General Insurance

HDFC ERGO Health Suraksha Gold with Regain and ECB

Eligibility Criteria

Minimum Entry Age	No Limit
Maximum Entry Age	No Limit

Key Highlights

No Limit for age at entry
No sub limits on any disease, room rent, hospital charges and doctor fees

Product Features

Key Features

Sum Insured Sum Insured is the amount of cover provided by the insurance company.	3 lacs, 4 lacs,5 lacs, 7.5 lacs and 10 lacs sum insured available under this plan.
In-patient hospitalisation This covers hospitalization expenses due to an illness or accident.	The plan covers hospital accommodation up to Single private room, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
Pre-hospitalisation It covers the medical expenses due to an illness before the insured is hospitalized.	The plan covers pre-hospitalization expenses of up to 60 days.
Post-hospitalisation It covers the medical expenses due to an illness after the insured is discharged from hospitalization.	The plan covers post-hospitalization expenses of up to 90 days.
Room Rent Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.	This plan doesn’t have any sub limit on room rent.

Other Features

Organ Donor Cover The medical expenses for an organ donor's treatment in the event of organ transplantation.	This policy covers the expenses for organ donor’s treatment up to Sum Insured.
Domicilliary Hospitalisation If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domiciliary hospitalization.	The plan covers domiciliary hospitalization up to Sum Insured.
Day Care Treatments These are treatments that don’t require a 24-hrs hospitalization and conducted in a hospital or day-care center.	This plan covers the expenses of day care treatments up to Sum Insured.
Regain benefit Under this feature, the policyholder’s entire sum insured is automatically restored back to him upon exhaustion of the limit of the coverage during the policy period.	If the policyholder’s basic sum insured inclusive of the no-claim bonus is exhausted, he will be automatically provided with 100% of sum insured.
No-claim Bonus If the policyholder does not make any claim during the year, he is entitled to a bonus in addition to his sum insured.	With every claim-free year, the plan provides an additional 10% bonus on sum insured.

Exclusions

Genetic Disorder
Sexually transmitted disease or illness
Artificial Life Maintenance
Mental disorders (including treatments for mental health)
Weight loss treatment
Alternative Practice
Recovery Benefit
Congenital external disease

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