“So many people spend their health gaining wealth, and then have to spend their wealth to regain their health.” Vikram, 30,a young bachelor, didn’t want this to happen to him.
Vikram lives with his parents. He owns a thriving business of manufacturing car spare parts.He recently purchased the HDFC Life Health Assure plan for his entire family. While making this purchase decision, he had two options – either to opt for an individual plan or a family floater plan. He chose the latter after some thought; however, his parents were not convinced about needing health insurance. Vikram’s father Mahesh, 58 is an advocate employed in a law firm that provides him with health insurance while his mother has a small home-based catering business of her own.
Vikram tries to convince his parent about the importance of a Health plan and why he has chosen HDFC Life Health Assure Plan. His father convinced that his employer’s plan is sufficient and his mom points out that they are in relatively good health. Vikram explains to them that employers provided plans only last till you work for them and health insurance is a must when costs of health coverage are rising consistently.
Vikram tells his parents about how flexible HDFC Life Health Assure Plan is and about the two plan options for both individuals and families:
- Silver option : In the silver option, you will receive inpatient hospitalisation cover, day care benefits, pre and post-hospitalisation benefits, emergency ambulance charges and expenses for donors
- Gold option : This provides all the benefits of the silver plan as well as hospital cash and maternity benefits (for family floater plan). HDFC Life even encourages you to be healthy and gives you free health check up vouchers from the second policy year for every 3-year term with the Gold option of the plan.
And, All of this for as low as Rs. 12 per day1!
Unlike older plans where for claim-free years where you receive some benefits. This plan offers increase in the annual health insurance limit by as much as 50 per cent of no claims in the first year and 100 per cent in case no claims for two years. Also, with this plan your, medical insurance premium is not increased even if you make a claim within the first three years of taking the policy.
HDFC Life Health Assure Plan also comes with two optional benefits - room rent enhancement and restore benefit. With the room rent enhancement option, sub-limits on hospital rooms are eliminated. This means you can stay in a room of your choice. If you have exhausted your multiplier benefit and sum assured due to a claim, with restore benefit, you can bring it back to the basic sum assured and continue receiving protection2.
HDFC Life Health Assure Plan is a cashless mediclaim policy for family through which you can avail treatment at any network hospitals. You will be provided with a health insurance card that you can use at these hospitals to avail their services. You can also avail reimbursement service with our Third Party Administrator (TPA) by submitting hospital bills after your discharge and make a claim for hospitalisation at the institution of your choice in case you would not like to avail benefit of cashless hospitalisation. We get to save tax too!
Vikram's parents have discovered that HDFC Life Health Assure Plan is the right medical insurance plan for them. They too, like Vikram, now think that the benefits of this plan are what the family needs.