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Medical Insurance

Family Medical Insurance

A family medical insurance can be called as a one stop solution that helps you to cover against medical emergencies for all your loved one in go. A policy holder has an option to get a full medical insurance coverage for the entire family which includes your kids and your wife along with your own coverage .Some family medical insurance policies also comes with coverage options for siblings, parents and in laws also. This policy can also act as a boon because you also save a lot of cost on your insurance premium if either way you aim to buy individual policies for each member of the family separately.

Common facts you should look into while choosing the right policy:

What is the basic coverage your policy offers? It is very important to understand how the coverage under your policy works. Other than in hospitalization benefits many policies do provide coverage facilities for expenses which you might have incurred before you have been admitted to the hospital and even cost involved post your hospitalization. Reimbursements for ambulance charges or diagnostics test are also covered by various insurers up to a certain limit
How claims are addressed by the insurance company? Most of the family medical insurance policy come with cashless facilities .The benefit of cash facility is that when you an urgent need to medical attention you can just visit to any of the partner hospitals of the insurance provider and get you treatment done without paying penny from your pockets. So you might get away with the hassle of collecting emergency cash. Other than cashless facility even if you are looking reimbursement done for expenses that you might have done with a non partnered hospitals, do understand what is the ease of settling claims in that case.
How it is easy to add a member into the policy or how can increase the coverage of the policy?
The best part of a family medical insurance policy is that you can any time add a member to the insured group and can increase the coverage of your plan but all these facilities come with certain limitations. In a case you and your spouse planning for your next baby do look to waiting time after which your new member can be get insured .Generally all insurance policies have 2 years of waiting time before you can take the benefit.
Similarly in a case if any senior citizen who was the part of the policy dies, you do need to understand if there is any change in the benefits enjoyed by other member of the family.
Another important factor is increase of medical coverage under you existing medical insurance policy. As with rising inflation the cost of hospitalization is also increasing and even that can happen even if any new member is added to the policy so do look at options provided by you medical insurance policy
What is the case of coverage for pre-existing medical states? There may be chances that you or any member of your family might have suffered with something well before you policy has come into force and which can also affect their future health. A regular insurance policy generally excludes the same as a part of the coverage but in case of a medical insurance they are in most of the time is covered but come with a waiting time of 4 years. This means that all the existing medical ailments would only be covered only after you have spent a 4 years from the date of the enforcement of the policy agreement.
What is the maximum age of policy renewal? Medical insurance policies would be more helpful only if they are available for your coverage when you actually need it. Most of the policies which are currently offered by insurers do give you an option to renew your policy till the age of 60 to 65 years. There are certain policies which give options for life time renewal and this is an important aspect to look while deciding upon which one to buy or not buy.
Does your policy offer continuous coverage options?
Generally all family medical insurance companies come with option where you renew the policy every year so that benefits in the succeeding years also continue .

Tax benefits under family medical insurance:

The tax benefits under a family medical insurance policy are exactly similar as the individual polices. You can claim tax benefits on the premium that you would pay on Section 80D of the income tax act. As per the current tax laws you can avail tax benefits to a maximum of Rs.55000 which includes Rs.25000 for yourself and Rs.30000 for senior citizen members of your family if you are paying premiums for them.
The benefits that a family medical insurance policy can offers can be wide in range and every insurers come with extra features which might or might not suite your specific requirement . The waiting time and exclusions under any policy are some serious things that need to understood.MyInusrancebazzar.com give you all possible options to select the right policy by the comparing every benefits that you are looking at from the wide range of insurance providers. Always does an online comparison before you buy a policy and so you not only buy the apt policy but also save yourself from paying extra premium for things which are of no use to you or family members. Plan accordingly

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Max Bupa Health Companion Individual Health Insurance Plan

Max Bupa health Insurance plans are offered by Max Bupa Health Insurance Company Limited in India which is venture established in collaboration with Bupa of UK which is a premium health insurance provider and Max group which runs one of the largest private hospital chains in the country and has also a lot of exposure in the life insurance business.

Max Bupa offers plans across all customer segments from individual plans to family plans to senior citizen plans and also offer insurance plans for specific health segment like cancer care etc. Max Bupa Health Companion Individual Health Insurance plan is a specific health insurance plan target individuals and their specific health needs.It is one of the most cost effective plan of individuals looking at effective health insurance cover.

Key Features Of Max Bupa Health Companion Plan:

  1. There is no specific entry age for policyholders in this plan making it more accommodative for  individual policyholders.
  2. The plans comes in three variants. The best part of the plan is that under each variants there are three buckets of sum assured under which any body can get themselves insured.
  3. The variants make the plan more customizable for individuals ,variant one is meant for people looking for small amount of cover where a part of their requirements are already fulfilled by the employer group medical. Variant two is meant for policyholders looking of mid-size cover. Individuals in the second half of their career might look at this type of cover and third variant is meant for people who are very close to retirement and have a more health insurance requirements because of higher health fragility.
  4. Max Bupa Health Companion Individual plan is one of earlier individual health plans in the industry to offer one crore of cover so people who have fragile health condition or have a family history of specific health condition can look to get insured under this plan.
  5. Any policyholder can opt for two different terms under the Max Bupa Individual Health Plan. People who have an habit of not remembering renewal dates can also opt two years term and through they can also avail discount in their premium also.

What Is Covered Under This Plan?

  1. An individual can opt for sum assured under three variant. Variant 1 offers three sub variants of sum assured - two lacs , 3 lacs and 4 lacs whereas Variant 2 offers four sum variants- 5 lacs , 7.5 lacs , 10 lacs and  12 lacs and under Variant 3 there are 5 sub variants - 15 lacs , 20 lacs, 30 lacs, 50 lacs and 100 lacs.
  2. A policy holder can opt for 30 days expenses getting covered incurred during the pre-hospitalization phase and 60 days in case of post-hospitalization phase.
  3. In case of claim free year , the insurer offers an additional 20% sum assured of the base cover to maximum limit of 100%.
  4. In case a policyholder has opted for 2 year term in his/ her policy can avail a discount of 12% on premium in the second year premium which means a maximum of 6% on each year premium.
  5. Max Bupa health plans for individual cover 100% of the inpatient treatment cost which is itself a boon for lot of individual policyholders.
  6. The plans offers 100% coverage of all expenses incurred in case of day care treatment.
  7. The plans is also effective for people looking organ transplant in future. If a family history exist in this case it is always individuals to opt for this plan and opt for an higher sum assured.
  8. The plans also offers free health checkup once in two years because Max already has a huge network of hospitals and dispensaries.
  9. Another best part of the plan is that all alternate medication treatment costs are covered under the plan and which is not the case with most other plans from other insurer . It is can anything ranging from Ayurvedic , Unani treatment etc subject to the condition the same is taken from registered practitioners.

Buying And Renewing Max Bupa Individual Health Insurance Plan:

Buying and renewing a max bupa individual health plan is quite easy.Anybody can do the same online by following few steps. As the plan is quite affordable for individuals and also offers 2 years of term make it more effective of individual policyholders. Though from the above review the plan looks quite good for individual but it is always advised for people to do an online comparison of the plan with other plans available from other insurers which can help one empower a person to make a good health insurance decision.

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Bharti Axa Health Insurance Plan Review And How To Buy Online?

Bharti AXA health insurance plan is one of it kind of health insurance which comes with three types of forms. The best part of the plan is its lifetime renewability option so that the plan stays with you when you actually require it.The plan is suitable for both individuals and family.Under the family plan maximum four members can be included into it.This includes the policyholder,the spouse and their two dependent children.

Understanding The Details Of The Plan:

  1. The plan comes three variable options depending on the maximum health insurance covered offered under them . They are :
  1. Smart Health basic : Under this the maximum covered allowed is Rs.200000
  2. Smart Health Premium: Under this maximum covered allowed is Rs.300000
  3. Smart Health Optimum: Under this the maximum cover allowed is Rs.500000

 

2. The plan comes with annual renewability feature.So if you have problem of forgetting renewal dates then it can be bit problematic for you.

