HDFC ERGO comprehends your needs of a secure and healthy future that guarantees coverage in case of medical exigencies while befitting your budget well.
Title |
Description |
Room Rent Limit |
No sub-limits on the hospital room rents. |
ICU Daily Rent Limit |
No Sub-limits on any disease, room rent, hospital charges and doctor fees |
Pre-Hospitalization Expenses |
Medical costs incurred during 60 days prior to hospitalization are reimbursed |
Post Hospitalization Expenses |
Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed |
Minimum Hospitalization Period |
24 hours |
Day Care Procedure Coverage |
Expenses for -144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed |
Automatic Restoration of Sum Insured |
provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus ) during the policy year |
Pre-Existing Disease / Illness coverage |
After 48 months of continuous coverage. |
Free Health Checkup |
Pays up to 1% of Sum Insured, maximum up to Rs. 5000 for a Health Checkup after 4 consecutive claim-free years |
Ambulance Expenses |
Up to Rs. 2,000 for SI 300000, 400000 & 500000 AND Rs 3,500 for SI 750000 & 1000000 reimbursed as ambulance expense during an emergency |
Non-Allopathic Treatments |
Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed up to Sum Insured |
Donor Expenses |
Medical costs for harvesting an organ donated are reimbursed |
Nursing Allowance |
Covered |
No Claim Bonus |
The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim |