HDFC ERGO General Easy Health Family Plan

What is the Plan all About?

Easy Health Family Health Insurance Plan provides a complete health cover against high rising medical costs. It provides broad coverage for in-patient hospitalization expenses arising from illnesses and accidents.

This health plan offers 3 plan variants to choose from:

Standard Plan
Exclusive Plan
Premium Plan

Key Features

Cover for families
Flexible sum insured options
AYUSH benefit available
Get family discount
Avail cashless medicare services across 4000+ network hospitals
Lifelong renewability

Policy Benefits

In-patient treatment such as nursing, operation theater charges, medicines, consumables, blood, oxygen, etc are covered.
Pre hospitalization that is occurred prior hospitalization is covered up to 60 days.
Post hospitalization that is occurred after hospitalization is covered for 90 days.
Enlisted 144 day care procedures for which insured requires hospitalization for less than 24 hours are covered.
Domiciliary treatment expenses while availing treatment at home are covered.
Organ donor expenses incurred towards harvesting the organ are covered.
Recovery benefit is applicable under Exclusive and Premium plan, as per the limits specified.
Daily hospital cash for choosing shared accommodation is payable up to the limits mentioned in the policy.
Daily hospital cash for accompanying an insured child is applicable for Exclusive and Premium Plan.
Maternity expenses, including pre & post natal expenses are covered. This benefit is applicable under Exclusive and Premium Plan.
New born baby cover is an add-on and is applicable for Exclusive and Premium Plan.
Outpatient dental treatment is applicable under Premium Plan.
Cost of spectacles, contact lenses & hearing aids is covered under Premium Plan, as per the limits specified.
Get coverage for critical illnesses with an Add-on cover for Critical Illness.
Get worldwide cover for 8 major illnesses with Critical Advatage Rider.

Value Added Benefits

Get Cumulative Bonus. 10% of the sum insured is increased for every claim free policy year, subject to a maximum of 100%.
E-opinion in case of critical illness is applicable under the Premium Plan.
Emergency ambulance charges are covered up to Rs 2000 per hospitalization.
Sum Insured Enhancement is availed at the time of policy renewal.
AYUSH benefit can be availed under this plan.
Healthline service helps you get access to experts to get primary consultation & counselling.
Health Risk Assessment tool helps you get an idea about your health status.
Health Check up available as per policy conditions.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

Recovery benefit is capped up to Rs 10,000, when hospitalization goes beyond 10 continuous days.
Under maternity expenses, normal delivery charges are payable in a range of Rs 15,000 to Rs 30,000 and Caesarean delivery charges are payable in a range of Rs 25,000 to Rs 50,000, depending on the plan chosen.
AYUSH benefit is available in a range of Rs 20,000 to Rs 50,000 depending on the plan opted.
Daily hospital cash (shared accommodation) is available in a range of Rs 500 to Rs 1000, to a maximum of Rs 6000 as per plan opted.
Daily hospital cash (accompanying the insured child) is available in a range of Rs 300 to Rs 800, to a maximum of Rs 24000 as per plan opted.
Outpatient dental treatment is payable up to 1% of the sum insured, subject to a maximum of Rs 7,500.
For Standard Plan, health check-up is payable up to 1% of SI after every 4 continuous claim free policy years. For Exclusive Plan, health check-up is payable up to 1% of SI, to a maximum of Rs 5,000 at the end of every 3 continuous claim free policy years. For Premium Plan, health check-up is payable up to 1% of SI, subject to a maximum of Rs 5,000 after every 2 continuous claim free policy years.

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: Specific illnesses such as Cataract, Pancreatitis, Sinusitis, Tonsillitis, etc.are covered after 24 months of policy coverage.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a continuous policy coverage for 36 months.
Maternity Waiting Period: Maternity expenses incurred are covered after a waiting period of 4 years. This waiting period is reduced to 3 years upon choosing SI 15/20/25/50 Lacs under Exclusive and Premium Plan.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	Adult: 65 Years, Children: 25 Years
Sum Assured	2 Lacs	50 Lacs
Cover Type	Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Illness, Critical Advantage Rider	-