Optimized health insurance plans at affordable cost.
A network of more than 6000+ hospitals to choose from to avail cashless services.
No limit for age at entry.
Sum Insured Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs.
AYUSH cover available without any sub limit.
Enhanced Cumulative Bonus at 10% per claim free year up to 100% of Sum Insured.
Option to choose from Individual or Family Floater Health Insurance Plans.
REGAIN benefit - Automatic availability of Sum Insured upon its exhaustion.
Enjoy hassle free claim procedures.
No sub-limits on any disease, room rent, hospital charges and doctor fees.
Basic Sum Insured Per Policy Year: Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs.
In-patient Treatment: Hospitalization costs due to illness or accident are covered up to the policy Sum Insured.
Pre-hospitalization: Medical costs incurred during 60 days prior to hospitalization are reimbursed.
Post-hospitalization: Medical costs incurred during 90 days period following discharge post hospitalization are reimbursed.
Day Care Procedures: Expenses for 144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed.
Domiciliary Treatment: The medical expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required hospitalization on the advice of the attending medical practitioner, if the Insured Person could not be transferred to a hospital or a hospital bed was unavailable are reimbursed.
Organ Donor: Medical costs for harvesting an organ donated are reimbursed.
Emergency Ambulance (Limit per hospitalization): Up to Rs. 2,000 for SI Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 3,500 for SI Rs. 7.5 lakhs and Rs. 10 lakhs reimbursed as ambulance expense during an emergency.
AYUSH Benefit: Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed up to Sum Insured.
Health checkup: HDFC ERGO will offer health checkup only once at the end of continuous four claim free years during which you have been insured with them. The maximum liability will be subject to 1% of the Sum Insured for this policy year or the subsequent policy years up to a maximum of Rs. 5,000. In case of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.
Regain Benefits: Provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the policy year.
Enhanced Cumulative Bonus: The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim.
Regain benefit provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year.
Basic sum insured will be re-instated only once in health insurance policy year.
If the Regain SI is not utilized in a policy year, it shall not be carried forward to any subsequent insurance policy year.
Regain benefit cannot be withdrawn at subsequent renewals.
Regain SI can be used for only future claims and not against any claim for an illness / disease (including its complications) for which a claim has been paid in the current policy year.
Any treatment within first 30 days of cover except any accidental injury.
Pre-existing conditions will not be covered for first 48 months.
Mental disorder or insanity, cosmetic surgery, weight control treatment.
Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind.
Pregnancy, dental and external aids and appliances unless covered under specific plans.
Terrorist activities, radioactivity or war.
The insurance plan is underwritten by HDFC ERGO General Insurance Company Limited. HDFC ERGO General Insurance Company Limited.(Formerly HDFC General Insurance Limited from Sept, 14, 2016 and L&T General Insurance Company Limited upto Sept, 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll-free: 1800 2 700 700 (Accessible from India only) | Fax: +91 22 66383699 | care@hdfcergo.com | www.hdfcergo.com. For more details on the risk factors, terms and conditions, please read the sales brochure before concluding the sale. Trade Logo of HDFC ERGO General Insurance Company Ltd. displayed belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company Limited under license. This insurance product is underwritten by HDFC ERGO General Insurance Company Limited. The Saraswat Cooperative Bank Ltd, (Saraswat Bank Ekanath Thakur Bhawan 953, AppasahebMaratheMarg, Prabhadevi, Mumbai- 400 025) is a corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0137. UIN: HDFHLIP10001V020910. IRDAI Reg. No. 146.
Optimized health insurance plans at affordable rates.
Option to choose Individual or Family Floater Health Insurance.
Choose a health insurance plan from either an annual policy or a two year policy.
Get a Cumulative Bonus on completion of every claim free year.
Get health checkup expenses reimbursed on completion of 4 claim free years.
Health checkup not mandatory for individuals below 45 years of age.
Enjoy hassle free claim procedures .
No sub-limits on hospital room rents, hospital expenses, specific diseases etc.
Basic Sum Insured Per Policy Year: Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs.
In-patient Treatment: Hospitalization costs due to illness or accident are covered upto the policy Sum Insured.
Post-hospitalization: Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed.
Emergency Ambulance (Limit per hospitalisation): Up to Rs. 2,000 reimbursed as ambulance expense during an emergency.
AYUSH Benefit: Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed.
Cumulative Bonus: 5% of basic sum insured every claim free year subject to a maximum of 50% of the basic sum insured. Cumulative Bonus will be reduced by 5% of the basic sum insured in case of a claim.
Health checkups: Health checkup only once at the end of continuous four claim free years during which you have been insured with HDFC ERGO. The maximum liability will be subject to 1% of the Sum Insured for this policy year or the subsequent policy years up to a maximum of Rs 5,000. In case of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.
A waiting period of 30 days for claims.
A waiting period of 2 years for particular diseases and treatments like surgery on tonsils and sinuses, internal tumors, cysts etc.