3. Any policyholder can avail 5% discount on premium for every claim free and the discount can go upto 25%. This seems to be very effective feature for policyholders who follow a healthy routine.One should keep in mind that one should not be raising claims for minor emergencies which will not only eat away the whole cover but also one would also not be able to avail the discount which otherwise would have benefited the policyholder while renewing the policy.

4. The plan covers all possible hospitalization expenses mostly without any caping This makes it an effective plan for most people of any age and of any health conditions.

What The Plan Actually Covers?

  1. The plan covers all format of hospitalizations both domiciliary and day care treatments with no maximum limits attached to it.
  2. All pre and post hospitalization cost are covered under this plan so this plan becomes a true elements through which one can plan for lifetime health.
  3. As organ transplant requirement specially liver transplant becoming very common due to undisciplined lifestyle , the policy has taken the same into consideration and covers all treatments relating to transplantation without any cap on it.
  4. In case of post hospitalization if the person needs services of a home nurse the same is also covered under this policy which is an unique feature under this plan and very uncommon to other offerings in the market today.
  5. The waiting period of pre-existing diseases is just 4 years and which is very useful to a lot of policyholders. Reduced waiting period in most of the cases is a boon for the policyholder.As it is common with people already having some pre-existing condition before one taking the policy so reduced waiting period for preexisting health conditions is a must thing to look into while deciding upon a particular plan.
  6. The plan offers cover almost 20 plus critical illnesses. This wider coverage makes it good option for lot of policyholders to look into.

Understanding What Is Not Covered Under This Plan:

There are all lot of situations in which your health insurer might not be covering you.A proper understanding the same is very much needed to decide whether to take a individual plan or not take a plan.People generally avoid reading the terms and conditions section of the policy document and they end up complaining the insurer when the claim getting rejected. We have listed below the top exclusions under the plan so that one can judge whether to buy this particular health insurance plan or not.

  1. One should remember that diseases like HIV and other sexually transmitted diseases are not covered under this.
  2. The plan doesn’t cover pregnancy and birth related complication. You will always find plans covering this part though with a waiting period but this plan doesn’t cover it.So preferably the plan is not suitable for policyholders looking for comprehensive family health insurance plan.
  3. Please remember for getting one’s claim settled one should get a treatment done from a certified medical practitioner.Though alternative medical treatments are allowed under this plan but the doctor must be certified under a proper medical body.
  4. Any medical emergency inflicted by alcohol and drug abuse is not covered under this plan. One should remember if you make claim under this you really stopping yourself from getting your future claims also unsettled.
  5. Any medical disorder arising due to consumption of alcohol or drug is not covered under this plan.

So from the above explanation one can easily evaluate the plan is more suitable for individuals and not for family. Senior citizen can also opt of individual health insurance plan become of lifetime renewability feature under this plan. But before one decide to buy bharti AXA health insurance which anybody can do it online and can also renew the same through the same mode should compare the plan with other available plans. Online compare health insurance plans is always helpful in matching the right plans with one’s health condition and helps the person to save a lot of cost on premium but it is always advised to do it as early as possible.

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Star Health Family Health Insurance Plan Reviews And How To Buy Online

Star health and Allied Insurance is one of the first standalone health insurance companies in the country which started its operations in 2006.As per HT-Mars Survey it is rated as one of the best health insurance companies in the India which is very prompt in claims settlement.Star offers a bouquet of health insurance plans catering to both generalized health requirements and specific medical problems.Plans of Star health covers a whole array to policyholder requirement with separate plans being offered for both individuals and family.

Star Family health insurance  plan also known Star health family Optima.The plan is believed to one of the cheapest in its category but as smart policyholder we should always keep in mind while buying or renewing health insurance plans price should not be the only parameter. We know that we are in a world where there are no free lunches so everything has a price attached to it.A plan that fits to your current health requirement and future needs is the most apt plan to look into. Experts always advise policyholders to do an online comparison of health insurance plans from different insurers before they decide upon a particular plan.

