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HDFC ERGO Health suraksha gold plan regain F..
HDFC ERGO Health suraksha gold plan regain F..




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HDFC ERGO Health suraksha gold plan regain Family Floater

1 Details
1.1 Company Name
HDFC ERGO General Insurance
1.1.1 Incurred Claims Ratio (13-14)
New India Senio..
92.91 %
Rank: 7 (Overall)
SBI General F F
1.1.2 Incurred Claims Ratio (14-15)
Oriental Happy ..
56.48 %
Rank: 18 (Overall)
L And T Medisure Prime
1.1.3 Network Hospitals
SBI General F F
5000 +
Rank: 3 (Overall)
Oriental Happy Family Floater Gold
ADD ⊕
1.2 Type of Plan
Individual Insurance
1.2.1 Subtypes
Not Available
1.3 Policy Status
Active
1.4 Buy Online
62% Family Health Insurance Health Insurance Plans have it !
1.5 UIN
IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.II/158/13-14
1.6 Tax Benefits
All Family Health Insurance Health Insurance Plans have it !
1.7 Cashless Hospitalization
All Family Health Insurance Health Insurance Plans have it !
1.8 Discounts
57% Family Health Insurance Health Insurance Plans have it !
1.8.1 Description
10% discount for 2 year tenure of the policy, Family discount of 10% if 2 or more family members are covered.
2 Eligibility
2.1 Entry Age for Adults
2.1.1 Minimum
Bajaj Allianz H..
Not Available
Rank: N/A (Overall)
Apollo Munich Optima Vital
ADD ⊕
2.1.2 Maximum
New India Senio..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Insta Insure
ADD ⊕
2.2 Entry Age for Dependent Children
2.2.1 Minimum
Bajaj Allianz C..
Not Available
Rank: N/A (Overall)
IFFCO TOKIO Family Health Protector
ADD ⊕
2.2.2 Maximum
Apollo Munich M..
Not Available
Rank: N/A (Overall)
Reliance Healthgain Policy
ADD ⊕
2.3 Sum Assured
2.3.1 Minimum
Future Generali..
₹ 300000
Rank: 7 (Overall)
Bajaj Allianz Daily Cash
2.3.2 Maximum
Cigna TTK Lifes..
₹ 1000000
Rank: 15 (Overall)
Bajaj Allianz Daily Cash
2.4 Policy Term
2.4.1 Minimum
Bharti AXA Life..
1 Year
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
ADD ⊕
2.4.2 Maximum
Future Generali..
2 Years
Rank: 6 (Overall)
Bajaj Allianz Women Critical Illness
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2.5 Medical Screening
66% Family Health Insurance Health Insurance Plans have it !
2.5.1 Age Criteria
Oriental Happy ..
Not Available
Rank: N/A (Overall)
Future Generali Health Total Superior
ADD ⊕
3 Hospital Cover
3.1 Hospitalization
3.1.1 Pre-Hospitalization
Future Generali..
Covered up to 60 Days
Rank: 2 (Overall)
Apollo Munich Dengue Care
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3.1.2 Post-Hospitalization
Apollo Munich O..
Covered up to 90 Days
Rank: 3 (Overall)
Apollo Munich Dengue Care
ADD ⊕
3.2 Room Rent
88% Family Health Insurance Health Insurance Plans have it !
3.3 Recovery Benefits
20% Family Health Insurance Health Insurance Plans have it !
3.3.1 Amount
Apollo Munich E..
Not Available
Rank: N/A (Overall)
SBI General F F
3.4 OPD Charges
27% Family Health Insurance Health Insurance Plans have it !
3.5 Non Allopathic Treatment
22% Family Health Insurance Health Insurance Plans have it !
3.6 Day Care Procedures Covered
Religare Care I..
144
Rank: 7 (Overall)
Bajaj Allianz Surgical Protection
ADD ⊕
3.7 Domiciliary Hospitalization
69% Family Health Insurance Health Insurance Plans have it !
3.8 Daily Cash Facility
59% Family Health Insurance Health Insurance Plans have it !
3.8.1 Description
Not Applicable
4 Medical Cover
4.1 Ambulance Charges
Royal Sundaram ..
₹ 3500
Rank: 5 (Overall)
Reliance HealthWise Ind
ADD ⊕
4.2 Air Ambulance Charges
6% Family Health Insurance Health Insurance Plans have it !
4.3 Medical Fees
4.3.1 Consultant
82% Family Health Insurance Health Insurance Plans have it !
4.3.2 Surgeon
84% Family Health Insurance Health Insurance Plans have it !
4.3.3 Specialist
76% Family Health Insurance Health Insurance Plans have it !
