HDFC ERGO Health Suraksha Gold Plan

• Team Antworks

HDFC ERGO is a private sector insurance company in India which offers insurance in personal, travel, health insurance, motor and home sectors.

Features & Benefits – HDFC ERGO Health Suraksha Gold:

Entry age	No limit
Renewal	Life long renewability
Policy term	1-2 years
Type of plan	Individual Family floater
Cover	Day care procedures Pre hospitalisation charges Post hospitalisation charges Domiciliary treatment Organ donor In-patient treatment costs Hospital room rent Doctor fee Emergency ambulance
Key features	Optimized health insurance plan at affordable cost No limit for age entry Life long renewability Cashless service at 4800+ hospitals Hassle free claim procedure Limited documentation E opinion provided upon diagnosis of critical illness Ayush cover available without any sub limit
Benefits	Maternity benefit available after a waiting period of 4 years along with new born baby cover Cumulative bonus- 5% of the Basic Sum Insured every claim free year subject to a maximum of 50% of the basic sum insured. Health check up at the end of continuous four claim free years Tax benefits
Tax benefits	Tax benefits under section 80D of the Income Tax Act
Discounts	10% discount for 2 year tenure of the policy Family discount of 10% if 2 or more family members are covered under the plan on Individual Sum Insured basis
Exclusions	Pre-existing conditions will not be covered for first 48 months Abuse of intoxicant or hallucinogenic substance like drugs and alcohol Pregnancy, dental and external aids and appliances unless covered under specific Plans Terrorist activities, radioactivity or war Any treatment within first 30 days of cover except any accidental injury Mental disorder or insanity Cosmetic surgery and weight control treatment AIDS/HIV Self inflicted injury Preventive care and vaccination