HDFC ERGO Health Insurance

Nowadays, good health is like a boon. With the increase in pollution, change in our lifestyle, reliability on the processed and packed food, we do not even have time to look at our habits which are directly challenging our health. After any health-related issue, we blame ourselves or different acts of carelessness by others.

We try to change everything just after one incident. But, Rome was not built in a day. Same as this idiom, your healthcare awareness that arises just in one day cannot help you in taking your good health for the long term. There is whole planning that is required for you to achieve the goal of healthy and planned medical care.

You may start drinking gallons of water daily, start eating healthy and fresh, hit the gym. But, there are various diseases which come unannounced and are unavoidable. Such disease requires the latest technology and trained specialist for treatment. It might create a big hole in the pocket of an individual.

The economic expense that arises due to medical care is so high that at times, people even take a loan for the medical treatment. Then what to do? Health insurance is the best option to choose for economic safety, peaceful assistance, and guidance for best medical treatment. Health insurance not only gives peace to you but also to your family or loved ones, who have to take care of everything when you are ill. HDFC ERGO Health Insurance policy is the best answer to ensure security cover.

HDFC Ergo has a trusted brand reputation which is trusted by millions of Indians. They have a customer base of over 75 lakhs and the brand has iAAA’ rating by ICRA indicating its highest claim paying ability capability.

• HDFC Ergo provides 24/7 customer support along with a completely hassle-free experience which is very important.
• HDFC Ergo has a huge list of network hospitals that offer valuable facilities like cashless treatment to the policyholders- over 10000 across India.
• HDFC ERGO Health insurance is flexible and designed in a customized way to give the best treatment to the policyholder.

HDFC ERGO my: health Suraksha Insurance

HDFC my: Health Suraksha Insurance is a newly launched healthcare plan. The plan aims to offer wider cover without any restrictions. It is an effective healthcare plan which takes care of all your medical needs at an affordable premium.

Variants of Plan

• Base plan: my: health Suraksha Silver Smart Plan from HDFC ERGO has been designed by keeping the medical inflation rate in mind. The plan provides needful support to deal with the growing medical bills. Some of the key highlights of the plan are no room rent sub-limits, no limit for age at entry, with an option to add maternity coverage & critical illness cover.
• My: health Suraksha – Gold Smart Plan: It is a simple yet effective healthcare product which aims to serve your health care needs over a decade.
• my: health Medisure Super Top-up: This plan comes into the picture when your basic health plan is not sufficient to deal with big medical emergencies. It provides the required additional assistance in the hour of need when your basic plan’s limit meets an end. The plan ensures that you get the best cover without any restrictions and limitations.
• My: health Suraksha – Platinum Smart Plan: This plan is rightly designed for those who want maximum coverage. It effectively reduces the high financial burden. Other benefits include maternity coverage, pre-existing disease coverage post 3 years and no restriction on entry age.

Features of the HDFC my: health Suraksha Insurance

• It offers the facility of maximum health coverage with the best medical treatment to the policyholder.
• HDFC my: health Suraksha Insurance covers the hospital room rent and also bears the boarding expenses of policyholder without any limitation.
• HDFC my: health Suraksha Insurance provides pre-hospitalisation cover for 60 days. These expenses are like doctor consultant, check-ups, prescriptions, etc.
• HDFC my: health Suraksha Insurance offers 90 days post-hospitalization expenses cover.
• HDFC my: health Suraksha Insurance offers daycare procedures coverage under which if the policyholder is admitted even for less than 24 hours, expenses will get the cover.
• If the policyholder requires organ donation from someone then the organ harvesting expenses caused to the donor are also covered by HDFC Health Suraksha Insurance.
• HDFC my: health Suraksha Insurance policy pays all transportation expenses that are involved during the process of taking policyholder to the nearest hospital.
• If the policyholder requires AYUSH treatment, in which treatment of Ayurvedic, Unani, Siddha, and Homeopathy medicines is required, it is also covered by HDFC my: health Suraksha Insurance.
• One can avail various benefits during the tenure of the HDFC Health Suraksha Insurance. It also offers family discounts.

Exclusions of the HDFC Health Suraksha Insurance

• Any injury that is caused due to any participation in adventurous activities that can give policyholder an adrenaline rush, and that may result in something hazardous is not covered under the HDFC my: health Suraksha Insurance.
• Any self-imposed injury such as suicidal attempt, or any attempt to do the same is not covered under the HDFC my: health Suraksha Insurance.
• HDFC Health Suraksha Insurance policy does not cover any expense that occurs during the accidents that are caused due to wars, riots, or any other terrorist act.

Claim settlement process of HDFC ERGO Health Insurance Policies is quite simple and it requires some general documents like

• Duly filled Claim Form
• Original documents associated with discharge
• KYC details – ID, Age and Address Proof.
• Original bills with a detailed breakup, original invoices with prescriptions and payment receipts.
• NEFT details for payment: Cancelled cheque: KYC form along with a photocopy of any one KYC document (e.g. Aadhaar card, passport, driving license, voter ID, etc.).

Whatever you choose for yourself and your loved ones, trust is the basic key to it. Trust is the strongest factor that redefines the relations of customer and insurer at HDFC ERGO. HDFC ERGO Health Insurance consistently strives to make insurance easier, and affordable for the customer. HDFC ERGO Health Insurance plans offer comprehensive coverage at affordable premium prices to the policyholder and they have more than 10000 network hospitals all over India. These hospitals offer significant features like cashless hospitalization, a great number of health claim benefits and flexible payment modes. These health insurance plans are highly recommended and preferable by the young generation because of changing lifestyle and increasing disease. Without a good health insurance policy, expensive medical treatment charges may burn a hole in the pocket of the common man.

HDFC ERGO Health Insurance assists during the hour of need. Instant assistance is offered to the customer. HDFC ERGO Health Insurance provides 24×7 customer care to the policyholder and they have a dedicated claims approval team, which ensures constant support in times of need. No doubt, claims refers to the most important stage of any health insurance policy. HDFC always tries to offer a seamless process.