SOME UNIQUE FEATURES OF STAR FAMILY HEALTH OPTIMA PLAN:

  1. The claim process is really quick under this plan. The policyholder is not required to get into the hassle of reporting everything to a third party agency and then wait for the insurer to respond to it.All claims are directly settled by the insurer which makes the claims settlement process very faster.
  2. Plans offers one of the biggest network of cashless hospitals which makes the process very easy for policyholders even in smaller towns and cities also.There are around 7500 registered hospitals in its cashless network.
  3. The plans offers a comprehensive cover for reproductive treatments and newly born with very less waiting period makes it an opt plan for newly weds.
  4. The policy also covers hospitalization and medication cost of day care treatments and domiciliary hospitalizations.
  5. Plans also has tied to various health care facilities in which the policyholder can get free health check up for every claims free year.
  6. Another best part is that in case of organ transplants the plans covers most part of it. Cases of liver transplant are very common this days because of undisciplined life style , this particular feature makes the life of the modern day policyholder very easy.
  7. The plan also cover ambulance charges without any cap and this also include services of air ambulance also which one might require when trapped in location which has no or less access to health care services.

UNDERSTANDING THE POLICY FINE PRINT:

Most policyholders in India complain about their insurer of getting their claims rejected though it  might not be a mistake ,either of the policyholders or the insurer. It is always recommended to look into the fine print of any policy before getting into a health insurance contract with insurer.Since these terms and conditions contains a lot of financial jargons so people tend to avoid them. To avoid people making this mistake we have listed below some important terms and conditions of Star family health optima plan which are important for policyholders looking to buy a star family health insurance plan :

  1. We should understand that under this plan there is cap on the hospital room rent which defines the amount which a policyholder can claim against this particular cost.The maximum rent coverage under this plan is Rs.4000 making this plan a bit unattractive value proposition though there are other superstar benefits attached with the plan. Going by the better known plans offered by other insurers with respect to this particular conditions, as per industry standards this is generally 2% of sum assured and generally there is no cap under the best plans.
  2. The entry age under this plan is 18 but the cover ceases post 60 years of age.This proposition can make a lot of policyholder uncomfortable towards applying for this plan.As we all know that health insurance is always needed at an older age and what if a policy which stops covering us after 60 years of age.
  3. Another important factor is at that there is a cap on the amount of cost that would be covered post hospitalization .The cap is generally 7% of post hospitalization cost incurred or Rs.5000 or whichever is less.
  4. With all these limitations the best thing the plan offers that the minimum sum assured that is offered under this plan is Rs.100000. For families who already has employer health insurance in plan can opt for this plan to fulfill their shortfall.
  5. The policy offers a copayment option of 20% which any body can opt for to reduce their premium if the policyholder has a done a good amount of financial planning for his/her family for health related emergencies.

Family health insurance plans are always better tools for planning one’s finances well. Plus the floater options this plans offer makes the usage of the plans very flexible for all the members of the family.But one thing we should keep in mind while taking a family health insurance plan is that don’t include your parents as members of the plan in which you, your wife and your kids are part of . Insurers charge you a premium based on the age of the eldest member in plan and plus your parents would always have higher health requirements compared your own health insurance.You can always opt for a senior citizen policy in which your parents can be a part of and if they are much older you should always opt for separate plans for father and mother respectively.

Star family health plan would is one of the good plans available in the industry today as it is being offered by a standalone health insurer but one should always compare plans offers by other insurers to make a right decision. You can also buy and renew you star family health insurance plan online which simplifies the decision making process more.

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Religare Care Health Insurance Plan overview:

Religare care health insurance plan from Religare General insurance more suited for people looking for higher amount of cover may be because of some specific health condition. Like any other health insurance plan it also helps the policyholder to cover for all medical expenses incurred due to injury, illness or accident. The plan offers a larger array of options in terms of health insurance cover ranging from as low as Rs.2 lac to 60 lacs .This higher amount of cover is most suitable for people buying their health insurance plan at an older age.

