HDFC ERGO is a privately owned general insurance service provider that offers insurance service in multiple domains including health, travel, vehicle, etc. HDFC ERGO Health Suraksha Silver is a comprehensive health insurance policy that can be taken either as an individual cover or a family floater cover. The policy provides a range of benefits and ensures protection for all policyholders against various health risks. The premium charges for this cover is affordably priced, and it appeals to the middle class segment of the country. This policy is developed in such a way that it provides adequate coverage for all common health insurance requirements of a person or a family.
The eligibility criteria set forth by HDFC ERGO for availing this cover can be listed as follows.
Some of the key features of HDFC ERGO Health Suraksha Silver can be listed as below:
The range of benefits offered under this medical insurance policy can be given in the following table.
|Hospitalisation expenses||Coverage is available up to the full sum insured limit.|
|Organ donor expenses||Costs incurred for harvesting an organ for donation are covered.|
|Emergency ambulance||Actual expenses incurred for ambulance transport can be reimbursed.|
|Cumulative bonus||A 5% cumulative bonus is available for every claim-free year subject to a maximum of 50% of the sum insured amount.|
|AYUSH benefit||Medical expenses incurred for ayurveda, unani, siddha, and homeopathy treatments are covered.|
|Medical checkup||Up to 1% of the sum insured subject to a maximum of Rs.5,000 is available after four continuous claim-free years.|
While a range of medical expenses are covered under this policy, there are certain exclusions for which HDFC ERGO is not liable to provide any compensation. Some of these exclusions can be listed as follows.
The claim procedure under HDFC ERGO is simple and straightforward. For hospitalisation claims, the company must be informed immediately and not later than 7 days. For planned hospitalisation, the company must be notified at least 7 days before hospitalisation. For day care procedures and consultations, the company must be notified and pre-authorisation must be obtained.
For reimbursement claims, all documents and proofs must be submitted to the company within 15 days after discharge from the hospital. Once the documents are submitted, the claim process will be initiated by the company. After verification of all documents, the company will disburse the reimbursement amount to the insured person.
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