Buying a health insurance plan has become the need of the hour as medical costs are increasing every day. If a medical contingency strikes, it threatens to wipe out your financial savings and leave you penniless. In such a situation, having a health insurance plan comes as a blessing as the plan covers the medical costs and spares you the financial horror. Health insurance policies provide coverage against medical expenses and safeguard your finances. You should, therefore, invest in a comprehensive health plan to cover the financial implication of a medical illness.
When you buy a health insurance plan, you might be required to undergo a pre-entrance health check-up based on which the policy would be issued. The requirement of this pre-entrance check-up depends on your age and the coverage that you choose. Many health plans require you to take such medical tests while many don’t. Among the different plans where medical tests are not necessary, one of the best available policies is the HDFC Ergo Health Suraksha Silver Smart health insurance policy. The policy does not require you to undergo any medical test before buying the policy.
Besides the no medical test benefit, the reasons why HDFC Ergo Health Suraksha Silver Smart health insurance policy ranks among the best health insurance plans are as follows –
- An inclusive scope of coverage
HDFC Ergo Health Suraksha Silver Smart health insurance policy offers you three sum insured levels which are INR 3 lakhs, INR 4 lakhs, and INR 5 lakhs. This is, therefore, an affordable health insurance policy which also provides an inclusive scope of coverage through its coverage benefits, the most notable of which include the following –
- Coverage against mental illnesses
- Cashless home hospitalization benefit for specific illnesses
- No room rent sub-limits
- Recovery benefit of INR 5000 if you are hospitalized continuously for 10 days or more
Moreover, there are a host of optional coverage benefits that you can choose from to customize your coverage at a small additional premium.
- Coverage for all family members
Under HDFC Ergo Health Suraksha Silver Smart health insurance policy you can cover your entire family under a family floater policy. There is no maximum entry age allowing even older dependents to enjoy coverage under your policy without restrictions.
- Emphasis on healthy living
This health insurance plan gives you the benefit of free annual health check-ups so that you can track and monitor your health every year. Moreover, there is my: Health Active benefit under the policy which rewards you for healthy living. If you maintain a healthy lifestyle by walking and exercising, you can accumulate healthy weeks. The accumulated healthy weeks in a policy year can then be exchanged for premium discounts when you renew the policy. Moreover, the policy provides wellness services and a health coach so that you can live a healthy lifestyle, keep illnesses at bay, and also avail premium discounts on renewals.
- Sum insured rebound
Also called sum insured restoration, the plan allows a free refill of your sum insured if your existing coverage gets used up on previous claims. This rebound facility ensures that your coverage does not run out due to frequent claims.
Besides these salient features, the plan has low premiums which are further made affordable through different types of discounts. Besides availing the healthy living discount, you can claim a family discount of 10% if two or more individuals are covered under the policy as well as a loyalty discount of 2.5% if you have invested in other policies issued by HDFC Ergo.
So, if you are looking to buy a health insurance policy without undergoing any medical tests, you can opt for HDFC Ergo Health Suraksha Silver Smart health insurance policy. The policy allows a good scope of coverage which can be customized through optional add-ons and riders. Lastly, the premiums are also affordable ensuring that the coverage does not prove heavy on your pockets.
No comments:
Post a Comment