4.3.4 Anesthetist
75% Family Health Insurance Health Insurance Plans have it !
4.3.5 Medical Practitioner
84% Family Health Insurance Health Insurance Plans have it !
4.3.6 Nursing
88% Family Health Insurance Health Insurance Plans have it !
4.4 Medical Charges
4.4.1 Blood
80% Family Health Insurance Health Insurance Plans have it !
4.4.2 Oxygen
82% Family Health Insurance Health Insurance Plans have it !
4.4.3 Anesthesia
88% Family Health Insurance Health Insurance Plans have it !
4.4.4 Medicine
78% Family Health Insurance Health Insurance Plans have it !
4.4.5 Operation Theater
88% Family Health Insurance Health Insurance Plans have it !
4.5 Organ Donor Expenses
67% Family Health Insurance Health Insurance Plans have it !
5 Benefits
5.1 No Claim Bonus
5.1.1 Minimum
Apollo Munich O..
5 % of Basic Sum Insured
Rank: 6 (Overall)
Apollo Munich Optima Senior
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5.1.2 Maximum
Apollo Munich O..
50 % of Basic Sum Insured
Rank: 2 (Overall)
LIC Jeevan Arogya
ADD ⊕
5.2 Health Checkups
76% Family Health Insurance Health Insurance Plans have it !
5.2.1 Description
Available once at the end of every 4 claim free years
5.3 AYUSH Treatment
Covered Up to Sum Assured
5.4 Maternity Expenses
49% Family Health Insurance Health Insurance Plans have it !
5.4.1 New Born Baby Cover
44% Family Health Insurance Health Insurance Plans have it !
5.5 Critical Illness Cover
39% Family Health Insurance Health Insurance Plans have it !
5.5.1 Expert Opinion
16% Family Health Insurance Health Insurance Plans have it !
5.5.2 Illnesses Covered
Not Available
5.6 Accidental Cover
5.6.1 Accidental Death Benefit
18% Family Health Insurance Health Insurance Plans have it !
5.6.2 AD Description
Not Applicable
5.6.3 Child Education Benefit
6% Family Health Insurance Health Insurance Plans have it !
5.6.4 CE Description
Not Applicable
5.6.5 Permanent Total Disablement
14% Family Health Insurance Health Insurance Plans have it !
5.6.6 PTD Description
Not Applicable
5.6.7 Temporary Disablement Benefit
8% Family Health Insurance Health Insurance Plans have it !
5.6.8 TD Description
Not Applicable
5.7 Restoration of Sum Insured
22% Family Health Insurance Health Insurance Plans have it !
5.8 Multiplier Benefit
31% Family Health Insurance Health Insurance Plans have it !
6 Terms and Conditions
6.1 Cancellation Period
6.1.1 For Insurance Provider
Apollo Munich O..
30 Days
Rank: 1 (Overall)
Royal Sundaram Surgicare
ADD ⊕
6.1.2 For Policy Holder
Apollo Munich O..
30 Days
Rank: 3 (Overall)
Royal Sundaram Surgicare
ADD ⊕
6.2 Rate of Premium Retained
6.2.1 Up to 1 Month
Star Family Hea..
25.00 % of annual premium
Rank: 3 (Overall)
Star Health Accident Care
ADD ⊕
6.2.2 Up to 3 Months
Star Family Hea..
50.00 % of annual premium
Rank: 5 (Overall)
L And T Personal Accident Insurance
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6.2.3 Up to 6 Months
Star Family Hea..
75.00 % of annual premium
Rank: 6 (Overall)
Max Bupa Heartbeat Ind Gold
ADD ⊕
6.2.4 Exceeding 6 Months
Bajaj Allianz W..
100.00 % of annual premium
Rank: 2 (Overall)
ICICI Lombard Health Booster
ADD ⊕
6.3 Policy Renewal
Lifelong
6.4 Grace Period
Bajaj Allianz W..
30 Days
Rank: 1 (Overall)
SBI General F F
ADD ⊕
6.5 Free Look Period
Bajaj Allianz W..
15 Days
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
6.6 Waiting Period
6.6.1 No Claim Period
Future Generali..
30 Days
Rank: 2 (Overall)
Bajaj Allianz Personal Accident
ADD ⊕
6.6.2 Specific Waiting Period
24 months for specific illnesses
6.7 Claim Based Loading
6% Family Health Insurance Health Insurance Plans have it !
6.8 Cover for Pre-Existing Diseases
Apollo Munich O..
after 48 Months
Rank: 5 (Overall)
Bajaj Allianz Silver
ADD ⊕
6.9 Co-Pay
53% Family Health Insurance Health Insurance Plans have it !
6.10 Sub-Limits
27% Family Health Insurance Health Insurance Plans have it !

Information About HDFC ERGO Health Suraksha Gold Regain F F

Information About HDFC ERGO Health Suraksha Gold Regain F F includes details about the type of plan, name of the insurance provider, policy status etc. HDFC ERGO Health suraksha gold plan regain Family Floater is a individual insurance provided by HDFC ERGO General Insurance. The company had an incurred claims ratio of 92.91 % for the financial year 2013-14 and 56.48 % for the financial year 2014-15. Incurred claims ratio is the ratio of claims incurred to the premiums collected by the insurance company. The plan is active and can be bought.

HDFC ERGO Health Suraksha Gold Regain F F Eligibility provides important information of the policy, such as minimum and maximum limits of sum assured, entry age etc. Minimum age to be eligible to buy this plan is Not Available.Cashless hospitalization is the facility provided by insurance company. Under this facility, the company directly settles medical bills, incurred during treatment of the policy holder, with the hospital.Cashless hospitalization facility is available for this health insurance policy. Minimum sum assured under HDFC ERGO Health suraksha gold plan regain Family Floater is ₹ 300000. Maximum sum assured option available under the plan is ₹ 1000000.

Covers under HDFC ERGO Health suraksha gold plan regain Family Floater

Medical and hospital covers under HDFC ERGO Health suraksha gold plan regain Family Floater include various covers such as Pre-hospitalization cover, post-hospitalization cover, room rent, OPD charges, cover for day care procedures, domiciliary hospitalization cover, Ambulance charges, Medical fees, Medical charges etc. Pre-Hospitalization is Covered up to 60 Days under HDFC ERGO Health suraksha gold plan regain Family Floater.Post-Hospitalization is Covered up to 60 Days under the plan. HDFC ERGO Health suraksha gold plan regain Family Floater covers full or partial rent of the room when the insured is admitted to the hospital. OPD charges are not covered under HDFC ERGO Health suraksha gold plan regain Family Floater.

Day care procedures are the medical treatments that do not require the insured to be admitted to the hospital for more than 24 hours. 144 such procedures are covered under this policy. Domiciliary hospitalization charges are the expenses that occur when the medical treatment is taken at home. Such expenses are covered in this plan. Ambulance charges up to ₹ 3500 are covered under the plan. Various medical fees and medical charges are also covered under this policy.

Important Benefits Under HDFC ERGO Health suraksha gold plan regain Family Floater

Important Benefits under HDFC ERGO Health suraksha gold plan regain Family Floater may include no claim bonus, health check-ups, cover for Maternity expenses, Critical illness cover etc. HDFC ERGO Health suraksha gold plan regain Family Floater Benefits includes information about additional benefits available under the plan. The minimum no claim bonus you can get under HDFC ERGO Health suraksha gold plan regain Family Floater for not claiming the policy in previous term equals to 5 % of Basic Sum Insured. The bonus amount can rise up to the maximum of 50 % of Basic Sum Insured. Periodic health check-ups are available to the insured persons under this policy. Maternity expenses are covered under this health insurance policy. Critical illness cover is not available in this plan.

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