HDFC ERGO Health Suraksha with Regain & ECB
HDFC ERGO Health Suraksha with Regain & ECB is a comprehensive health insurance plan with superior inbuilt benefits and coverage. In addition to the essential covers of hospitalization and medical expenses, the plan offers Sum Insured Regain Benefit and Enhanced Cumulative Bonus (ECB). This plan does not provide maternity cover and newborn benefits.
Key Features
Automatic availability of Sum Insured upon its exhaustion during the policy year
up to 45 years
Enhanced Cumulative Bonus @ 10% per claim-free year up to 100% of the Sum insured
No Sub-limits on any disease, room rent, hospital charges, and doctor fees
Life Time Renewability
Benefits
- Discount on Health checkup – up to 1% of the Sum Insured, maximum up to Rs. 5000 for a Health Checkup after 4 consecutive claim-free years.
- Cashless Treatment at Network Hospital
- Individual and Family Floater option
- No entry age limit
- Coverage period - one year or two years
- Maximum cover up to– 10 lacs
- Tax Benefit under section 80D
- Free look – If the policyholder is not convinced with the Terms and Conditions of the policy, then he/she can cancel the policy within 15 days of receipt of the policy document.
Regain benefit means the policy will automatically provide you with the basic sum insured upon exhaustion (including any cumulative bonus) during the health insurance policy year.
Example –
The policyholder claims 5 lacs and exhausts the entire sum insured amount for Illness 01. Now within the same year, the policyholder is admitted for Illness 02. Under HDFC Ergo Health Suraksha Gold with Regain & NCB, the sum insured automatically goes back to 5 lacs and the policyholder can make a claim again.
Notes –
- The basic sum insured will be re-instated only once in the health insurance policy year
- If the Regain SI is not utilized in a policy year, it shall not be carried forward to any subsequent insurance policy year.
- Regain benefit cannot be withdrawn at subsequent renewals
- Regain SI can be used for only future claims and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year
Eligibility
| Minimum | Maximum | |
| Sum Insured | 3,00,000 | 10,00,000 |
| Entry Age | 91 days | No Limit |
| Maximum Renewal Age | - | Lifetime |
| Policy Term | 1 year | 2 years |
Exclusions
- Any treatment within the first 30 days of cover except any accidental injury
- 2 years waiting period for Particular Diseases and Treatments such as surgery on tonsils and sinuses, cysts, internal tumors, etc.
- Pre-existing conditions will not be covered for the first 48 months
- Expenses arising from HIV or AIDS and related diseases.
- Mental disorder or insanity, cosmetic surgery, weight control treatment
- Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
- Hospitalization due to war/acts of war, nuclear, chemical/biological weapons & radiation of any kind
- Pregnancy, dental, and external aids and appliances unless covered under specific plans
- 2-year exclusions for particular diseases
- Experimental, investigational, or unproven treatments, devices, and pharmacological regimens
FAQs
What is covered in HDFC ERGO Health Suraksha with Regain & ECB?- In-patient Treatment - Covers medical expenses for hospitalization due to an illness or accident. The medical expenses for room rent, boarding expenses, nursing, intensive care unit, medical practitioner(s), medicines or drugs and other related expenses will be paid.
- Pre-Hospitalization - The medical expenses incurred due to an illness in 60 days immediately before the insured person was hospitalized
- Post-Hospitalization - The medical expenses incurred in 90 days immediately after the insured person was discharged post hospitalization
- Day Care Procedures - The medical expenses for 144 day care procedures which do not require 24 hours hospitalization.
- Domiciliary Treatment - The medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalization.
- Organ Donor - The medical expenses for an organ donor's treatment in the event of organ transplantation
- Emergency Ambulance - Expenses covered for utilizing ambulance service for transporting insured person to hospital
- Ayush - medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy mode of treatment up to the limit of Sum Insured
- Regain Benefit - Automatic availability of the basic sum insured, if the basic sum insured inclusive of the no claim bonus has been exhausted during the policy year.
