HDFC ERGO Health suraksha Plan is one of the most popular health insurance plan from HDFC ERGO general insurance company. The plan is currently available online only. If you try to make an honest review of this particular plan it is most suitable people who have opted for homeopathy and ayurvedic treatments compared to any other plan in the industry. One of the most important demerits of this particular plan is that in case a claim is raised during term of the policy the policyholder’s cumulative benefits gets reduced by 10% in one short which is quite high as per industry standards.
If one needs to really understand if the plan is suitable for that particular person understanding the basic structure is most important.
1)The plan is available for both individuals and family. The minimum entry age for individual under this plan is 18 years of age and if you want to induct your newly born as a member of an already existing family plan, the minimum age of the kid should be 3 months. On the other hand the maximum entry age of person into this policy is 65 years
2)This plan is best for policyholders looking to start with a small amount of cover. The minimum amount of cover allowed is Rs. 2 lacs under this plan and the maximum cover allowed is Rs.5 lacs.
3)A policyholder can opt for at least 1 year of term under this plan but if you have a habit of forgetting premium dates one can always apply for 2 year term, which is the maximum term allowed under this health insurance plan.
4)Premium paying under this particular policy is also very easy .You can always enjoy no claim bonus as discount of 5% for each claim free year with a maximum amount of discount allowed is 50% of sum assured. In case one has applied for a family plan under HDFC ERGO Health Suraksha and there are 2 or more members empanelled under this plan then one enjoy an extra 10% discount on the premium.
1)The minimum and maximum sum assured offered under this plan is Rs. 2 lakhs and 5 lakhs respectively so if one is looking for an higher cover this is not an apt plan to consider.
2)In case of medical expenses getting covered or reimbursed, a policy holder can always avail for 60 days pre-hospitalization and 90 days of post hospitalization cost getting covered or reimbursed.
3)In case the policyholder has applied for emergency ambulance services , the person should remember that maximum amount of coverage is only Rs.2000 per event in this plan.
4)In case one has go through a domiciliary treatment say during the pre-hospitalization period , to raise a claim one need to show that the person has gone through at least 3 days of treatment otherwise the cost incurred during this period will not be covered.
5)As already stated the policy is very efficient for people opting for alternate sources of treatment, under the health suraksha plan coverage for inpatient treatment under unani or ayurvedic one can availed to the maximum of 20% of sum assured.
So one can easily deduce that HDFC Ergo Health Suraksha plan is most suitable for people at their early age and want to start building their family health insurance portfolio. One should also remember that though the plan is suitable for people opting for alternate treatment but once the same is claimed one can’t apply for claim for the same health condition if is done through allopathic treatment.
Renewing and buying HDFC Ergo health suraksha plan is very and the premium charges at quite affordable across all available sum assured range since it is the only online health insurance plan from HDFC Ergo.But still it is advised that if one needs making an effective health insurance planning it is advised to do online comparison of all health insurance plans from other insurers too.To be a smart policyholder online comparison can also help a lot of cost premium and draw larger benefits from the money one pay for premium.