Health Insurance: Free cashless treatment up to Rs 3 lakh, you can get the policy through this UPI app..

HDFC ERGO Health Insurance: The middle class is most troubled by the increasing medical expenses day by day. In the era of income being a mere penny, expenditure being a rupee, the income from salary or business is spent on household expenses, children's fees, and other things. In such a situation, if there is a health problem, it becomes difficult to raise money for treatment. Or the money saved for some other important work is spent on treatment. 'Health Insurance' (Cheapest Health Insurance) is a simple solution to avoid these emergency expenses.

Very cheap health insurance
When it comes to health insurance, first of all, people are afraid of the cost of premiums. The general belief is that the premium will be expensive. However, there are many such insurance schemes available in the market, in which the premiums are very cheap. Insurance company HDFC ERGO has come up with one such scheme. People will get the facility of cashless health insurance under the name 'Suraksha Sankalp'.

Under this policy, expenses from OPD to hospital admission can be covered. It has partnered with PhonePe for a cheap insurance plan, which aims to provide health insurance service at a low cost for the 'missing middle class'.

Premium as much as the cost of tea

Nowadays, the price of a tea has also gone up to 15 to 20 rupees, and this health insurance is available at a price even less than that. Under this insurance policy, coverage of up to Rs 3 lakh is available, the premium of which starts from Rs 12 per day. According to a joint release issued by HDFC ERGO and PhonePe, the premium for a cover of up to Rs 3 lakh and the rest of the benefits will be around Rs 12 per day. That is, a premium of about Rs 360 per month and Rs 4,380 per year will have to be paid.

Features of this health insurance policy

Hospitalization coverage: On hospitalization, coverage of up to ₹ 3 lakh will be available.

Daily allowance: On hospitalization, an allowance of ₹ 2,000 per day will be given for 15 days.

Additional allowance: If admitted due to any vector-borne disease (such as dengue, malaria, etc.), an additional allowance of ₹ 1,500 / day will be given for 10 days.

Coverage of other expenses: If the customer wishes, he can also get consumables like surgical items and administration charges covered.
Doctor Consultation: It includes unlimited general physician tele-consultation and in-person consultation up to ₹2,000.

Age Limit: This plan is primarily for people between 18 and 30 years of age, many of whom are buying insurance for the first time.

Easy Policy Purchase: Buying and issuing the policy can be done entirely through the PhonePe app.

Cashless Treatment: A 'Missing Middle Hospital Network' is available for cashless treatment.

Affordable Premium: Premium starts from ₹12/day for coverage of Rs 3 lakh and other benefits.

Policy can be purchased from the PhonePe app

According to the report of Niti Aayog, about 40 crore Indians are called 'Missing Middle'. These people do not have any kind of health insurance. In such a situation, this can be a good opportunity for them. This policy of HDFC ERGO is especially for people in the age group of 18 to 30 years. Most of these people may be those who are taking health insurance for the first time. This policy can be purchased from the PhonePe app, and it will be issued immediately.

Disclaimer: This content has been sourced and edited from NDTV India. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.