HDFC Health Insurance Plans India
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Written by: kamleshjat
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Date: Mon, 6 Jun 2011 |
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HDFC bank is one of the well reckoned names in the Finance Industry. It is offering the best financial securities to meet health related contingencies. Due to changing lifestyles, health issues become the first priority of every person. With a health insurance plan, your illness will not impact the financial position. In today’s time, lifestyle diseases are spreading at disturbing rates and medical expenses are also witnessing a huge hike. All you need is suitable plan that cover both planned and unplanned medical expenses of you and your family. HDFC brought some exclusive plans that are specially made after keeping the budgetary constraints on customers in mind. Following are the HDFC health insurance plans that are enlisted with other details:
HDFC Critical Care: Critical illness is an issue of concern and expenses related to it, you have to think twice. HDFC critical care plan offers a lump sum amount to the insured person at the time of diagnosis. It is a single life plan and only one person can be covered under this policy. Sum assured can range from Rs 2 lakhs to Rs 20 Lakhs as per the specific needs and requirements of insured person. Cashless facility is also offered, which is another facility wherein the life assured can undergo surgery and/or hospitalization without payment of cash to the hospital. To avail of the facility the life assured/hospital will have to make a preauthorization request as well.
Advantages of the Critical care policy:
Provides valuable protection on survival post diagnosis of a critical illnesses
Covers as many as 30 critical illnesses
Lump sum benefit payment paid irrespective of medical expenses
Policy continues even after the benefit payment paid on selected illness
Choice of the level of health cover and premium payment
Convenient and hassle free claims
Tax benefits are available under section 80D under Income Tax Act, 1961
HDFC Surgicare: Surgicare is a kind of policy that offers support at the time of major surgery and hospitalization, assuring the financial independence. It is also a single life plan and only one person can be insured under one health plan. Value of sum assured can be Rs 1 lakh to Rs 5 lakhs. The best feature of this policy is its continuous cover which means this policy never terminates even after the payment of first or subsequent surgical procedures. With this plan, cashless facility is also available according to which, insured person can use every required medical facility and go cashless for payment in the hospital.
Advantages of surgical care:
82 major surgical procedures are covered
Option to include hospital cash benefit
Automatic increase in the level of health cover ensures that the increasing medical costs are taken care of
Lump sum benefits are paid regardless of the actual medical expenses
The policy continues even after the after the payment of first or subsequent surgical procedures, subject to terms and conditions as stated in the policy brochure
Flexibility to tailor-make the policy by choosing level of health cover, benefit options level and premium payment as per your needs
Convenient and hassle free claims with cashless benefits on surgeries and hospitalization in any of the network hospitals
Tax benefits can be availed under section 80D of the Income Tax Act, 1961
We provide hdfc health insurance an easy way to buy an insurance policy in India including individual health insurance, family health insurance, Critical Illness. You can also apply for online.
Source: HDFC Health Insurance Plans India
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