Choose the best health insurance policy through HDFC Ergo

In today's fast-paced life buying a health insurance policy is one of the most important tasks.

 Today we will discuss HDFC ERGO's health protection policy. Before buying HDFC ERGO's health protection policy, I would like to know about this policy.

 There are a few things you should know before buying any health policy. First of all, I will know why buy a health insurance policy?

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Why buy a health insurance policy:

Health insurance has become an important part of our lives. With the outbreak of new diseases and the rising cost of treatment, it is wise to have health insurance for the common people.

The problem is not choosing the right health insurance policy

But the problem is that we get into trouble when it comes to buying a health policy.

 Related post: This Is Why Health Insurance Benefit Is So Famous

 We don't know which one to buy. Many times agents or brokers tell you to buy the wrong policy keeping in mind their income. And you buy the policy without knowing the details before you buy the policy. 

As a result, you are at risk in all four directions. First of all, your insurance benefit means not getting coverage or getting less. The second is to pay your extra bills. Thirdly, not getting the right treatment for your patient, and fourthly, the financial loss for choosing the wrong policy.

Let's come to today's discussion.

HDFC ERGO My Health Insurance Plan:

The HDFC ERGO My Health Protection Policy is available in three variants. The first is Silver Smart, the second is Gold Smart and the third is Platinum Smart Policy. Now let's talk about the benefits of each policy. Here are some things to look for when selecting a health policy. Whether there is a room rent facility. Concerning pre and post-hospitalization costs etc.

Read the related post: How Health Insurance Can Decrease Your Tension Positively

Sum Assured:

In this case, if you buy a Silver Smart policy, you will get coverage from three lakhs to five lakhs according to the premium of your policy.

But if you buy a smart gold policy, you will get coverage from Rs 7.5 lakh to Rs 15 lakh depending on the policy. And if you buy a platinum policy, your coverage can be from twenty lakhs to seventy-five lakhs.

Room Rent Coverage:

These three types of policies, be it silver, gold, or platinum, do not have room rent capping.

ICU:

If any of your patients are admitted to ICU, then the actual cost for ICU will be paid. In that case, no limit was set. You can get it according to your Sum Assured Value.

Pre and post hospitalization costs:

If you become ill and are hospitalized after purchasing HDFC ERGO's My Health Insurance Policy, you will receive the type of expenses you will incur for the 60 days before hospitalization, such as tests, doctor visits, physio, and other medical expenses.

 In addition, the costs incurred after discharge from the hospital such as medicine, tests, checking, etc., such costs will come under your coverage.

Day Care Facility:

HDFC ERGO My Health Protection Insurance Policy has a daycare facility. If you only go to the hospital for one day for treatment or have surgery, then the cost for that day will be covered.

Organ transplantation:

If you need an organ transplant such as liver, kidney, etc., the cost of treatment of the person who will donate the organ will be covered by your Sum Assured.

Ambulance cost:

If you need ambulance service as soon as you get sick, you will get an ambulance cost of up to Rs.2000 for each hospitalization for Silver Policy.

But if you buy a Gold policy, you will get an ambulance cost of up to Rs 3,500 and up to Rs 15,000 for a Platinum policy with a Sum Assured value of over Rs 50 lakh.

Air Ambulance:

If you have to take an air ambulance then you have to buy a Gold or Platinum policy. You will get air ambulance coverage up to Rs 2 lakh for the Gold policy and up to Rs 5 lakh for the Platinum policy.

Domiciliary treatment:

If you are not in a condition to go to the hospital for treatment but you have to provide a hospital facility at home then you will get the cost for three days from your Sum Assured Value.

Age limit:

HDFC ERGO Health Protection Insurance has been available to the police for 18 years. In this case, there is no upper age limit. And for children up to the age of 25, you can buy this policy. This service for newborns is only available when the baby is three months old.

Income Tax Exemption:

You are exempt from HDFC ERGO Health Protection Policy under Section 80D of the Income Tax Act.

No Claim Bonus:

If you do not make a claim, you will receive a bonus of up to 100%, up to 10% of the Sum Assured for each year.

In addition, you can get Home Health Care Benefit, AYUSH Benefit according to certain conditions.

Preventive health checkup:

You can check your health every year in collaboration with HDFC's hospital network service provider through this policy. And that's free of cost. In this, you can do an X-ray, ECG, blood test, etc. for free of cost.

Policy premium as per TIER:

HDFC ERGO Health Protection Insurance policies are divided into three tiers. It is based on the cost of treatment. TIER 1A for Delhi and NCR region, TIER 1B for cities like Mumbai, Surat, Ahmedabad, Pune, Vadodara, etc., and TIER 2 for the rest of India. If you take the TIER 2 policy, you will have to pay 20% for treatment in TIER1A or TIER IB area. Similarly, if you buy TIER 1B policy and want to treat TIER1A, you have to pay 20%. But if you buy TIER 1A then you can get treatment anywhere in India.

Exclusion:

Before buying any health insurance, you should check out the exclusions.

Here if you get sick within 30 days of buying the policy you will not get any coverage except accident.

If you are already suffering from any ailment like pressure, sugar, etc. at the time of buying your policy, you will have to wait up to four years to get treatment coverage for the ailment.

If you have already had a hernia, kidney stone, gallbladder stone before you have a policy, you will have to wait two years to get coverage.

In addition, if there are contact lenses, hearing aids, any defects from the time of birth, etc., they will be included in the exclusion.

Conclusion:

HDFC ERGO Health Protection Insurance Policy is a reliable policy. However, I would suggest you read the details before buying any health insurance policy. Otherwise, you may get in trouble later. Buy policies with caution. Protect yourself and your family.