| Schedule of Benefits - Individual & Family Floater | |
| Basic Sum Insured per Policy Year | Rs. 3,00,000, Rs. 4,00,000, Rs. 5,00,000, Rs. 7,50,000 & Rs. 10,00,000 |
| In-patient Treatment | Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured |
| Pre-hospitalization | Medical costs incurred during 60 days prior to hospitalization are reimbursed |
| Post-hospitalization | Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed |
| Day Care Procedures | Expenses for 144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed |
| Domiciliary Treatment | The Medical Expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required Hospitalization on the advice of the attending Medical Practitioner, if the Insured Person could not be transferred to a Hospital or a Hospital bed was unavailable are reimbursed |
| Organ Donor | Medical costs for harvesting an organ donated are reimbursed |
| Emergency Ambulance (Limit per hospitalisation) | Upto Rs. 2,000 for SI 3,00,000, 4,00,000 & 5,00,000 AND Rs 3,500 for SI 7,50,000 & 10,00,000 reimbursed as ambulance expense during an emergency |
| AYUSH Benefit | Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed upto Sum Insured |
| Health Check Up | Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutive claim-free years |
| Regain Benefits | Provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus ) during the policy year |
| Enhanced Cumulative Bonus | The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim |
Looking at the healthcare inflation cost coupled with the lifestyle disease epidemic, health insurance is needed to help you pay for health care in the event of an unexpected illness or injuries. HDFC Ergo Health Insurance covers medical uncertainties and ensures quality medical treatment at the time of need.
The earlier the better, typically, when you are in your early 20's and you have just started earning Health insurance also helps in financial planning and offers wider coverage at a lower premium.
Your own health insurance means an all round cover that secures your medical needs. After a period when you are no more eligible to stay covered under your parent's policy, your own health insurance helps you at times of need.
Your ideal sum insured or total coverage would highly depend on factors such as your current age, lifestyle, medical history, income and place of residence. Looking at the medical inflation, most of our customers prefer a health insurance policy with a sum insured of 5 lacs and above.
Review HDFC ERGO Health Suraksha Regain insurance brochure to understand coverage details.
Know more »Review HDFC ERGO Health Suraksha Regain insurance policy wordings which explains the terms and conditions.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
Know more »HDFC ERGO Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 10,000+ Hospitals
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Know more »Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.
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