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.
People who meet the following eligibility criteria can apply for HDFC Health Suraksha with Regain and ECB:
Some of the notable features of HDFC Health Suraksha with Regain and ECB are listed as follows:
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|
The exclusions applicable to HDFC Health Suraksha with Regain and ECB are as follows:
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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