HDFC ERGO General Health Suraksha Silver With Regain And ECB

What is the Plan all About?

Uncertainties may knock the door any time and when it comes to illnesses/injuries, you need to be ready at all times. HDFC ERGO General Health Suraksha Silver Plan with Regain and ECB provides a comprehensive health cover. This health policy provides a benefit of the automatic availability of the sum insured, if it gets exhausted.

Key Features

Comprehensive health plan with no sub-limits
No pre-policy medical check-up up to 45 years
Grab discounts on buying the policy
Avail cashless services across network hospitals
Lifelong renewability
Enjoy tax benefits

Policy Benefits

In-patient hospitalization expenses are covered as mentioned in the Policy.
Pre hospitalization expenses are covered up to a maximum of 60 days before you are hospitalized and Post hospitalization expenses are covered up to a maximum of 90 days after you are discharged.
144 day care procedures which need the insured to be hospitalized for less than 24 hours are covered.
Domiciliary treatment expenses are covered under this plan.
Organ donor expenses incurred towards harvesting the organ are covered.

Value Added Benefits

Get Cumulative Bonus by 5% of the sum insured for each claim free policy year, up to a maximum of 50% of the base sum insured.
Get Enhanced Cumulative Bonus by 10% of the sum insured for each claim free policy year, up to a maximum of 100% of the base sum insured.
Ambulance Charges are covered under this plan.
Medical expenses incurred under AYUSH treatment are covered, with no capping.
Health check-up is covered after 4 continuous claim free policy years.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

No sub-limit on room rent, any disease, hospital charges and doctor fees is applicable under this plan.
Ambulance charges are payable as Rs 2000/3500, depending on the chosen sum insured.
Health check-up is covered up to 1% of the sum insured, subject to a maximum of Rs 5,000 per insured person.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: 24 months Waiting Period will be applicable for specific illnesses.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months from the issuance of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	No Limit
Sum Assured	3 Lacs	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Regain Benefit, Enhanced Cumulative Bonus	-