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Old November 17th, 2017, 06:57 PM
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Join Date: May 2011
Default Re: Health Insurance HDFC Bank

The HDFC Bank offers ERGO Health Suraksha Health Insurance plan.

HDFC ERGO Health Suraksha

Comprehensive coverage for you and your family with 5000+ network hospitals


Health Suraksha covers not only hospitalisation in the event of an accident or sickness but extends to cover pre and post hospitalisation expenses, day care procedures, domiciliary treatment, organ donor expenses. Moreover, you get a renewal bonus for each claim-free year.

It provides accesss to Cashless Claims Service across India at 5000+ network hospitals

There is No Sub-limits on any disease, room rent, hospital charges and doctor fees

It pays for domiciliary treatment; that is expenses incurred for medical treatment taken at home, subject to conditions as listed in What coverage does HDFC ERGO Health Suraksha policy offer


You can buy policy online & get Instant policy issuance

No medical check-up required upto 45 years of age

You can avail tax benefit under Section 80D of the Income Tax Act.

You get Cumulative Bonus for each claim free year

Health Suraksha - Individual & Family Floater Sum Insured-

Product Benefit -
(Sum Insured : 200000,300000,400000,500000)

In-patient Treatment -
Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured.

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

Post-hospitalization -
The Medical Expenses incurred in 90 days immediately after the Insured Person was discharged post Hospitalization,

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 and 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 upto the policy sum insured

Organ Donor -
The Medical Expenses for an organ donor’s treatment in the event of organ transplantation for harvesting an organ donated are reimbursed Upto the policy Sum Insured

Emergency Ambulance-
(Limit per hospitalisation)
Upto Rs. 2,000 reimbursed as ambulance expenses during an emergency

Covers inpatient hospitalization expenses under Ayurvedic ,Unani ,Sidha & Homeopathy Upto the policy Sum Insured

Cumulative Bonus (CB) -
5% of the Basic Sum Insured every claim free year subject to a maximum of 50% of the basic sum insured. CB will be reduced by 5% of the basic sum insured in case of a claim.

Health check Up -
They will offer health checkup only once at the end of continuous four claim free years during which You have been insured with them. Their maximum liability will be subject to 1% of the Sum Insured for this Policy Year or the subsequent Policy Years upto a maximum of Rs 5,000. Incase of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.


Corporate Office

HDFC Bank House
1st Floor,C.S.No.6/242,
Senapati Bapat Marg,
Lower Parel,
Mumbai - 400 013.
Answered By StudyChaCha Member
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