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hdfc student travel insurance HDFC ERGO Health Suraksha regain

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HDFC ERGO health insurance review

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Sum Insured

USD 30,000 to 5,00,000

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Claims settlement ratio **

85.97%

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Incurred claims ratio

62.00%

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Number of policies issued *

1,066,395

person
Number of lives covered *

96,05,000

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Tenure options

2 years

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List of network hospitals

10,000+ hospitals

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Maximum family floater coverage

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

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Brochure

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Policy Wordings

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* As per IRDAI report   |   ** As per NL25 data published on the Insurance Company website

HDFC ERGO of Health Suraksha Regain benefits

  • Suraksha health regain insurance benefit

    Regain benefit provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year
    • Basic sum insured will be re-instated only once in health insurance policy year.
    • If the Regain SI is not utilized in a policy year, it shall not be carried forward to any subsequent insurance policy year.
    • Regain benefit cannot be withdrawn at subsequent renewals.
    • Regain SI can be used for only future claims and not against any claim for an illness/disease(including its complications) for which a claim has been paid in the current policy year.
    • Get benefits on Income Tax under Section 80D of the Income Tax Act.
    • Enjoy hassle free claim procedures with least documentation and settlement times.
    • No Sub-limits on any disease, room rent, hospital charges and doctor fees.
  • Covered of HDFC ERGO Suraksha health regain insurance

    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
  • Key highlights of Health Suraksha Regain

    • Optimized health insurance plans at affordable cost.
    • A network of more than 6000+ hospitals to choose from to avail cashless services.
    • No limit for age at entry.
    • Sum Insured 3,00,000, 4,00,000, 5,00,000, 7,50,000 & 10,00,000.
    • AYUSH cover available without any sub limit.
    • Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured.
    • Option to choose from Individual or Family Floater Health Insurance plans.
    • REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion.
  • Discounts of Health Suraksha regain insurance

    • 10% discount for 2 Yr tenure of the policy.
    • Family Discount of 10% if 2 or more family members are covered under Health Suraksha on Individual Sum Insured basis.
  • Exclusions of Health Suraksha regain insurance

    • Any treatment within first 30 days of cover except any accidental injury.
    • 2 years waiting period for Particular Diseases and Treatment such as surgery on tonsils and sinuses, cysts, internal tumor etc.
    • Pre-existing conditions will not be covered for first 48 months.
    • Expenses arising from HIV or AIDS and related diseases.
    • Mental disorder or insanity, cosmetic surgery, weight control treatment.
    • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
    • Hospitalisation due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind.
    • Pregnancy, dental and external aids and appliances unless covered under specific Plans.
    • Terrorist activities, radioactivity or war.

HDFC ERGO health insurance FAQ's

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.

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

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