HDFC My Health Medisure Classic Plan Overview
Health Medisure Classic Insurance from HDFC ERGO is a comprehensive health insurance plan that takes care of your medical costs arising out of an accident, illness or injury. The policy has no restriction on entry age and offers life long renewals. The plan is designed keeping in mind the different medical needs of an individual and one can be prepared for any unexpected ailments.
HDFC ERGO Company Overview
HDFC ERGO General Insurance Company is a collaboration between HDFC Limited, India's leading housing finance institution and ERGO international, a Germany based insurance company from Munich Re Group. HDFC ERGO offers a comprehensive spectrum of insurance products including life, health, travel, vehicle and home insurance which serves retail, rural and commercial sector of the country.
The policy has a family floater option which means you can cover your family with this plan.
The company provides a 5% cumulative bonus for each claim-free year (subject to maximum 50% of coverage).
The premiums paid towards the policy are eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
10% family discount is applicable if more than 2 family members are covered on Individual Sum Insured Basis.
HDFC Medisure My Health Classic plan offers comprehensive coverage against any planned and unplanned medical expenses. Some of the unique features of this plan are:
This plan offers affordable premium rates
You can raise a cashless claim at network hospitals.
Lifetime renewability.
Optional add-on riders are available with an additional nominal premium to enhance the policy coverage.
Free health check-up at the end of the 4th claim-free policy year.
The policy covers pre as well as post hospitalisation expenses along with in-patient hospitalisation expenses, day care procedures, hospitalisation due to an accident, domiciliary hospitalisation, offers maternity and new-born baby benefits, pre-existing conditions after waiting period, and ayurvedic treatments.
| Hospitalisation Expenses | |
| Room Rent | 1% of the sum insured to the maximum of Rs. 4000 a day |
| ICU Rent | 2% of the sum insured to a maximum of Rs. 6000 a day |
| Daycare Procedures | Covered |
| Domiciliary Hospitalisation | Covered |
| Reinstatement of Sum Insured | Covered, only in case of hospitalisation due to an accident |
| Maternity | Normal delivery: Maximum of 10% of the sum insured or Rs. 20,000 Caesarean: 20% of sum insured or Rs. 40,000 or actual, whichever is lower |
| New-Born Baby Cover | Covered for 90 days from the date of birth |
| Pre-hospitalisation | Covered for 30 days |
| Post-hospitalisation | Covered for 60 days |
| Hospital Cash | Rs. 500 per day from 4th to 10th day if hospitalisation exceeds 3 continuous day |
| Ambulance Charges | Up to Rs. 1500 Per Hospitalisation |
| Health Check-up | Up to 1% of the average sum insured after every 4 continuous claim-free policy years |
| Ayurvedic Treatment | Covered (subject to a maximum limit of 25,000 per policy year) |
| Additional Benefit | Recovery benefit of Rs. 5000 if hospitalisation exceeds 10 days |
The HDFC Medisure Classic Plan Doesn’t Offer Coverage For The Below
Pre-existing diseases for the first 3 policy years
First 2 years of policy are excluded from the diseases such as Hernia, Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Congenital Internal Diseases, Piles, Fistula in Anus, Sinusitis and related disorders
Any diseases incurred during the first 30 days from the start date of the policy
Diabetes and Hypertension
Domiciliary hospitalisation expenses in certain areas specified by the company
Genetic disorder
Dental treatment or surgery
Routine ear and eye examinations, cost of lenses or spectacles, laser surgery for cosmetic purposes
Suicide and self-inflicted injury
Treatment of any medical illness, disorder stress, anxiety or depression
The procedure required due to use of drugs, alcohol, or any intoxicant
HIV AIDS
Eligibility and Restriction Details of HDFC Medisure Classic Plan
| Parameter | Minimum | Maximum |
|---|---|---|
| Coverage Amount (in multiple of Rs. 1 lakh) | Rs. 1,00,000 (individual)
Rs. 2,00,000 (Family floater) |
Rs. 5,00,000 |
| Policy Term | 1 Year | 2 Year |
| Entry Age | 18 years Entry age for a dependent child is 3 months to 23 years | 65 Years |
| Renewability | Life Long | Life Long |
| Grace Period | 30 days | 30 days |
| Free-look Period | 15 days | 15 days |
| Riders | Double sum insured for critical illness Waiver of room rent sub-limits | 15 days |
The premium will vary based on your age, sum insured, policy term and coverage.
