Health Insurance Brochures from HDFC ERGO General Insurance Company
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Check out Health Insurance Brochures from HDFC ERGO General Insurance Company, for details visit: http://www.hdfcergo.com/health-insurance/health-suraksha.html.
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Health Insurance Brochures from HDFC ERGO General Insurance Company
- 1. HEALTH SURAKSHA Wellness that you deserve whichdonotrequire24hourshospitalisationduetotechnologicaladvancement Domiciliary Treatment - Pays for expenses incurred for medical treatment taken at home,ontheadviceofaphysician Organ Donor - Pays for medical expenses for an organ donor's treatment in the eventoforgantransplantation Emergency Ambulance - Pays for expenses for utilizing ambulance services in an emergency Ayush - Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani,SidhaorHomeopathy Anytreatmentwithinfirst30daysofcoverexceptanyaccidentalinjury Pre-existingconditionswillnotbecoveredforfirst48months ExpensesarisingfromHIVorAIDSandrelateddiseases. Mentaldisorderorinsanity,cosmeticsurgery,weightcontroltreatment Abuseofintoxicantorhallucinogenicsubstancelikedrugsandalcohol Hospitalisation due to war / acts of war, nuclear, chemical / biological weapon & radiationofanykind Pregnancy, dental and external aids and appliances unless covered under specific plans 2yearexclusionsforspecificdiseases Experimental, investigational or unproven treatment, devices and pharmacological regimens Foracompletelistofexclusions,kindlyreferourpolicywordings Incase of hospitalization, intimation should be provided to the Company immediatelyandnotlaterthan7days In all other cases, the Company must be informed of any event or occurrence that may giverisetoaclaimunderthisPolicyatleast7dayspriortoanyconsequent t r e a t m e n t , consultation or procedure being taken and the Company should pre-authorise such treatment,consultation orprocedure Any documentation and information requested to establish the circumstances of the claim, its quantum or the Company’s liability for the claim, should be submitted within 15 days of our request or discharge from Hospital or completion of treatment, whicheverisearlier Cumulativebonusof5%foreveryclaim-freeyearuptoamaximumof50% Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutiveclaim-freeyears Disclaimer: The above information is only indicative in nature. For details of the coverage andexclusionspleaserefertothepolicywordings. Liability of the Company does not commence until the Company has accepted the proposalandfullpremiumhasbeenpaid. Anti-Rebating Warning: As per Section 41 of the Insurance Act 1938, as amended, the practice of rebating is prohibited, as follows: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance policy in respect of any kind of risk relating to lives or property in India, any rebateofthewholeorpartofthecommissionpayableoranyrebateofthepremiumshown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer. Violation of Section 41 of the Insurance Act 1938, as amended, shall be punishable with a fine which may extend to Five Hundred (500) Rupees. § § § § WHATISNOTCOVERED CLAIMSPROCESS § § § RENEWALBENEFITS § § TERMS&CONDITIONS ¡ ¡ ¡ § § § § § § § § § FREE LOOK You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If You have any objections to any of the terms and conditions, You have the option of cancelling the Policy stating the reasons for cancellation and You will be refunded the premium paid by You after adjusting the amounts spent on any medicalcheck-up,stampdutychargesandproportionateriskpremium.YoucancancelYour Policy only ifYou have not made any claims under the Policy.AllYour rights under this Policy will immediately stand extinguished on the free look cancellation of the Policy. Free look provisionisnotapplicableandavailableatthetimeofrenewalofthePolicy. Formoredetailsonriskfactors,terms&conditions,pleasereadthesalesbrochurebeforeconcludingasale. Insuranceisthesubjectmatterofsolicitation.IRDARegNo.125.UIDNo.841. HDFC ERGO General Insurance Company Limited st Registered & Corporate Office: 1 Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. th Customer Service Address: 6 Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai - 400 059. Toll-free: 1800 2 700 700 (Accessible from India only) Fax: 91-22-6638 3699 care@hdfcergo.com www.hdfcergo.com
- 2. HDFC ERGO brings to you Health Suraksha, a unique health insurance plan, providing optimum health coverage at an affordable price. Health Suraksha covers not only hospitalisation in the event of an accident or sickness but extends to cover pre and post- hospitalisation expenses, day care procedures, domiciliary treatment, organ donor expenses.Moreover,yougetarenewalbonusforeachclaim-freeyear. Get“HealthSuraksha”todayandprotectyourtomorrow! TaxBenefitundersection80D* NoMedicalCheck-upupto45years PRODUCTHIGHLIGHTS § § § § § § § § § § NoSub-limitsonanydisease,roomrent,hospitalchargesanddoctorfees CashlessTreatmentatNetworkHospital 5%bonusonSumInsuredforeveryclaim-freeyear Nolimitforageatentry Offersoneyearortwoyearspolicycoverageperiod Optiontocoveronindividualsuminsuredbasisandonfamilyfloaterbasis Avail a family discount of 10%, if 2 or more members of a family are covered under thesamepolicyonIndividualsuminsuredbasis