Key USP of Religare Care Health Insurance plan:

  1. There is no upper limit on age at which some body can enter into this plan unlike most available health cover plans, the maximum entry age is 60.
  2. There is no concept of loading under this plan.So even if one has raised a claim that doesn't leads to increase in the premium.
  3. There is a concept of auto renewal of cover during any policy term if the policyholder has already exhausted all the available cover under the plan without any extra cost being incurred by the policyholder.
  4. The policyholder or any other member as in case of family health insurance plan can avail free health care check ups from religare wellness centres all across the country.The best part this particular free service  is that it can  be accessed by policyholder and the same is not dependent on one’s claim history.
  5. People looking at getting treatment from outside India can also get covered under this. Unlike most other insurers the policy holder need to buy a different kind of health insurance plan to look after this specific need.
  6. Unlike any other health insurance plan which have fixed waiting period for all pre-existing health conditions but in case of Religare care health plan you always have an option to reduce the same which is an added advantage.

How Religare care health insurance works for the policy holder?

  1. The plan is very well available for individuals and families. Though it might seems to be a simple feature compared to what is offered by other insurers but as the policy facilitates for much higher amount of cover compared to most available plans from other insurer makes the  plan best suited family.
  2. .There is no entry barrier under plan and 91 days is the minimum under which a person can become a part of the plan and there is always an option of lifetime renewability
  3. The lowest amount of sum assured that one can ask for under this plan is Rs. 2 lacs and the highest possible cover is Rs.60 lacs
  4. People having an habit of not remembering renewal can look for this particular plan as there are multiple term options available ranging from 1 year to 3 years.
  5. There is no concept of copay for policyholders who have opted for cover of any amount subject to the condition that one of an age less than 60 . Co-pay of 20% of the claim amount is only triggered only if the person’s age is of 60 years and above the sum insured applied for is more than 5 lacs or above.
  6. In case pre-existing diseases the maximum waiting time under this plan is four years.

What is covered and how much is covered in Religare Care Health Insurance Plan?

  1. All inpatient care related hospitalization cost are covered to the fullest with any limits.
  2. All day care treatments even if his doesn’t involves a 24 hour hospitalization period is covered to the fullest.
  3. There are no limits on the ambulance charges which is a common phenomenon in case of most available health insurance plans in the market today.
  4. In case if the insured is suppose to go a through a domiciliary treatment before getting hospitalization , the cost incurred during this period is wholly covered subject to the condition that the same has occured 3 days before the original hospitalization happened.
  5. In case the policyholders has exhausted the total sum assured way before the term of the policy ends , the policyholder can avail a benefits of auto top up for that particular term without paying any extra cost.This particular auto top up can only be availed once in one policy term.
  6. In case the policyholders needs to health treatment in any of the medical facilities available here outside Indians borders , the same is completely covered under this health insurance plan without paying an extra but the claim is always settled through the reimbursement mode. No cashless facility is available in case of international treatments.

 

Thus looking at the above set of features and value propositions offered under Religare care health insurance plan it is better for people who are doing their insurance planning at a much older age.Though the paying premium at an younger age leads to lower premium but one has to keep in mind that at an early age one might not be able to enjoy all the benefits associated with under this plan. The plan is more suitable for family floater requirements and in case one has taken the a term of more than one year and if the number of members under this plan is more than or equal to two , the policyholder can also available discount on their premium.

Buy and Renew Religare Care Health Insurance Plan :

Though the plans looks very efficient and lucrative but it is always advised to do a online comparison of various health insurance plans available from different insurers before deciding upon a particular plan. Comparison of insurance plans before finalizing any plans always helps the policyholder to Buy Religare Care Health Insurance Plan and get the right amount of value against the premium the policyholders will pay that particular policy.

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HDFC ERGO Health Suraksha Plan: Buy And Renew Online

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.

Understanding the basic structure of HDFC ERGO Health Suraksha Plan:

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.

What is covered and What is not covered under HDFC Ergo Health Suraksha?

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.

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HDFC ERGO Health Suraksha Plan: Buy And Renew Online

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.

Understanding the basic structure of HDFC ERGO Health Suraksha Plan:

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.

 

What is covered and What is not covered under HDFC Ergo Health Suraksha?

  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.

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