Below is Illustrated Premium Details For An Individual With Base Cover.
| Age/sum insured | 1 Lakh | 2 Lakh | 3 Lakh | 4 Lakh | 5 Lakh |
|---|---|---|---|---|---|
| Up to 35 years | 2,353 | 2,969 | 3,683 | 4,519 | 5,288 |
| 36 to 40 years | 2,587 | 3,272 | 4,072 | 5,007 | 5,869 |
| 41 to 45 years | 2,839 | 3,605 | 4,505 | 5,553 | 6,524 |
| 46 to 50 years | 4,020 | 5,164 | 6,530 | 8,105 | 9,590 |
| 51 to 55 years | 4,937 | 6,208 | 7,733 | 9,485 | 11,142 |
| 56 to 60 years | 6,479 | 8,232 | 10,355 | 12,782 | 15,095 |
| 61 to 65 years | 7,433 | 9,480 | 11,968 | 14,809 | 17,522 |
| 66 to 70 years | 10,214 | 13,109 | 16,646 | 20,674 | 24,539 |
| 71 to 75 years | 12,915 | 16,618 | 21,159 | 26,316 | 31,281 |
| 76 to 80 years | 13,791 | 17,747 | 22,605 | 28,119 | 33,432 |
| Above 80 years | 16,178 | 20,858 | 26,611 | 33,138 | 39,433 |
(all premium in rupees and are inclusive of GST)
You can get tax exemptions under Section 80D of the Income Tax Act, 1961 for premiums paid up to Rs. 25,000 for Self, Spouse and dependent children and Rs. 50,000 for senior citizens.
You can calculate your health insurance premium with HDFC ERGO in a few seconds. It is a convenient and straightforward process to determine your yearly health insurance premium. Visit hdfcergo.com/OnlineProducts/HealthOnline/hsp-cip/hspcalculatepremium.aspx?ref=HSGOLD and calculate your health insurance premium in no time.
You need to mention the basic details about yourself such as date of birth, name and contact details.
The Below Documents Are Required To Buy HDFC Medisure Classic Policy:
All individuals up to 50 years, the company will rely on the declaration made on the proposal form. In case the declaration reveals any medical condition, the company may require the customer to undergo health inspection.
For the age group 51 to 65 years, the customers would be required to undergo medical tests. The test includes a medical examination report, treadmill test, lipid profile, HbA1C, complete blood count, urinalysis.
There Are Two Methods To Claim Your HDFC Medisure Classic Plan.
For reimbursement of expenses: You need to collate all original bills along with the documents as required and submit them to the address specified in your policy document.
In Case Of Planned Hospitalisation: It is advisable to inform the insurer 72 hours in advance before admission (24 hours in case of emergency).
The claim settlement procedure adopted by HDFC ERGO is quick and transparent. You can contact on company’s toll-free number 1800 209 5846 or can write at healthclaims@hdfcergo.com.
The Below Mentioned Documents Are Required To Claim HDFC Medisure Classic Policy:
Hospital Details: The details about the hospital must be provided where the insured was undergoing the treatment. The details may include a description of the illness and treatment, the number of doctors and nurses, etc.
Hospital Bills: All the original bills including discharge report issued by the hospital must be provided at the time of the claim.
Treatment Reports: Original reports about the treatments, laboratory reports, and medical bills should be submitted.
Claim Form: The correctly filled and signed claim form issued by HDFC ERGO has to be submitted along with all the documents mentioned above.
HDFC Medisure Classic Plan offers a comprehensive coverage against any medical expenses. The plan understands your unique medical needs and provides you a step-by-step solution to ensure you a complete well-being. HDFC Medisure Classic Plan is among one of the most popular health insurance plans in the country providing comprehensive coverage at affordable premiums, 10000+ network hospitals, flexible premium payment options and facility of availing cashless hospitalisation and several day care procedures. HDFC Medisure Classic plan is apt for those who are looking for complete health coverage with uninterrupted medical treatment. Choosing this plan shall offer protective coverage, reduce the financial burden arising due to unexpected medical conditions and ensure quality medical treatment.
HDFC ERGO Medisure Classic Plan is designed in a way to understand your family's unique health needs. The plan has extensive coverage and provides a step by step plan to ensure your complete well-being.
The health plan offered by HDFC includes pre and post hospitalisation expenses for 30 and 60 days respectively. Maternity and the new-born baby cover are included in the plan. The policy provides individual as well as family floater plan to cover yourself and your family against any uncertain medical illness. You can enhance your policy coverage by adding accidental and critical illness rider to the plan.
The plan comes with a 5% cumulative bonus for each claim-free year. In the case of a claim during a year, the cumulative bonus will be reduced by 10%. It is possible to transfer your other health insurance policy to HDFC ERGO with all accrued benefits after due allowances for waiting periods. The policy offers a free look period of 15 days and provides a grace period of 30 days from the due date to make a premium payment.
The company has a smooth claim settlement process with zero documentation on the cashless claim option. Moreover, the premiums paid towards the plan are exempted from the tax up to certain limitations under Section 80D of the Income Tax Act 1961.
Any Indian national, from age 18 to 65 years (in case of a dependent child, 3 months to 23 years) can buy this plan.
You can renew your National Health Insurance plan through these simple steps:
You can easily buy and renew HDFC ERGO Medisure Classic Policy through an online and offline channel.
In order to renew your HDFC ERGO Medisure Classic plan, you shall pay the premiums on due date. To keep track of the same, you can either check it online or through its distributor's network. Alternatively, you can also call the toll-free number to renew your policy.
