Secure Benefit: From day one, you get double the coverage you
choose! That is, if you chose 10 lakhs as your base cover, you will
get an insurance cover worth 20 lakhs from day 1.
Generous and Unique Features
Restore Benefit: In addition, HDFC Ergo will restore your base
cover if you exhaust that amount. That is, from day 1, you have a
cover of thirty lakhs. If you chose the rider option of โunlimited
restoreโ, your base cover will be restored unlimited times.
Plus Benefit: After the first and second years, your sum assured
will get an additional 50% of the original insurance cover you
chose. That is, if you chose 10 lakhs as your base cover, 5 lakhs
will be added to it in the second year. Similarly, in the third
year, another 5 lakhs will be added to the base cover.
With all the benefits in place, you get four times the cover you
chose by the beginning of the third year!
Protect Benefit: All non-medical expenses (consummables, canteen
expenses, etc.) will be covered!
Actual amount spent on ambulance and room rent will be
covered
Pre-hospitalisation cover: 60 days
Post-hospitalisation cover: 180 days
Treatment at home (domicilliary treatment) will be covered if
doctor permits it.
Cost of Ayurvedic treatment will be reimbursed.
Discounts and Loan
Discounts on premium available if you chose Co-payment options
(That is, each year, if you choose to pay the initial Rs. 25,000 or
Rs. 50,000 or Rs. 100,000 of treatment costs, your premium will be
get a discount of 25%, 40% and 50% respectively)
You can get further discounts if you choose to buy insurance for
two years (7%) or three years (10%).
If you qualify for an interest free loan, you can pay the
premium in equal monthly installments.
