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HDFC ER Star He Niva Bu

Plan Plan: Opt Plan: Co Plan: Re

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Coverage
5 Lakh 5 Lakh 5 Lakh

₹20508 ₹16075 ₹17668

/year /year /year

Tenure 1 Year 1 Year 1 Year

Top Features

Irrespective of any
claim status 100%
increase in No Claim Bonus of
Carry forward
coverage after 2 up to 50% for every
Bonus on No unused base sum
years 2X coverage claim-free year up
Claim from Day 1 is to a cumulative
insured up to 5
times
provided instantly maximum of 100%
and 4X coverage
after 2 years

Covered after an Covered after an

initial waiting initial waiting Covered after
Corona
period of 30 days period of 30 days initial waiting
Coverage from the policy start from the policy period
date. start date

This plan cover

Hospital Room All catagories room All catagories
Single Private
Eligibility available.
Standard AC room.
room available.

This plan cover Rs Rs. 500/day for

800 per day ( max each completed
Hospitalization
up to Rs 4800 ) for hospitalization day
- Daily Cash choosing shared for a maximum of 7
Accommadation. days

Once in a year
Restoration of Sum
Insured for a
Recharge related and non-
Benefit related illness if the
original sum
 original sum
insured partially or
fullly exhausted

Covering Normal
Delivery upto Rs.
15000 and
Maternity Ceasarian upto Rs.
20000 after 24
month waiting
period.

In case the original Unlimited

Once in a year sum insured and no reinstatement of
Restoration of Sum claim bonus gets Sum Insured
Insured for a fully exhausted applicable for any
Restoration of related and non- once in policy year illness or anyone
Cover related illness if the 100% restoration of insured. This will be
original sum Sum Insured for carried forward at
insured partially or both related and every renewal
fullly exhausted non-related illness maximum up to
will be allowed. 100%.

Full claim is paid by

the insurer as per
terms & conditions
Share Claim Full claim paid by of the policy Full Claim paid by
Payments insurer however 10% co- Insurer
pay is applied if you
are 61 years old or
more.

A waiting period of
There is a waiting
3 years will be in
period of 3 years for
place for coverage
coverage on 3 years waiting
Pre existing on health
conditions declared period for Pre
conditions and existing at the
conditions that are
existing disease
declared at the
time of first
time of buying the
purchase.
policy.

Annual (From Day

1); For defined list
Health check-up
of tests; up to 500
benefit post Health check up is
for every 1 Lac sum
completion of every available at every
Health insured (Individual
policy year claim free year
Checkups irrespective of maximum upto Rs.
policy: maximum 5
000 per Insured;
claim status up to 2000.
Family Floater
Rs 2500
policy: maximum
10 000 per policy)

Additional Sum
Insured up to Basic
 Insured up to Basic
This plan cover Sum Insured for the
organ donor Complications(if Living organ donor
Organ Donor
expenses up to Sum any) that transplant covered
Insured. necessitate a Redo
Surgery/ICU
admission

Coverage available
Eye & Dental after every block of
Covers 3 policy years upto
Rs. 5000.

In-patient Care

Medical expenses
Coverage available
that are incurred in
for medical
Before 60 days before Covered upto 60
expenses incurred
Hospitalization hospitalisation are
60 days before
days
covered up to Sum
hospitalisation
Insured.

Medical expenses
Coverage available
that are incurred in
for medical
After 180 days post Covered upto 180
expenses incurred
Hospitalization hospitalisation are
90 days before
days
covered up to Sum
hospitalisation
Insured.

All day care

treatment
procedures that
This plan cover all take less than 24
Day Care All day care
Day Care hours of
Treatments Treatments. hospitalization due
treatment covered

to medical
advancement are
covered.

Medical treatment
Treatments done at Treatments done
done at home due
home due to at home due to
to unavailability of
patient condition or patient condition or
Hospitalization hospital bed or
unavailability of unavailability of
at Home hospital bed are
severe condition of
hospital bed are
the patient are
covered up to Sum covered upto Sum
covered up to 100%
Insured. Insured
of the Sum Insured.

Up to Rs. 15000 is
Covered Up to Sum
offered for using
Insured for utilizing Upto SI for utilizing
alternate treatment
Alternate ayurveda and ayurveda unani or
methods like
M di i i th th lt t
Medicine unani or other
Ayurveda Unani
other alternate
alternate medicine medicine methods
Siddha
methods.
Homeopathy.

Network
13000+ Network 11000+ Network 8600+ Network
Hospitals
hospitals Hospitals Hospitals
Covered

Coverage Terms

Family
Floater 2A + 4C 2A + 4C 2A+4C
Option

Emergency Coverage

Road Ambulance is
Covered at actual
This plan cover Road Road Ambulance
cost and Limit for Air
Ambulance : up to covered upto SI. Air
Ambulance Ambulance is Rs.
Sum Insured and Air Ambulance covered
Charges Ambulance : up to
250000 per
upto 2.5 Lacs per
hospitalization and
Rs. 500000. hospitalisation.
maximun Rs. 500000
in a policy year.

Worldwide
Emergency

This Plan cover Covered upto 2.5

Domestic
Domestic Lacs per
Evacuation Evacuation. hospitalisation.

Wellness Benefits

This plan cover once Once for any

Second per insured person condition for which
Available
Opinion (for 51 defined major hospitalization is
illnesses). triggered

Health
Assessment

The Insured can

 e su ed ca
earn reward points
and avail premium
discount up to 10%
Wellness
on the renewal
Factors premium by
enrolling and
achieving the
wellness goals.

Maternity Covers

Infertility
Treatment

This Plan cover new

New Born
born baby upto
Baby Cover 100000.