HDFC ERGO my:Health Medisure Classic Health Insurance

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.

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

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

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.

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. 

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.

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.

Yes, the insured members above the age of 80 years will have to bear a co-pay of 10% for each and every claim.