The HDFC family health insurance plan pays the room and boarding expenses incurred by the insured at the time of hospitalization. These expenses would be as per the option exercised at the time of taking the policy. There are different room rent levels offered by the health insurance policy of HDFC.
The expenses incurred by the insured before the hospitalization are known as pre hospitalization expenses and those incurred after the hospitalization are known as post hospitalization expenses. HDFC group health insurance plan pays the pre and post hospitalization expenses to the insured customer as per the number of days specified in the policy.
HDFC family health insurance plan reimburses the medical expenses incurred by the insured customer for availing treatment at home which is known as the domiciliary treatment expenses. The domiciliary treatment expenses would be paid only for a certain number of days and the treatment should be taken only by the recommendation of the treating doctor.
HDFC Ergo group health insurance provides cover for day care treatments. Day care treatments are those which can be treated within 24 hours in a hospital thereby not requiring an admission as an in-patient. Due to the advancement in technology most of the treatments are done as day care treatments which are covered by HDFC family health insurance plan.
HDFC Ergo group health insurance plan also covers the cost incurred for the Covi-19 treatment. The cost incurred for PPE Kits, diagnostic tests etc. would be covered under the group health insurance up to a certain limit as mentioned in the policy document. The treatment for Covid-19 would be covered as per the directive from the Insurance regulatory and development authority of India which states that the covid-19 treatment should be covered under the group health insurance policies.