LifeLongRenewability Children below 5 years would be covered provided both the parents are covered under our policy. WHATISCOVERED § § § § In-patient Treatment - Covers hospitalisation expenses due to an illness or accident. Pays for medical expenses incurred for room rent, boarding expenses, nursing, intensive care unit, medical practitioner, medicines or drugs and other related expenses Pre-Hospitalisation - Pays for medical expenses incurred due to an illness 60 days immediatelybeforehospitalisation Post-Hospitalisation - Pays for medical expenses incurred 90 days immediately afterthedischargeposthospitalisation Day care procedures - Pays for medical expenses for 144 day care procedures PREMIUM TABLE (Inclusive of Service Tax & Edu. Cess) 2 Year Policy Age Group 0-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 >80 2 Year Policy Age Group 0-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 >80 2 Year Policy Age Group 0-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 >80 2 Year Policy Age Group 0-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 >80 1 A 2 A 2 A 1 C 2 A 2 C 1 A 1 C 1 A 2 A 2 A 1 C 2 A 2 C 1 A 1 C 1 A 2 A 2 A 1 C 2 A 2 C 1 A 1 C 1 A 2 A 2 A 1 C 2 A 2 C 1 A 1 C (* Subject to the change in Tax Laws) 1 Year Policy 2 A 2 A 1 C 2 A 2 C 7686 8917 11855 1 A 1 C 1 A 2 C 1 A 3 C Sum Insured - 200,000 Age Group 0-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 >80 1 A 1 Year Policy 2 A 2 A 1 C 2 A 2 C 1 A 1 C 1 A 2 C 1 A 3 C Sum Insured - 300,000 Age Group 0-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 >80 1 A 1 Year Policy 2 A 2 A 1 C 2 A 2 C 1 A 1 C 1 A 2 C 1 A 3 C Sum Insured - 400,000 Age Group 0-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 >80 1 A 1 Year Policy 2 A 2 A 1 C 2 A 2 C 1 A 1 C 1 A 2 C 1 A 3 C Sum Insured - 500,000 Age Group 0-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 >80 1 A 1 A 2 C 1 A 3 C 1 A 2 C 1 A 3 C 1 A 2 C 1 A 3 C 1 A 2 C 1 A 3 C 2384 3217 4037 6247 7498 8997 12596 17003 22955 29842 36108 4826 6056 9372 11246 13496 18893 25506 34433 44763 54163 6256 7487 10778 12933 15519 21161 28056 37015 47449 56871 14226 17071 23050 30097 39253 49687 59037 4243 4899 6522 7817 9394 13029 17590 23746 30870 37353 5751 6366 7524 8955 10334 14333 19348 26120 33957 41088 7419 8035 8625 10299 11367 15765 21283 28733 37353 45197 2712 3721 4479 6942 8330 9997 13994 18893 25506 33157 40120 5582 6718 10412 12496 14994 20992 28339 38259 49736 60181 7209 8345 11975 14370 17244 23511 31174 41128 52720 63190 8837 9973 13172 15807 18969 25610 33441 43615 55207 65597 4875 5482 7247 8685 10438 14478 19544 26384 34300 41504 6589 7156 8360 9951 11482 15925 21499 29024 37730 45653 8487 9055 9583 11443 12630 17517 23648 31926 41504 50219 3391 4652 5599 8678 10412 12496 17493 23617 31882 41447 50151 6978 8398 13016 15619 18743 26241 35425 47824 62170 75226 9071 10497 14969 17962 21555 29389 38968 51410 65900 78988 11338 12597 16465 19759 23710 32014 41801 54518 69009 81997 6236 6928 9060 10856 13047 18097 24430 32981 42875 51879 8419 9007 10449 12437 14352 19906 26873 36279 47163 57067 10945 11257 11980 14303 15788 21897 29561 39907 51879 62773 4069 5582 6718 10412 12496 14994 20992 28339 38259 49736 60181 8373 10078 15619 18743 22492 31489 42509 57388 74605 90271 10885 12597 17962 21555 25865 35268 46761 61692 79081 94785 13607 15116 19759 23710 28452 38416 50161 65423 82810 98396 7483 8314 10871 13028 15657 21716 29316 39577 51450 62254 10102 10808 12539 14925 17223 23888 32248 43535 56596 68480 13134 13509 14375 17164 18945 26277 35473 47888 62254 75328 4292 5790 7267 11245 13496 16194 22672 30606 41319 53715 64994 8687 10901 16870 20243 24292 34008 45910 61979 80574 97494 11261 13476 19400 23279 27934 38089 50501 66627 85407 102368 13836 16050 21339 25607 30728 41489 54174 70655 89436 106267 7637 8818 11740 14070 16910 23453 31662 42743 55566 67235 10351 11459 13543 16119 18601 25799 34827 47017 61123 73958 13354 14463 15525 18538 20461 28377 38310 51719 67235 81354 4882 6698 8062 12495 14995 17994 25190 34008 45910 59683 72217 10048 12092 18742 22492 26990 37786 51011 68865 89525 108326 12976 15021 21556 25865 31039 42320 56114 74031 94897 113742 15907 17952 23710 28452 34144 46098 60193 78507 99373 118074 8776 9868 13045 15634 18789 26060 35179 47492 61740 74706 11860 12881 15047 17911 20668 28665 38698 52243 67915 82175 15276 16299 17250 20597 22735 31530 42567 57467 74706 90395 6104 8373 10078 15620 18742 22492 31488 42511 57388 74605 90271 12560 15116 23428 28114 33737 47233 63765 86083 111906 135407 16327 18894 26943 32331 38799 52900 70142 92539 118620 142178 20409 22674 29637 35565 42678 57625 75242 98133 124217 147595 11225 12471 16307 19541 23485 32574 43975 59366 77176 93382 15154 16212 18809 22387 25833 35830 48372 65302 84894 102720 19701 20263 21564 25746 28418 39414 53209 71832 93382 112992 7323 10048 12092 18742 22492 26990 37786 51011 68865 89525 108326 15072 18140 28114 33737 40486 56680 76516 103298 134289 162488 19594 22674 32331 38799 46557 63482 84170 111046 142346 170612 24492 27208 35565 42678 51213 69149 90290 117761 149059 177113 13470 14964 19567 23451 28183 39088 52769 71238 92609 112058 18184 19454 22571 26865 31001 42998 58047 78363 101872 123264 23641 24316 25876 30895 34101 47298 63852 86198 112058 135591