HDFC ERGO Day2Day Care Plan

HDFC ERGO Day2Day Care Plan - BimaBandhu

Having comprehensive health insurance coverage that extends beyond traditional inpatient services is crucial in today’s dynamic healthcare landscape. Understanding the necessity of proactive healthcare, HDFC ERGO introduces the Day2Day Care Plan, a comprehensive OPD health insurance solution designed to cater to outpatient needs effectively.

HDFC ERGO Day2Day Care Plan is tailored to address the rising demand for outpatient medical services. It offers coverage for doctor consultations and diagnostic tests from the very first day of enrollment. This immediate coverage ensures that individuals can seek medical attention promptly without worrying about financial constraints.

One of the standout features of the Day2Day Care Plan is its inclusion of an annual health check-up benefit, promoting preventive healthcare practices among policyholders. Furthermore, the plan boasts a zero waiting period, eliminating the need for prolonged waiting times before accessing medical services.

In this guide, we will explore its benefits of HDFC ERGO Day2Day Care Plan, and how it aligns with evolving healthcare needs.

HDFC ERGO Day2Day Care Plan: Key Highlights

  • Sum Insured: Ranging from Rs 5000 to Rs 8000, ensuring that you can choose coverage that aligns with your specific healthcare needs and financial considerations
  • Policy Tenure: 1 year or 2 years
  • Plan Types: Two variants – Silver and Gold
  • Pre-policy medical check-ups: Required
  • Pre-existing diseases waiting period: None
  • Co-payment: 20% co-payment applicable on non-network providers

In this section, we have outlined the key specifications and features of the HDFC ERGO Day2Day Care Plan, empowering individuals to make informed decisions about their health insurance coverage.

Benefits of HDFC ERGO Day2Day Care Plan

  • Immediate coverage for outpatient services from Day 1, encompassing OPD consultations, diagnostic tests, and medications 
  • Unlimited outpatient consultation limits under the HDFC ERGO OPD cover (from network providers affiliated with the insurance company)
  • Annual health check-ups with convenient scheduling option
  • Tax advantages under Income Tax Act, Sec 80D on the premium paid for the policy

Also Read: All About HDFC ERGO Optima Secure Plan

Inclusions of HDFC ERGO Day2Day Care Plan

  • The plan covers the expenses associated with doctor consultations conducted on an outpatient department (OPD) basis. Policyholders can seek medical advice without the financial burden, promoting timely healthcare.
  • HDFC ERGO Day2Day Care extends coverage to medical expenses related to outpatient diagnostic tests, vaccination, physiotherapy, and prescription medicines. This inclusive approach ensures that policyholders have financial support for a wide range of medical services beyond consultations.
  • You can enjoy coverage for outpatient consultations and prescribed medicines within the AYUSH system (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy).

Exclusions of HDFC ERGO Day2Day Care Plan

While the HDFC ERGO Day2Day Care plan provides extensive coverage for outpatient services, certain medical expenses are excluded from the policy. 

  • The plan does not cover medical expenses incurred for in-patient treatment, which involves hospitalization for a specified duration. 
  • Day care procedures, which typically involve medical treatments or surgeries that do not require overnight hospital stay, are not covered under the plan.
  • Expenses related to the treatment of drug or alcohol addiction are excluded from the coverage. 
  • Any medical treatment resulting from intentional self-injury or an attempt to commit suicide is not covered under the HDFC ERGO Day2Day Care plan.
  • Medical expenses arising from injuries sustained due to the breach of law are not included in the coverage. 

Understanding these inclusions and exclusions is crucial for policyholders to have a clear understanding of the policy.

HDFC ERGO Day2Day Care Plan Eligibility Criteria

Minimum Entry Age: 18 years for adults, 91 days for children

Maximum Entry Age: 65 years for adults, 25 years for children

Coverage Type: Individual and family floater 

Number of Family Members Covered: Up to 5 family members under a single plan

Types of Relationships Covered: Self, spouse, and children

Renewability: Lifelong 


Which outpatient services are covered by HDFC ERGO’s Day2Day Care Plan?

HDFC ERGO’s Day2Day Care plan provides comprehensive coverage for OPD expenses. Policyholders can benefit from coverage for various OPD services, including doctor consultations, diagnostic tests, and related medical expenses. 

What is the limit on the number of OPD doctor consultations allowed within HDFC ERGO’s Day2Day Care Plan?

Under the HDFC ERGO Day2Day Care plan, policyholders are entitled to a maximum of 5 OPD doctor consultations during a policy year. This restriction ensures a balance between providing adequate access to medical consultations and maintaining the affordability of the plan. 

Are there any waiting periods associated with HDFC ERGO’s OPD cover within the Day2Day Care Plan?

No, there are no waiting periods attached to the HDFC ERGO Day2Day Care plan. Policyholders can access the benefits of the OPD cover, including doctor consultations and diagnostic tests, immediately upon policy initiation. 

Is it possible to claim insurance for outpatient expenses under the HDFC ERGO Day2Day Care plan?

With the plan, policyholders have the option to claim insurance for their OPD expenses. This means you can seek reimbursement for incurred costs related to doctor consultations, diagnostic tests, and other approved OPD medical expenditures. 

Is dental treatment covered under the HDFC ERGO Day2Day Care OPD cover?

No, dental treatment expenses are not covered under the HDFC ERGO Day2Day Care OPD cover. While OPD covers a range of outpatient services, dental treatments fall outside the scope of this particular plan. 

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