treatment The Medical Expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required Hospitalisation.

Organ Donor The Medical Expenses for an organ donor's treatment in the event of organ transplantation. g. Emergency Ambulance –Expenses for utilizing ambulance in emergency upto a limit of ₹2000/3200 as per plan opted.

AYUSH Benefit Medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.

Optional Benefits (Available in selective Planson additional premium payment) Newborn baby Coverage for newborn from birth.

Maternity Expenses Medical Expenses for maternity including pre-natal and post-natal expenses after a waiting period of 4 years.

Outpatient Dental Treatment 50% of the Medical expenses for X-rays, Extractions, Amalgam / Composite Fillings, Root Canal Treatments and prescribed Drugs from 4th year onwards. Spectacles, Contact Lenses, Hearing Aid 50% of actual expenses for one pair of spectacles or contact lenses or a hearing aid excluding batteries every third year subject to being prescribed by a Network EYE/ENT Medical Practitioner.

E-Opinion in respect of a Critical Illness. Convalescence Benefit Lumpsum payment of 1% of the sum insured upto a maximum of `10,000 in an event of hospitalisation exceeding 10 continuous and completed days.

Optional Benefits (Available in selective Plans on additional premium payment) These benefits include Critical Illness, Regain Benefit, Hospital Daily Cash, Enhanced Cumulative Bonus etc.