Health Insurance

HDFC ERGO offers the best health insurance plans with a wide range of benefits for their
Clients. Their comprehensive health insurance plans are available at the most affordable
prices, backed up by a network of over 5000+ hospitals, and come with features like
Enhanced No Claim Bonus, flexible payment options and cashless hospitalization facility.
These health insurance plans cover hospitalization in cases of accidents or sickness along
with pre and post hospitalization expenses, day care procedures, domiciliary treatment and
other expenses.
Here are the list of HDFC ERGOs health insurance plans:

Health Suraksha
The Health Suraksha plan comes with features like cover for in-patient treatment
costs, pre-hospitalization and post-hospitalization expenses, and all other major
expenses of a similar nature.

Health Suraksha Gold

With Health Suraksha Gold, you get a cost-effective health insurance plan that
provides cover for in-patient treatment costs, pre-hospitalization and posthospitalization expenses without sub limits, additional maternity benefits,
convalescence benefits and E-opinion.

Health Suraksha Regain

Health Suraksha Regain insurance plan comes with additional benefits of automatic
availability of sum insured upon its exhaustion, thereby offering you financial security
with no sub-limits.

Health Suraksha Top Up Plus

A health insurance plan that is designed to supplement your primary health insurance
policy plan, Health Suraksha Top Up Plus provides additional coverage benefits at
economical costs.

Critical Illness Insurance

The right health insurance policy, this Critical Illness policy pays a lump sum benefit
amount on the first diagnosis of any of the critical illnesses listed.

Critical Illness Platinum

Covering 15 Critical Illnesses and providing a Lump Sum Benefit amount on first
diagnosis of a particular illness, the Critical Illness Platinum policy is your savior in
times of unforeseen critical illnesses.
Health Insurance Plan offered by HDFC ERGO
How do you make a strong health insurance cover portfolio?
HDFC ERGO offers two types of Health Insurance plans to choose from as shown below.

Indemnity Health Insurance plans:

Indemnity insurance compensates the policy holder for the actual financial losses, even if the
actual sum insured of the policy is higher. However, the cover amount can be utilized
multiple times maximum up to the sum insured. Indemnity covers the listed expenses, like in
case of a Health insurance policy, which covers the hospital room rent costs, doctors fees,
operation theatre charges, pre- & post- hospitalization charges, etc.
This is in contrast to, a lump-sum benefit plan, where the amount of the insureds financial
loss is not the criteria for insurance payout.
HDFC ERGO offers an array of indemnity products under Health Suraksha.
Health Suraksha
Type Of Plan : Indemnity Benefit

Benefits

Silver

Silver Regain

Gold

Gold Regain Top Up

and
Enhancemen
t
Cummulative
Bonus(ECB)
In-patient
Treatment
Prehospitalization
Posthospitalization
Day Care
Procedures
Domiciliary
Treatment
Organ Donor
Emergency
Ambulance
AYUSH
Benefit
Cumulative
Bonus
Medical
Checkups
Regain
Benefits
Maternity
Benefit
Enhanced
Cumulative
Bonus
E Opinion for
Critical Illness
Convalescenc
e Benefit
High
Deductible

and
Enhancemen
t
Cummulative
Bonus(ECB)

Lump-sum benefit Health Insurance plans:

With lump-sum benefit plans, the entire sum insured is paid on occurrence of the covered
event. Like in case of critical illness benefit plan, the entire sum insured amount is paid in
lump sum on first diagnosis of the any one of the listed critical illnesses. This plan is intended
to support the insured where there are miscellaneous costs like rehabilitation or
physiotherapy, follow up medical investigations & diagnostic tests, any aids or purchases like
ergonomic furniture & house modification, dietary supplements, BP monitoring machines,
etc. incurred when diagnosed with these life-threatening diseases. The amount can be utilized
by the policy holder for debt payments, any loss of income, etc.
HDFC ERGOs Lump sum benefit plan for Critical illness,
Critical Illnesses
Type Of Plan : Lump-Sum Benefit Plan

Critical Illness Covered

Heart attack
( Myocardial Infarction)
Coronary artery bypass
surgery
Stroke
Cancer
Kidney failure
Major organ transplant
Multiple sclerosis
Paralysis
Aorta Graft surgery
Primary pulmonary
Arterial Hypertension
Heart Valve Replacement
Benign Brain Tumor
Parkinson's Disease
Alzheimer's Disease
End stage Liver Disease

LOGO

Silver

Platinum

Source: https://www.hdfcergo.com/Health-Insurance.html
Additional content:

FAQ's
1. Why do I need health insurance?
2. What are the benefits of having a health insurance policy?
3. Is it possible to apply for the policy online?
4. What kinds of policies are available for a health insurance plan?
5. What other policies are available?
6. How do I know which policy is best for me?
7. How can I find how much premium I will have to pay?
8. Is there any limitation on age at entry for health insurances?
9. What is the procedure for claim settlements?
10. How can I find hospitals where I can avail the cashless facility?

HDFC ERGO has a network of over 5000+ hospitals which will provide you with cashless
facilities. You will be provided a list of all the associated hospitals. You can also use our
hospital locator to find all the associated hospitals in your area.