Hdfc Ergo

New Healthwise is a health insurance policy unique HDFC Ergo . It covers all in-hospital medical treatment of the insured in case of illness and injury.

This policy covers the following expenses with its sub-limits:
Hospital room charges until he pays a% of sum insured or Rs.5, 000 / - per day, whichever is lower. If the patient is admitted to intensive care, it pays up to 2% of the sum insured or Rs.10, 000 / - per day, whichever is lower.

Specialist Fee-It pays up to 40% of the sum insured as reimbursement of expenses incurred for a surgeon, anesthetist, consultant, doctor, specialist, etc.

In-hospital medical treatment until he pays 100% of the sum insured for reimbursement of expenses incurred for hospitalization. In this case, the cost of hospitalization for homeopathic medicines, Ayurvedic and other similar treatment, he pays up to 20% of the sum insured up to Rs 25,000 / -.

Ambulance charges for transportation of the insured home to hospital or hospital to hospital, it provides up to 1% of the sum insured or Rs.2000 / - per incident, whichever is lower .

Check-up of health-cost health check-up is covered in about 4 years free demand continues. It pays up to Rs.750 / - to cover the cost of health check-up.

Organ Donor cost-It covers hospital expenses of a donor organ to the insured. It pays up to 100% of sum insured.

Hospital Cash It pays up to 1% of the sum insured per claim in case of hospitalization of 15 days continuously.

All pre-existing diseases are covered after 4 years, the policy continues.

This policy also offers the service of hospitalization without cash, tax benefits and premiums sun insured for any claim free years.

This policy is available to anyone age until age 55. Th sum insured ranges Rs.1Lakh, Rs.1.5lakh, Rs.2Lakh, Rs.3Lakh, and Rs.4Lakh Rs.5Lakh. The spouse, 2 dependent children and two dependent parents may be covered by the additional premium.