top of page
LIC Of India, Satellite Office. Sushila Shopping Complex, Sonarpur, Kolkata, West Bengal 700150
Health Insurance
Health Insurance
A Health Insurance Plan can help you with medical costs. It provides financial aid, letting you keep your savings safe. You can use those later to achieve your dreams instead of stressing over medical bills. It’s like a safety net and helps you save on taxes too—up to ₹ 75,000 every year!
Types of Health Insurance
Indemnity/Base Health Insurance Plan
This plan will cover your hospital expenses when you need treatment. It's known as an indemnity plan, and it's super important to have. HDFC ERGOs: health Suraksha is a great choice for this kind of base plan.
Top-up Health Insurance
Got multiple health insurance plans? If you want extra coverage without spending too much, consider a super top-up plan! Our: health Medisure Super-Top Up is just right for you.
Lump sum benefit-based Health Insurance Plan
Life-threatening diseases can be costly. Just one can drain all your savings. So, a benefit-based plan pays you a lump sum for critical illnesses all at once. This way, you don’t have to worry about claiming money every time you need to pay.
What are the benefits of Health Insurance?
-
Cashless Hospitalization
-
Sum insured rebound
-
Save Tax up to ₹ 75,000
-
Instant claim settlement
-
Fitness Discount
-
Cashless home healthcare
-
24x7 Customer Support
-
No room rent restriction
-
Long-Term policy discount
-
Instant Policy Issuance
What is covered in a health insurance policy?
Sum Insured Rebound
With my health Suraksha, if you have an admissible claim, your sum insured goes back up to the maximum limit of the basic sum assured.
Day Care Procedures
Even if you're hospitalized for just one day, it counts! We cover 586 daycare procedures in this health insurance plan.
Pre-hospitalization Cover
Before going to the hospital, there are costs like doctor visits and check-ups. With HDFC ERGO Health Insurance, we cover expenses up to 60 days before your hospitalization.
Post-hospitalization Cover
After leaving the hospital, this plan also covers doctor consultations and rehabilitation costs for up to 180 days after discharge.
Mental Healthcare
If someone insured has mental health issues, the costs for hospitalization will be covered by this plan.
Home Healthcare
If your doctor says treatment at home is needed, don’t worry! We provide cashless services right at home. Get this health insurance and relax!
Hospitalization Expenses
Everything—like bed fees, nursing charges, blood tests, and ICU costs—gets covered easily with this health insurance.
Road Ambulance Cover
If there's a life-threatening emergency and you need an ambulance ride within the same city, it's covered too!
Organ Donor Expenses
For organ donors undergoing transplant surgery, HDFC ERGO covers their organ harvesting costs!
Alternative Treatments (Non-Allopathic)​
We believe in healing through Ayurveda, Unani, Sidha & Homeopathy treatment too! Whatever treatment style suits you best—we've got your back!
Recovery Benefit​​
This plan gives you ₹5,000 as a recovery benefit if you're hospitalized for more than 10 consecutive days. This way taking care of home expenses won't stress you out.
What is not included in the Health Insurance Policy?
Adventure Sport injuries Adventurous activities can be thrilling but dangerous too! Our plan doesn’t cover accidents that happen during adventure sports.
Self-inflicted injuries please take care of yourself! Our health insurance does not cover self-inflicted injuries.
Sadly, our policy cannot cover any claims related to wars; they’re just too devastating.
Participation in defense operations, but we don’t cover incidents that happen when you're part of defense operations—Army/Navy/Air Force included.
Venereal or sexually transmitted diseases We understand these illnesses can be serious. Still, our health insurance does not include coverage for sexually transmitted diseases.
Treatment of Obesity or Cosmetic Surgery treatments aimed at obesity or cosmetic enhancements aren’t covered in this insurance plan either.
Save Tax with Health Insurance
Tax deduction based on medical insurance premiums paid under Section 80D, enjoy up to ₹25,000 tax deduction each year for paying medical premiums! For you & your family—or if you're covering senior citizens—that limit increases up to ₹50,000!
Deduction on preventive health check-upsAlso claim tax benefits on preventive check-ups too! Under Section 80D—you can claim up to ₹5,000 annually—what a bonus!
Deduction on medical insurance premium payment for parents If you’ve got your parents covered under health insurance—you get another deduction of ₹25,000 yearly! And if they’re senior citizens? That limit rises to ₹30,000!
6 Reasons to Buy Health Insurance
Lifestyle Diseases: Nowadays stress & unhealthy habits are everywhere. Lifestyle-related diseases are common. Having health insurance helps manage those rising medical bills.
Inadequate insurance: Think one policy covers everything? Think again! Your employee coverage might not be enough nowadays—medical science has moved fast!
Beat medical inflation: The cost of healthcare keeps growing year by year! Handling those expenses by yourself could lead to big financial trouble—so grab health insurance instead!
Big Savings: Pay for longer policies—2 or 3 years—and save cash! If more than two family members get coverage individually? Extra discounts await!
Early Decision: Buying early brings many benefits like lower premiums & better options overall! You’ll likely pay less since existing conditions are rare early on.
Tax Savings: Enjoy tax deductions with health plans—up to ₹75,000 under section 80D every year! Isn’t that awesome? You can save money while taking care of your health too!
bottom of page