HDFC Ergo Health Suraksha Silver is a unique health insurance plan that offers the required coverage at a nominal price. This plan covers all the expenses incurred at the time of hospitalisation.
Health Suraksha Silver extends its coverage to day care treatment, pre-hospitalisation expenses, domiciliary treatment, and post-hospitalisation expenses. The company also offers rewards in the form of a renewal bonus if you do not make any claims for an entire year.
The benefits of this insurance policy have been listed in the following table:
Hospitalisation Expenses | The coverage provided for hospitalisation expenses in up to the entire sum insured limit. |
Organ Donor | The policy covers all the cost you may incur at the time of harvesting an organ. |
Emergency Ambulance | All the expenses incurred due to the use of emergency ambulance can be reimbursed using this policy. |
AYUSH Benefit | Covers all the expenses in case of in-patient treatment taken under Homeopathy, Sidha, Ayurveda, or Unani. |
Cumulative Bonus | A bonus of 5% is provided for every claim-free year. This cumulative bonus can go up to a maximum of 50%. |
Health Checkups | Up to 1% of the sum insured can be used for health checkups after not making any claims for 4 consecutive years. This 1% can be a maximum of Rs.5,000. |
Some of the exclusions under this policy have been listed below:
The insurance company should be intimated before the completion of 7 days from the date of hospitalisation if they wish to make a claim. The company must be informed at least 7 days before the commencement of any treatment, procedure, or consultation. The insurance company should pre-authorise these procedures.
All the documents and reimbursement claims should be submitted to the company before the completion of 15 days from the date of discharge or completion of treatment, whichever is earlier. The insurance company will then pay the reimbursed amount to the policyholder.
Read terms, conditions and exclusions mentioned in the health insurance policy document.
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