Escalating cost of medical treatment is getting beyond the reach of the common man in India. Imagine being diagnosed with an illness and need to get hospitalized.
More than the disease itself, an individual today worries more about the collateral damage that one has to face on account of hospitalization.
In the light of escalating healthcare costs and emergence of lifestyle disorders, coupled with demand for quality healthcare services, Health Insurance is the only viable mechanism for financing healthcare.
Health Insurance protects individuals and dependents against any financial constraint arising due to a medical emergency.
If you are covered under a Health Insurance policy, you pay a certain amount of premium every year to the insurance company and if you have an accident or if you have to undergo an operation or a surgery, the insurance company will pay for the medical expenses.
To protect against potential medical emergencies, general insurance major HDFC ERGO General Insurance provides a comprehensive health insurance plan fitting well in everyone’s budget.
HDFC ERGO’s Health Suraksha plan provides cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses associated with medical emergencies.
The plan not only covers hospitalization expenses due to accidents or illness, but also extends to cover pre- and post-hospitalization expenses, day-care procedures, domiciliary treatment, organ donor expenses, emergency ambulance etc.
Under HDFC ERGO’s Health Suraksha Plan, a policyholder has option to choose Individual or Family Floater Health Insurance.
While an Individual insurance plan covers a single individual, one can insure his / her family’s health under the Family Floater Plan at an affordable premium. A policyholder has a choice of going for either an annual policy or a two-year policy.
For every claim-free year, the policyholder gets a cumulative bonus of 5% of the basic sum insured. And after four continuous claims-free years, the company provides a free health check-up to the policyholder as a renewal incentive.
Also, HDFC ERGO provides a network of 5000-plus hospitals to choose from to avail cashless services. Within Network hospitals, HDFC ERGO directly reimburses all the admissible expenses to the hospital.
In case of non-network hospitals, a policyholder has to settle hospital bills at the time of discharge, and consequently, the same will be reimbursed to him/her by HDFC ERGO.
And yes, you can get instant quotes online on your desired health plan and buy the right Health Suraksha Plan for you and your family.