HDFC ERGO, one of the leading general insurance companies in the private sector has come up with Health Suraksha Policy. This policy has been designed to offer optimum insurance coverage for medical treatment. This policy covers all the pre and post hospitalization costs at a premium that is very affordable.
The main features of the policy are as follows:
a. This policy offers superb health coverage at an affordable fee.
b. Individual and group health insurance policies are also available.
c. This is one such policy that also offers bonus to the insured for every claim made in a single year.
d. This policy even offers coverage regarding the cost that is incurred during health check-up.
e. The policy holders are eligible to avail cashless claim service in the country in more then 4200 medical centers. This shows that the company has made a strong network of some renowned hospitals so as to help the insured to get adequate health care.
f. The holders of HDFC ERGO Health Suraksha policy are eligible to income tax rebate under section 80D of the Indian Income Tax Act.
g. All the claim procedures are easy and the documentation job is also very less in this policy.
Like all other general insurance policies of HDFC ERGO, this one to has certain limitation or exclusions. These exclusions are as follows:
a. This insurance policy is not valid in case of AIDS/HIV.
b. Plastic surgery or cosmetic surgeries are normally excluded from this policy. But in case of necessity this types of surgeries are eligible for getting claims. For this purpose, proper documentation must be submitted.
c. Claims arising out of Intoxicating Drugs and Alcohol are excluded from this policy.
d. Treatment of disease such as internal tumors, cysts, surgery on tonsils and sinuses are not taken into consideration.