HDFC Heath Insurance

 

Heath Insurance 

• Health Suraksh:
  Comprehensive coverage for you and your family with 4800+ network hospitals
  Features

  • Wide coverage: You can choose an individual Health Suraksha scheme or a Family Floater health insurance policy according to your requirements. The coverage is optimal and comes at an affordable price.

  
  

  • Time Period: You can opt for a HDFC ERGO Health Suraksha policy that runs for a time period of one or two years (With Life time renewability) .

  
  

  • Bonus: If your policy is claim-free you are entitled to a cumulative bonus.

  
  

  • Included Health check up: HDFC ERGO Health Suraksha will provide for at the cost of a health check up if you have completed 4 years without making a claim.

  
  

  • Service Points: You can make cashless claims across more than 4800+ network hospitals in India.

  
  

  • Tax Benefits: You can avail of the Income Tax benefits under Section 80D of the Income Tax Act.

  
  

  • Quick processing: Once you decide to purchase the HDFC ERGO Health Suraksha, the turnaround time of delivering your policy will be quick. Even the claims procedure is very straightforward.

  Click here to download the brochure.
  
  
  

  Benefits

  • You can buy policy online & get Instant policy issuance

  • No medical check-up required upto 45 years of age

  • You can avail tax benefit under Section 80D of the Income Tax Act.

  • You get Cumulative Bonus for each claim free year

  
  
  

  Here are the details regarding the coverage that the Health Suraksha policy offers:
  Health Suraksha - Individual & Family Floater Sum Insured
  
  

  
  Click here to read the policy wording.
  
  
  

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  Claim process

  The first step towards making a claim should be to call us on our toll free number of our TPA, Health Claim Servics on 1800 2 700 700 / 1800 200 1 999 .Our claims service personnel will guide through the claim procedure and documents required. Apart from that, you should follow the procedure as outlined below:

  Claims Procedure for hospitalization in Network Hospitals If your case is eligible under the insurance policy, the HCS will authorize our "Cashless Service" at any empanelled hospital.

  • As soon as possible, you must inform HCS and co-ordinate with the hospital to have the details sent to the HCS to authorize the cashless service.

  • On discharge, verify and sign hospital bills and pay for what is not covered under your health policy.

  • The original discharge summary and other investigation reports should be handed over to the hospital. Please retain a photocopy for your records.

  • In case hospitalization dates are known, kindly co-ordinate with the hospital and send in all the details of your hospitalization to the HCS at least 3 days prior to your admission, including the plan of treatment, cost estimates etc. You also need to indicate the contact details of the hospital to where the authorization has to be sent.

  Claims Procedure for hospitalization in Non-Network Hospitals

  In case of hospitalization in non-network hospitals, you must follow the procedure as outlined below:

  • Inform the HCS as soon as possible.

  • At the time of discharge, settle all hospital bills in full and collect the bills, documents and reports.

  • Register your claim with the HCS for processing and reimbursement

  To register your claim, send the following documents to the HCS :

  • Duly signed claim form

  • Identity proof

  • Copy of Policy Document

  • All hospital bills in original with detailed breakup for consolidated amounts

  • Bills for medicines purchased from outside, should be accompanied by a doctor's prescription

  • On discharge, verify and sign hospital bills and pay for what is not covered under your health policy.

  • Discharge summary / Discharge card in original

  • All investigation reports in original

  To make sure you get the complete benefits of the claim, kindly make a note of the following:

  • Please register your claim with HCS within 7 days of your discharge from hospital.

  • Documents, in addition to those mentioned above, may be asked for, depending on the nature of claim lodged. Please retain a copy of the documents sent for your records.

  • Any delay in claim intimation may lead to rejection of the claim.

  • Issuance of the claim form should not be taken as admission of liability under the policy on the part of the insurer.

  Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.

  Certified Corporate Agent's License No. HCG 933982