HDFC ERGO my:Health Medisure Classic Health Insurance
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
About HDFC ERGO my:Health Medisure Classic Health Insurance
HDFC Ergo my: Health Medisure Classic Plan is suitable for people who are seeking a wide health coverage with smooth medical services. Selecting this policy will provide a protective cover that can easily lessen the monetary burden arising due to unpredictable medical contingencies without compromising on the quality of treatment. Among numerous benefits which are delivered under this plan, maternity coverage with the cover for a newborn baby is a major one that can only be availed after 4 years of continuous coverage. Also, Rs. 500 per day from 4th to 10th day is given when hospitalisation exceeds 3 continuous days in the form of hospital cash.
This medical insurance policy offers coverage for people above the age of 3 months. The policy has no restrictions pertaining to the age of exit as it comes with lifelong renewability. HDFC Ergo my: Health Medisure Classic provides coverage for pre hospitalisation for 30 days, post-hospitalisation for 60 days, inpatient treatment, alternative treatment, daycare procedures, hospitalisation due to an accident, domiciliary hospitalisation, and so on. In addition to its inbuilt benefits, some optional covers are also given under this plan comprising Double Sum Insured for Critical Illness and Waiver of Room Rent Sub-limits, which can be enjoyed on the payment of an additional premium.
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Key Inclusions and Exclusions of the Plan
What's Included
- Daycare procedures are covered up to the amount of sum insured
- New-born baby covered for a period of 90 days from date of birth
- Maternity cover is offered for normal and cesarean section delivery
- Coverage for Ayurveda treatment is provided for up to Rs. 25000 yearly
- Pre and post hospitalisation expenses are insured for 30 days and 60 days
What's Not Included
- Injuries occurred due to the participation in adventure sports
- Cosmetic procedures related to weight loss or any other treatment
- Sexually transmitted diseases or venereal ailments are not covered
- Injuries caused due to warlike operations, riots, civil war, and so on
- Self-inflicted wounds and injuries resulted from suicidal attempts, etc.
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Add-ons to Enhance Benefits
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Waiver of Room Rent Sub-limits
On choosing this add-on feature, the sub-limit applied on the room rent as well as ICU expenses are waived off. With this feature, one can end the restrictions of room rent expense coverage and can opt for any desired room without any limitation by paying an additional premium.
HDFC ERGO my:Health Medisure Classic Expert Review
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Major Attractions
my: Health Medisure Classic Insurance is the ultimate combination of distinct benefits that work in the favour of one and all, regardless of the age factor. HDFC ERGO’s affordable base plan takes care of various healthcare and hospitalisation aspects of their policyholders by covering medical expenses. my: Health Medisure Classic Insurance continues to be the perfect choice to go for by offering benefits such as:
- In-patient hospitalisation costs
- Pre and post hospitalisation expenses
- Availability of many daycare procedures
- Domiciliary hospitalisation cover is offered
- Maternity and New-born baby coverage is given
- Coverage for persons above the age of 80 years with 10% co-pay
- Ambulance charges are covered up to Rs. 1,500 per hospitalization
- Coverage of pre-existing diseases after 36 months of continuous coverage
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What’s More?
Through its various benefits, my: Health Medisure Classic Insurance offers optimum medical protection without allowing financial instability. However, the elements that make the plan complete and ready to go for include:
- Lifelong renewal of the policy
- Entry age is allowed for lifetime
- Recovery Benefit of Rs. 5,000 is offered, when hospitalisation exceeds 10 continuous days or more.
- Tax exemption on the premium paid under Section 80D of the Income Tax Act
- Family discount of 10% on the total premium payable on covering more than two family members
- 5% discount on opting two-year policy option and paying a combined premium for both the years
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Conclusion
Last but not least, the plan doesn’t require applicants up to 50 years of age to undergo checkups prior to policy purchase. To conclude, my: Health Medisure Classic Insurance doesn’t give a single reason to one to look for other alternatives and thus, comes across as the ideal choice.
If my: Health Medisure Classic Insurance fits your needs, invest in it without giving it a second thought. The plan will meet your expectations without letting you face disappointment. Buying it online will be a better choice so that it gets issued sooner and maintains transparency related to terms and conditions. Additionally, buying the policy from InsuranceDekho will provide you with support in terms of policy portability, claim settlement, and other benefits, without leaving any scope for the inconvenience.
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FAQs on my:Health Medisure Classic Health Insurance Plan
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What are the entry and exit age applicable under this health insurance plan?
The policy has the entry age of 18 years with no exit age. However, it provides coverage for dependent children from the age of 3 months to 18 years.
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Does my: Health Medisure Classic Plan offer any discount to its customers?
Yes, if you opt for individual sum insured option to cover more than 2 family members instead of family floater option, a family discount of 10% on the total premium payable. The family discount will be available for a maximum of 6 persons only.
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Is there any requirement for a pre-policy check-up to buy my: Health Medisure Classic Plan?
Yes, for the age group, 51-65 years (age last birthday as at policy inception date), the Individuals would be required to undergo pre-acceptance medical tests - Medical Examination Report, Treadmill Test, Lipid Profile, HbA1C, Serum Creatinine, Complete Blood Count, Urinalysis.
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Is there any availability of co-payment option under this health insurance plan?
Yes, the insured members above the age of 80 years will have to bear a co-pay of 10% for each and every claim.