HDFC Health Suraksha

Health Suraksha is a unique health insurance plan which provides optimum health coverage at an affordable price. Health Suraksha covers not only hospitalisation expenses in the event of an accident or sickness but extends to cover pre and post-hospitalisation expenses, day care procedures, domiciliary treatment, organ donor expenses. Moreover, with each claim-free year get a renewal bonus.

• Get Tax Benefit under section 80D
• No Medical Check-up required upto 45 years
• Cashless Treatment at Network Hospital
• 5% bonus on Sum Insured for every claim-free year
• Get coverage upto 65 years of age
• Get either one year or two year policy coverage
• Option to cover on individual sum insured basis and on family floater basis
• Provides coverage for spouse, dependent children and dependent parents under a single policy
• Avail a family discount of 10%, if 3 or more members of a family are covered under the same policy on Individual sum insured basis

What is Covered

In-patient Treatment – Covers hospitalisation expenses due to an illness or accident. Pays for medical expenses incurred for room rent, boarding expenses, nursing, intensive care unit, medical practitioner, medicines or drugs and other related expenses

Pre-Hospitalisation – Pays for medical expenses incurred due to an illness 60 days before hospitalisation

Post-Hospitalisation – Pays for medical expenses incurred 90 days immediately after the discharge post hospitalisation

Day care procedures – Get medical expenses paid for 141 day care procedures which do not require 24 hours hospitalisation due to technological advancement

Domiciliary Treatment – Get paid for medical expenses incurred for treatment taken at home, on the advice of a physician

Organ Donor – Get paid for medical expenses of an organ donor’s treatment in the event of organ transplantation

Emergency Ambulance – Expenses paid for utilizing ambulance services in an emergency

Ayush – Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy