Hdfc Ergo Health Suraksha Silver Plan is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required, except for day care treatments.
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Add-On | Description | |||||||
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Critical Illness Lumpsum(Optional cover by paying extra premium) | A lumpsum amount for the identified 11 critical illness subject to same have been diagnosed during the policy Period and the Insured survives 30 days after the diagnosis. Critical Illness covered are Cancer of specified severity, Coronary Artery (Bypass) Surgery, First Heart Attack (Myocardial Infarction), Kidney Failure requiring regular dialysis, Major Organ/Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Permanent Paralysis of Limbs, Stroke resulting in Permanent Symptoms, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension and Heart Valve Replacement. |
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Hospital daily cash(Optional cover by paying extra premium) | Daily allowance for the each and every continuous and consecutive 24 hours as an inpatient hospitalisation. Maximum upto 30/60 days | |||||||
Regain Benefit(Optional cover by paying extra premium) | 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. Basic sum insured will be re-instated only once in a policy year. | |||||||
Enhanced Cumulative Bonus(Optional cover by paying extra premium) | The cumulative bonus shall automatically increase to 10% and the maximum cumulative bonus shall not exceed 100% of Base Sum Insured. Cumulative bonus thus applied would automatically decrease by 10% of the Basic Sum Insured in that following Policy Year in case of a claim. | |||||||
Co-pay (Optional Cover getting discount on base premium) | If an insured opts for 10% / 20% co-pay, then it will be applicable on all claims admissible under following benefits. In-patient Treatment Pre-Hospitalisation Post-hospitalisation Day Care Procedures Domiciliary Treatment Organ Donor Emergency Ambulance Ayush Benefit Newborn baby Maternity Expenses |
Note: Any claims arising out of or attributable to any of the following is not covered. Please refer policy T & C for detailed list of exclusions.
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
In case you would like to know about the Claim Process or would like to register a Claim please click the link below.