HDFC Health Plans

	HDFC Ergo-Health Suraksha	HDFC Ergo-Critical Illness
KEY FEATURES
Plan Type	Individual & Family Floater	Individual
Minimum Entry age	0 years	5 Years Children would be covered only if both the parents are also covered
Maximum Entry Age	65 Years	45 Years
Pre-policy Health check-up	Age>45 years	Depending on the age and sum insured
No Claim bonus	Yes	-
Family discount	10%	-
KEY BENEFITS
Hospitalization Expenses	Covered	Lump Sum Benefit amount on first diagnosis after a 30 Day Survival period for any one of the 8 Critical Illnesses(Heart Attack (Myocardial Infarction),Coronary Artery Bypass Surgery, Stroke, Cancer, Kidney Failure, Major Organ Transplantation, Multiple Sclerosis, Paralysis) covered under the plan.
Domiciliary hospitalisation	Covered	-
Room Rent	No Limit	-
ICU Charges	No Limit	-
Pre hospitalization expenses	60 Days	-
Post hospitalization expenses	90 Days	-
Ambulance charges	Up to Rs. 2000 per hospitalization	-
Daily Allowance	-	-
Nursing Allowance	-	-
Recovery Benefit	-	-
Expenses on accompanying person at the Hospital	-	-
Cashless facility	Available	No
Member Reimbursement	Available	Yes
Daycare procedures	Covered	-
Health check-up	End of 4 Claim free Years	-
Co-Payment	-	-
Deductible	Opted on Individual basis in case of Individual Policy and on Family Floater basis in case of Family Floater Policy.Deductible shall be applicable per policy year basis	-
Waiting period	30 Days	90 Days
Pre-Existing Diseases	4 Years	-
Critical Illness(Separate Sum Insured)	-	-
Organ Donor Cover	Covered	-
Auto-Recharge of Sum Insured	No	-
Care Anywhere(Worldwide)	-	-
Income tax benefit	Section 80D	Section 80D