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  4. HDFC ERGO Health Suraksha Platinum Smart

hdfc student travel insurance HDFC ERGO Health Suraksha Platinum Smart insurance

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HDFC ERGO health insurance review

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Sum Insured

3 lac − 75 lacs

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Claims settlement ratio **

62.00%

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List of network hospitals

10,000+ hospitals

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Number of policies issued *

1,066,395

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Number of lives covered *

96,05,000

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Number of policies issued *

1,066,395

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Tenure options

2 years

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Maximum family floater coverage

Self, Spouse + dependent (children (upto 25 yrs) + parents)

HDFC ERGO Health Suraksha Platinum Smart benefits

  • Eligibility of Health Suraksha Platinum Smart

    • Any age entry option with lifetime renewal
    • Exclusive covers like Air ambulance cover, Recovery benefit, Infertility cover
    • Wellness features like Fitness discount@ renewal, Health incentives for maintenance of health
    • Flexi benefits like choosing room rent capping, co pay in order to avail discounts on premium
    • Various discount options to like family discount, long term policy discount, loyalty discount
    • Long term policy options up to 3 years with attractive premium rate

  • Coverages for Critical Illnesses Include

    Sr.No Covers
    Basic Sum Insured in Rs.    		 Platinum Smart
    20 Lacs/25 Lacs/50 Lacs/75 Lacs
    Hospitalisation Cover
    1 Medical expenses Covered
    1 Room rent At Actuals
    1 ICU At Actuals
    1 B Mental HealthCare Covered
    2 Home HealthCare Covered
    3 Domicilliary Hospitalisation Covered
    4 Pre - Hospitalisation Cover 60 days
    5 Post - Hospitalisation Cover 180 days
    6 Day Care Procedures Covered
    7 Road Ambulance Sum Insured 20 L to 50 L - 3,500
    Above 50 L - 15,000
    8 Oragan Donor Expenses Covered
    9 Alternative Treatments Covered
    10 Air Ambulance Cover Upto 5 lakhs
    11 Recovery Benefit Rs. 25,000
    12 Sum Insured Rebound Covered
    Renewal Benefits
    1 Cumulative Bonus 25% at each claim free year, max 200%
    2 Preventive Health Check Up Booster Bonus Covered
    3 my : Health Active Covered

Compare HDFC ERGO health insurance with other popular companies

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Hdfc Ergo vs New India Assurance Hdfc Ergo vs Oriental Hdfc Ergo vs Raheja QBE Hdfc Ergo vs Reliance Hdfc Ergo vs Royal Sundaram
Hdfc Ergo vs SBI General Hdfc Ergo vs Star Health Hdfc Ergo vs Tata AIG Hdfc Ergo vs Universal Sompo

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