HDFC ERGO Health Insurance for Family

A 360-degree health insurance plan, Health Suraksha promises smooth medical treatment during a medical emergency. This HDFC ERGO health insurance plans for family is available on family floater (including spouse, dependent children, and dependent parents) basis as well as an individual basis. It offers coverage for inpatient treatment, pre & post hospitalisation, domiciliary treatment, medical expenses for an organ donor, emergency ambulance, and other expenses. The HDFC ERGO health insurance plans for family is available for both 1 year and 2 years.

Key Features of HDFC Family Health Insurance

• Sum insured range - Rs. 3 Lakh to Rs. 10 Lakh
• 9,000+ network hospitals for availing cashless treatment
• No room rent capping
• No disease sub-limits
• Optional benefit of critical illness cover
• Integrated wellness services
• A family discount of 10% if 2 or more members are covered
• E-opinion in case of a critical illness (optional benefit), and others

Scope of Coverage Under HDFC Family Health Insurance

• 60 days pre-hospitalisation cover
• 90 days post-hospitalisation cover
• Coverage for 144 daycare procedures
• Coverage for AYUSH treatment
• Maternity and newborn baby cover (Optional)
• Cover for Outpatient Dental Treatment (Optional)
• Convalescence Benefit (Optional)
• Hospital daily cash (Optional), etc.

HDFC Medical Insurance for Family Eligibility

The Health Suraksha plan doesn’t have a maximum entry age limit. Anyone above 91 day onwards can buy the policy. Note that children below 5 years are covered only if both parents are covered under the policy.

Exclusions Under Family Health Insurance HDFC

• Treatment of obesity and any weight control program
• Congenital external diseases, defects or anomalies, genetic diseases
• Injury or illness due to war
• Conditions for which hospitalisation is not required, and others
• Self-inflicted injuries, etc.

For more about product details and exclusions, kindly refer to the policy wording. You can also initiate contact at InsuranceDekho at 1800-1205-698.