• HDFC Health Suraksha with Regain and ECB

    Health Insurance
    • Enjoy options to cover yourself, your spouse, kids and even your parents
    • Enjoy access to 10,000+ hospitals for cashless treatment
    • Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

    If you are looking for a comprehensive health insurance coverage for you and your family, HDFC Health Suraksha with Regain and ECB is a policy worth considering. This policy comes with a host of benefits that will help you be prepared during the times of an unexpected medical emergency. In addition to the regular health insurance cover, this policy also provides regain benefit by restoring the sum insured amount automatically after its exhaustion. This is an ideal cover to ensure that your family is well protected against financial uncertainty caused by unforeseen medical expenses.

    Eligibility for HDFC Health Suraksha with Regain and ECB

    People who meet the following eligibility criteria can apply for HDFC Health Suraksha with Regain and ECB:

    • There is no minimum or maximum entry age limit for entering this cover.
    • Children below the age of 5 years can be covered only if both their parents are covered in this policy.

    Features of HDFC Health Suraksha with Regain and ECB

    Some of the notable features of HDFC Health Suraksha with Regain and ECB are listed as follows:

    • This policy is available in multiple sums insured options ranging from Rs.3 lakh to Rs.10 lakh.
    • This policy is available in one-year or two-year terms depending upon the requirement of the policyholder. A premium discount of 10% is available for a 2-year policy term.
    • There is a family discount of 10% if 2 or more family members are enrolled in this cover on an individual sum insured basis.
    • The sum insured amount chosen is available for all medical expenses without any sub-limits for room rent, hospital charges, physician fees, etc.
    • If the optional regain benefit is chosen, the sum insured amount will be reinstated (once in a policy year) after its complete exhaustion following a claim. If the reinstated sum insured amount is not utilized within a policy year, it will not be carried forward to the next year.
    • Pre-existing conditions are covered only after 4 years of continuous policy coverage.
    • There is an initial waiting period of 30 days for all sickness hospitalisations. This waiting period is not applicable for accident claims.
    • There is a 2-year waiting period for specific conditions such as cataract, tonsils, sinus, etc.
    • Pre and post-hospitalisation medical expenses are covered for up to 60 days and 90 days, respectively.
    • There is a free-look period of 15 days under this policy cover. If the terms and conditions are not satisfactory, customers can cancel their policy during this period without incurring any charges.
    • A grace period of 30 days is available for policyholders to renew this policy after the date of its expiry.
    • The premium amount paid towards this policy is eligible for tax relief under Section 80D of the Income Tax Act.

    Benefits of HDFC Health Suraksha with Regain and ECB

    The benefits available under HDFC Health Suraksha with Regain and ECB can be given as follows:

    Benefits Extent of Coverage
    Inpatient hospitalisation Actual expenses up to the sum insured limit
    Day care treatment Coverage for up to 144 day care procedures
    Domiciliary treatment Covered for situations in which the patient cannot be removed to a hospital
    AYUSH Benefit Covered up to the sum insured limit
    Organ donor cover Covered for all medical expenses including the cost of harvesting an organ
    Health checkup 1% of the sum insured amount (max. Rs.5,000) for 4 continuous claim-free years
    Emergency ambulance cover Rs.2,000 or Rs.3,500 based on the sum insured amount chosen
    Cumulative bonus 5% of the sum insured amount subject to a maximum of 50% of the sum insured amount
    Regain benefits (optional) Restoration of the sum insured amount after complete exhaustion
    Enhanced cumulative bonus (optional) 10% of the sum insured amount subject to a maximum of 100% of the sum insured amount

    Exclusions of HDFC Health Suraksha with Regain and ECB

    The exclusions applicable to HDFC Health Suraksha with Regain and ECB are as follows:

    • Claims related to self-inflicted injuries or suicide attempt
    • Illnesses or injuries attributable to war or warlike activities
    • Expenses arising out of treatment for sexually transmitted diseases including HIV and AIDS
    • Claims arising out of exposure to nuclear weapons or radiation
    • Cosmetic or aesthetic treatments of all kinds
    • Expenses related to treatment for mental disorders and insanity
    • Expenses arising out of weight management or obesity treatments
    • Claims attributable to drug or alcohol abuse
    • Claims arising out of pregnancy, childbirth, and related complications
    • Cost of dental treatment unless necessitated by an accident
    • Cost of external medical appliances such as hearing aids, spectacles, crutches, etc.
    • Non-medical expenses incurred during the time of a hospital stay
    • Claims related to unproven or experimental treatment procedures

    Claim Procedure

    The claim procedure under this policy begins with intimation to the company about the hospitalisation. The company’s customer service department can be contacted through phone, email, or fax to intimate the hospitalisation of the insured person.

    In case of cashless treatment, the company must pre-authorise the request for treatment. Claims forms for authorisation can be obtained from the hospital itself. Completed claim forms can be sent to the company through fax along with the policy details. The company will verify the request and provide its authorisation for all valid requests.

    In case of reimbursement claims, the claim request can be filed after discharge from the hospital. All valid documents including hospital bills, discharge summary, diagnostic reports, pharmacy receipts, etc. must be submitted along with the claim form. Once the documents are submitted, the company will verify the documents and communicate its acceptance or rejection to the insured person. Upon acceptance of the claim, the compensation amount will be issued within a reasonable time.

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