Filetype PDF | Posted on 17 Aug 2022 | 3 years ago
Authentication
digital resources
192x Filetype PDF File size 0.26 MB Source: www.hdfcergo.com
MAKE EVERY
STEP COUNT.
Enjoy Stay Active benefit with Easy Health.
E
V
SA
2%
E
V
SA
5%
VE
SA
8%
Introducing
EASY HEALTH
Family Health Insurance Plan
with attractive benefits
Staying healthy and saving money are now just a walk away.
Make every step count with “Stay Active” benefit and earn upto 8% discount on
renewal premium.
With our ‘Stay Active’ you and your family can now walk your way to healthier
and happier life.
With Stay Active and other Uncomplicated benefits, the Easy Health Insurance
Plan not only helps you stay healthy but also financially protects you in illness.
The Easy Health Plan comes in three variants with multiple sum insured options
to choose from to suit your requirements.
HOW DOES A FAMILY FLOATER POLICY WORK?
Suppose Mr. Kumar, his wife and their son are covered for Rs. 1Lakh each, under a regular Health Insurance Plan.
They would have then paid a premium for 3 policies of Rs. 1 Lakh each. In an unforeseen situation, if the medical bill
for hospitalization of their son amounts to Rs. 1.8 Lakh, the regular policy would cover only up to Rs. 1 Lakh, while the
remaining amount of Rs. 80,000 would have been paid by Mr. Kumar even though there is no claim on the other two
policies. But if Mr. & Mrs. Kumar opt for an Easy Health Family Insurance Plan under any variant, the cover of Rs. 3 Lakh
would be shared among the entire Kumar family.
This means, the family individually and together, enjoy an insurance cover of upto Rs. 3 Lakh (total claim made by the
family to be of Rs. 3 Lakh). Hence for a similar situation as above, Mr. Kumar would benefit while claiming the complete
Rs. 1.8 Lakh under the Family Floater Policy.
The Easy Health Family Plan is available in 3 variants: Standard, Exclusive and Premium. The cover amount ranges from
Rs. 2,00,000 to Rs. 50,00,000 based on the product variant.
The plan provides for in-patient hospitalization expenses and is designed to cover expenses such as: diagnostic procedures,
boarding and lodging, the intensive care unit, operation theatre, anesthesia, blood, oxygen, surgical appliances, cost of
prosthetic and other devices or equipment (if implanted internally during a surgical procedure), medicines, drugs and
consumables, nursing and medical practitioner charges as per the policy schedule.
FEATURES & BENEFITS
Schedule of benefits of Easy Health product variants are depicted in the chart below:
Benefits Standard Exclusive Premium
Sum Insured per 2.00, 3.00, 15.00,20.00, 7.50, 15.00,20.00,
Policy per Policy 4.00, 5.00, 3.00, 4.00, 5.00 7.50,10.00 25.00, 50.00 4.00, 5.00 10.00 25.00, 50.00
Year (Rs. in Lakh) 7.5, 10, 15
1 a) In-patient Covered
Treatment
1 b) Pre Covered
-hospitalisation
1 c) Post Covered
-hospitalisation
1 d) Day Care Covered
Procedures
1 e) Domiciliary Covered
Treatment
1 f) Organ Donor Covered
1 g) Ambulance Upto Rs.2000 per hospitalisation
Cover
1 h) Ayush Benefit Upto Upto Rs.25,000 Upto Rs.50,000 Upto Rs.25,000 Upto Rs.50,000
Rs.20,000
1 i) Daily Cash for Rs.500 Rs.500 / day, Rs.800 / day, Rs.1000 / day, Rs.500 Rs.800 Rs.1000 / day,
choosing Shared / day, maximum maximum maximum / day, / day, maximum
Accommodation maximum Rs.3,000 Rs.4,800 Rs.6,000 maximum maximum Rs.6,000