Pre-existing conditions not covered until covered for 48 months continuously.
War or any sort of armed conflicts.
Breach of any law with an intent of crime.
Suicide attempts / Suicide, injuries due to an act of self-destruction or self-inflicted injury.
Claims for illnesses arising due to intoxication of drugs and alcohol.
Plastic or cosmetic surgery unless carried out as a part of medically required treatment.
Vaccinations including inoculation and immunizations taken as part of preventive measures.
For a complete list of exclusions, kindly refer the policy wordings document.
Home is where the heart is, as rightly said. A home is the place of innumerable memories; no money is better spent than what is invested on your home. Thus safeguarding your home from unforeseen events becomes a priority and the best way can be securing with home insurance. An adequate and a comprehensive home insurance policy must be on top of your priority list. It is just not enough to have an insurance cover for your home but what matters is the right home insurance that covers all possible liabilities.
A home insurance that adequately safeguards your priceless property and possession.
A home insurance that protects both your home structure and the household contents.
Low Cost Optional Cover for Burglary including Theft and Larceny.
Avail up to 15% premium discount for Security Features.
Tenure in Home Insurance Policy can be from 1 year to 5 years.
Fire and Special Perils: Building (Section I) and Contents (Section IA) covers the structure of your home and contents against.
The sum insured for the structure of the house is based on the reinstatement value. Quite simply, it would be the reconstruction cost of the house in the event of any loss / damage due to any of the insured events like fire, riots, storm, flood and so on.
Burglary and Housebreaking including larceny and theft (Section II) - Contents (as defined by Indian Penal Code).
You can also insure the contents like electronic equipment's, furniture and fixtures, clothes of your home against loss due to burglary and housebreaking.
Sum Insured for contents under Section I A Fire & Special Perils and Section II burglary & theft should be the same.
Sum Insured for personal effects like clothing, footwear etc. is calculated on market value.
Sum Insured for contents like furniture, fixtures, fittings, electrical or electronic appliances and specified items calculated on re-instatement value.
Loss or damage caused by depreciation or wear and tear and consequential loss of any kind.
Loss or damage arising from any consequences of war, invasion, act of foreign enemy, hostilities etc.
Loss or damage contributed to by nuclear weapons material and / or lionizing radiations.
Loss, destruction or damage to articles of consumable nature, livestock and motor vehicles.
Loss, destruction or damage to any electrical machine, apparatus, fixture or fitting arising from or occasioned by over-running, excessive pressure, short circuiting provided that this exclusion shall apply only to the particular so affected and not to other machines, apparatus, fixtures or fittings which may be destroyed or damaged by fire so set up.
Loss of earnings, or other consequential or indirect loss or damage of any kind or description whatsoever.
The insurance plan is underwritten by HDFC ERGO General Insurance Company Limited. HDFC ERGO General Insurance Company Limited.(Formerly HDFC General Insurance Limited from Sept, 14, 2016 and L&T General Insurance Company Limited upto Sept, 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll-free: 1800 2 700 700 (Accessible from India only) | Fax: +91 22 66383699 | care@hdfcergo.com | www.hdfcergo.com. For more details on the risk factors, terms and conditions, please read the sales brochure before concluding the sale. Trade Logo of HDFC ERGO General Insurance Company Ltd. displayed belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company Limited under license. This insurance product is underwritten by HDFC ERGO General Insurance Company Limited. The Saraswat Cooperative Bank Ltd, (Saraswat Bank Ekanath Thakur Bhawan 953, AppasahebMaratheMarg, Prabhadevi, Mumbai- 400 025) is a corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0137. UIN: IRDAN125P0017V01201415. IRDAI Reg. No. 146.
Cashless claim service over 4800+ network of garages across India*.
The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property damage of a third party incase of an accident involving your vehicle.
The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 lakhs covering Accidental Death and Permanent Total Disability. It also covers the named and unnamed passengers up to the seating capacity of the vehicle and paid driver.
The insurance plan is underwritten by HDFC ERGO General Insurance Company Limited. HDFC ERGO General Insurance Company Limited.(Formerly HDFC General Insurance Limited from Sept, 14, 2016 and L&T General Insurance Company Limited upto Sept, 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll-free: 1800 2 700 700 (Accessible from India only) | Fax: +91 22 66383699 | care@hdfcergo.com | www.hdfcergo.com. For more details on the risk factors, terms and conditions, please read the sales brochure before concluding the sale. Trade Logo of HDFC ERGO General Insurance Company Ltd. displayed belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company Limited under license. This insurance product is underwritten by HDFC ERGO General Insurance Company Limited. The Saraswat Cooperative Bank Ltd, (Saraswat Bank Ekanath Thakur Bhawan 953, AppasahebMaratheMarg, Prabhadevi, Mumbai- 400 025) is a corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0137. UIN: IRDAN125P0005V01200203. IRDAI Reg. No. 146.