HDFC Ergo – Health Easy Premium Plan – Product Benefit Table
| Benefits | Easy Health | ||||
| Sum Insured (in Lakhs) | 4 Lac & 5 Lac | 7.5 Lac & 10 Lac | 15 Lac, 20 Lac, 25 Lac & 50 Lac | 4 Lac & 5 Lac | 7.5 Lac & 10 Lac |
| Plans | Premium | ||||
| Policy Type | Individual | Family Floater | |||
| Entry age | 91 days to 65 years | 91 days to 65 years | |||
| Policy Term | 1, 2 years | 1, 2 years | |||
| Relationship members covered under one policy | 6 members | 6 members | |||
| Inpatient Treatment | Covered | Covered | |||
| Day Care Procedures | Covered | Covered | |||
| Pre-Hospitalisation | 60days | 60days | |||
| Post-Hospitalisation | 90days | 90days | |||
| Domiciliary Treatment | Covered | Covered | |||
| Organ Donor | Covered | Covered | |||
| Ambulance | Upto Rs. 2000 per hospitalisation | Upto Rs. 2000 per hospitalisation | |||
| Emergency Air Ambulance | Not Covered | Upto Rs.2.5 Lacs per hospitalisation | Not Covered | ||
| Recovery Benefit | Not Covered | Rs. 10,000 (> 10 days of hospitalisation) | Not Covered | ||
| AYUSH Benefit | Upto Rs. 20,000 | Upto Rs. 50,000 | Upto Rs.25,000 | ||
| Daily Cash for choosing shared accommodation’s | Rs.500 per day, Maximum Rs.3,000 | Rs.800 per day, Maximum Rs.4,800 | Rs.1000 per day, Maximum Rs.6,000 | Rs.500 / day, maximum Rs.3,000 | Rs.800 per day, Maximum Rs.4,800 |
| Daily Cash for accompanying an Insured child | Rs.300 per day, Maximum Rs.9,000 |
Rs.500 per day, Maximum Rs.15,000 |
Rs.800 per day, Maximum Rs.24,000 | Rs.300 per day, Maximum Rs.9,000 |
Rs.500 per day, Maximum Rs.15,000 |
| Out-Patient Treatment Cover after waiting period of 3 years | Not Covered | Covered | |||
| a) Out-patient Consultation | Not Covered | Not Covered | |||
| b) Diagnostic Tests | Not Covered | Not Covered | |||
| c) Dental Treatment | Upto 1 % of Sum insured subject to a Maximum of Rs. 5,000 |
Upto 1 % of Sum insured subject to a Maximum of Rs. 7,500 | |||
| d)Spectacles, Contact Lens, Hearing Aids | Upto Rs. 5,000 | Upto Rs. 7500 |
|||
| E-Opinion in respect of a Critical Illness | Covered | Covered | |||
| Convalescence Benefit | |||||
| Maternity Expenses | Normal Delivery Rs. 15,000* Caesarean Delivery Rs. 25,000* (*Including Pre/Post Natal limit of Rs.1,500 and New Born limit of Rs. 2,000) [Waiting Period of 6 years] |
Normal Delivery Rs. 25,000* Caesarean Delivery Rs. 40,000* (*Including Pre/Post Natal limit of Rs. 2,500 and New Born limit of Rs. 3,500) [Waiting Period of 6 years] |
Normal Delivery Rs. 30,000* Caesarean Delivery Rs. 50,000* (*Including Pre/ Post Natal limit of Rs. 5,000 and New Born limit of Rs. 5,000) [Waiting Period of 4 Years] |
Normal Delivery Rs.15,000* Caesarean Delivery Rs.25,000* (*Including Pre/ Post Natal limit of Rs.1,500 and New Born limit of Rs.2,000) [Waiting Period 4 years] |
Normal Delivery Rs.25,000* Caesarean Delivery Rs.40,000* (*Including Pre/ Post Natal limit of Rs.2,500 and New Born limit of Rs.3,500) [Waiting Period 4 years] |
| New Born Baby Cover | Additional Benefit on payment of additional premium |
Additional Benefit on payment of additional premium |
|||
| Restore Benefit | Not covered | Not covered | |||
| Cumulative Bonus | 10% for every claim-free year accumulating up to 100% (in the event of a claim, CB will be reduced by 10% of SI on the next renewal). |
10% for every claim-free year accumulating up to 100% (in the event of a claim, CB will be reduced by 10% of SI on the next renewal). |
|||
| Health Check-up | Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous two policy years |
Upto 1% of Sum Insured / Policy subject to a Maximum of Rs.5,000 / Insured Person, only once at the end of a block of every continuous two policy years. |
|||
| Critical Illness | Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured |
Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured upto a maximum of Rs. 10 Lacs |
Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured |
||
| Critical Advantage Rider | Offered (where base Sum Insured is Rs.10 lacs & above) | Offered (where base Sum Insured is Rs.10 lacs & above) | |||
| Family Discounts | 5% if 2 members are covered and 10% if 3 or more family members | NA | |||
| Long Term Discount | 7.5% Discount on premium if Insured Person is paying premium of 2 years | 7.5% Discount on premium if Insured Person is paying premium of 2 years | |||
| Stay Active | Upto 8% discount on renewal premium subject to insured member achieving the average number of steps in each time interval prescribed in the grid by either walking or running regularly to keep fit. The discount will be accrued by the customer at defined time intervals and cumulated at the end of the policy period and offered as a discount on renewal premium. |
Upto 8% discount on renewal premium subject to insured member achieving the average number of steps in each time interval prescribed in the grid by either walking or running regularly to keep fit. The discount will be accrued by the customer at defined time intervals and cumulated at the end of the policy period and offered as a discount on renewal premium. |
|||
| Pre-existing diseases | 36months | 36months | |||