Rs.3,000 Rs.3,000 Rs.4,800
2 a) Daily Cash for Rs.300 / day, Rs.500 / day, Rs.800 / day, Rs.300 Rs.500 Rs.800 / day,
accompanying an Not maximum maximum maximum / day, / day, maximum
insured child Covered Rs.9,000 Rs.15,000 Rs.24,000 maximum maximum Rs.24,000
Rs.9,000 Rs.15,000
2 b) Newborn baby Not Additional Benefit on payment of additional Additional Benefit on payment of additional
Covered premium premium
WALK MORE EARN MORE
Benefits Standard Exclusive Premium
2 c) Recovery Not Rs.10,000 Rs.10,000
Benefit Covered Not Covered (>10 days of Not Covered (>10 days of
hospitalisation) hospitalisation)
2 d) Emergency Air Not Upto Rs.2.5 Upto Rs.2.5 Lacs
Ambulance Covered Not Covered Lacs / Not Covered / hospitalisation
hospitalisation
Normal Normal
Delivery Delivery
Normal Delivery Normal Delivery Normal Delivery Rs.15,000* Rs.25,000*
Rs.15,000* Rs.25,000* Rs.30,000* Caesarean Caesarean Normal Delivery
Caesarean Caesarean Caesarean Delivery Delivery Rs.30,000*
Delivery Delivery Delivery Rs.25,000* Rs.40,000* Caesarean Delivery
3 a) Maternity Rs.25,000* Rs.40,000* Rs.50,000* (*Including (*Including Rs.50,000*
Expenses Not (*Including Pre/ (*Including Pre/ (*Including Pre/ Pre/Post Pre/Post (*Including Pre/
Covered Post Natal limit Post Natal limit Post Natal limit Natal limit of Natal limit Post Natal limit
of Rs.1,500 and of Rs.2,500 and of Rs.5,000 and Rs.1,500 and of Rs.2,500 of Rs.5,000 and
New Born limit New Born limit New Born limit of New Born limit and New New Born limit of
of Rs.2,000) of Rs.3,500) Rs.5,000) [Waiting of Rs.2,000) Born limit of Rs.5,000) [Waiting
[Waiting Period [Waiting Period Period of 3 Years] [Waiting Rs.3,500) Period of 3 Years]
4 years] 4 years] Period 4 [Waiting
years] Period 4
years]
3 b) Outpatient Upto 1 % of
Dental Treatment Not Upto 1 % of Sum Sum insured
Waiting Period 3 Covered Not Covered insured subject to a subject to a
years Maximum of Rs.5,000 Maximum of
Rs.10,000
3 c) Spectacles,
Contact Lenses, Not Not Covered Upto Rs.5,000 Upto Rs.10,000
Hearing Aid Every Covered
3rd Year
3 d) E-Opinion in Not
respect of a Critical Covered Not Covered Covered
Illness
Optional, if
opted then Optional, if
the Critical opted then the Optional, if opted
Illness Sum Critical Illness then the Critical
Insured Optional, if opted then the Sum Insured Optional, if opted then Illness Sum
4 Critical Illness 50% or Critical Illness Sum Insured 50% or 100% of the Critical Illness Sum Insured 50% or
Rider 100% of In- 50% or 100% of In-patient Sum In-patient Sum Insured 50% or 100% of 100% of In-patient
patient Sum Insured Insured upto In-patient Sum Insured Sum Insured upto
Insured a maximum of a maximum of
subject to Rs.10 Lacs Rs.10 Lacs
minimum of
Rs.100,000
Upto 1% of
Sum Insured
per Policy upto
Rs. 5,000, Upto 1% of Sum Insured / Policy subject to a Upto 1% of Sum Insured / Policy subject to
5 Health Checkup only once at Maximum of Rs.5,000 / Insured Person, only a Maximum of Rs.5,000 / Insured Person,
the end of a once at the end of a block of every continuous only once at the end of a block of every
block of every three policy years. continuous two policy years.
continuous
four claim free
years
Benefits under 3b), 3c), 3d) and 5) are subject to pre-authorisation by HDFC ERGO General Insurance Company Limited.
WALK MORE EARN MORE WALK FOR HEALTH
no reviews yet
Please Login to review.
