HDFC Health Plans

  HDFC Ergo-Health Suraksha HDFC Ergo-Critical Illness
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% -
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