Health Suraksha
Health Suraksha Wellness for a happy family
  • - Cashless claims at 4800+ network hospitals
  • - One policy covers entire family
  • - Tax benefit U/s 80D*
  • - No sub limit

Customer's Voice

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    1453 Ratings | 1111 Reviews

Health Insurance

Medication and hospitalization play a substantial role while ensuring the health of a family. Rising medical treatment costs and soaring medicine prices are enough to drain your savings, if not well prepared. When someone in the family is hospitalized, all you wish to focus on is the health recovery without looking at the finances. A Health insurance acts as a protection measure of saving your finances in the event of you or your family member getting hospitalized.

HDFC ERGO’s Health Suraksha Plan

HDFC ERGO provides a comprehensive health insurance plan fitting well in everyone’s budget. The Health Suraksha plan from HDFC ERGO provides cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses. With Health Suraksha Plan, be rest assured of no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Get instant quotes online on your desired health plan and buy the right Health Suraksha Plan for you and your family, on just a click.

Key Highlights of HDFC ERGO’s Health Suraksha Plan

  • Optimized health insurance plans at affordable rates
  • Option to choose Individual or Family Floater Health Insurance
  • Choose a health insurance plan from either an annual policy or a two year policy
  • Get a Cumulative Bonus on completion of every claimless year
  • Get Health Check-up expenses reimbursed on completion of 4 claimless years
  • A network of more than 4800+ hospitals to choose from to avail cashless services
  • Health check-up not mandatory for individuals below 45 years of age
  • Get benefits on Income Tax under Section 80D of the Income Tax Act
  • Enjoy hassle free claim procedures with least documentation and settlement times
  • No Sub-limits on hospital room rents, hospital expenses, specific diseases and doctor fees.*
*Except for Ayurvedic / Homeopathic Benefit

HDFC ERGO Health Insurance Plan

Schedule of Benefits - Individual & Family Floater
Basic Sum Insured per Policy Year Rs. 200000, Rs. 300000, Rs. 400000, Rs. 500000
In-patient Treatment Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured
Pre-hospitalization Medical costs incurred during 60 days prior to hospitalization are reimbursed
Post-hospitalization Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed
Day Care Procedures Expenses for 141 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed
Domiciliary Treatment The Medical Expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required Hospitalization on the advice of the attending Medical Practitioner, if the Insured Person could not be transferred to a Hospital or a Hospital bed was unavailable are reimbursed
Organ Donor Medical costs for harvesting an organ donated are reimbursed
Emergency Ambulance (Limit per hospitalisation) Upto Rs. 2,000 reimbursed as ambulance expenseduring an emergency
AYUSHBenefit Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed. Upto 20% of Sum Insured; Max. Rs 20,000 (for 2L & 3L Policy Sum Insured) and Rs 25,000 (for Rs 4L & 5L policy Sum Insured)
Cumulative Bonus Every claim free year increases the Sum Insured by 5%(of the basic sum insured); upto a Max. 50%(of the basic sum insured) increase.
Medical checkups Reimburses 1% of Sum Insured or Rs. 5000 whichever is less.

Exclusion Policy – HDFC ERGO Health Suraksha Plan

  • A Waiting Period of 30 days for claims
  • A Waiting Period of 2 years for Particular Diseases and Treatments like surgery on tonsils and sinuses, internal tumors, cysts etc.
  • Pre-existing conditions not covered until covered for 48 months continuously
  • War or any sort of armed conflicts
  • Breach of any law with an intent of crime
  • Suicide attempts/ Suicide, injuries due to an act of self-destruction or self-inflicted injury
  • Terrorist activities, radioactivity or war
  • Claims for illnesses arising due to intoxication of Drugs and Alcohol
  • AIDS / HIV
  • Plastic or cosmetic surgeryunless carried out as a part of medically required treatment
  • Vaccinations including inoculation and immunizations taken as part of preventive measures
  • Refer to the Policy Wording document for a complete list of exclusions
Note: The content is descriptive only. For actual coverage, kindly refer the policy document.


  • Why do I need Health Insurance?
    Health insurance will protect you and your family against any financial contingency arising due to a medical emergency.
  • What are the benefits under this policy?
    Health Suraksha offers optimum health coverage at an affordable price.
    The plan not only covers not only hospitalisation expenses due to accidents or illness but extends to cover pre and post hospitalisation expenses, day care procedures, domiciliary treatment, organ donor expenses, emergency ambulance and ayush benefit.
  • What are the plans available under this policy?
    You can choose from four plans as mentioned below with Sum Insured ranging from Rs. 2 lakh, 3 lakh and 4 lakh:
    1 : 1 Adult
    2 : 2 Adults
    3 : 2 Adults 1 Child
    4 : 2 Adults 2 Children
    The policy offers option for covering on individual sum insured basis and on family floater basis.
  • Is there any eligibility criterion for purchasing this policy?
    Health Suraksha is open to individuals from the age of 03 months to 65 years.
  • Is there any tax exemption under the policy?
    Yes, you can avail upto Rs.15,000 as tax benefit under ‘Section 80D’. In case of senior citizens, you can avail upto Rs.20,000 as tax benefit under 'Section 80D'.
  • Read more ...

Health Suraksha 4 1453 | 1111 Reviews

Customer Review Summary

Average Rating :    4
(Based on 1453 ratings )
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Customers Reviews

Balaji Annam
21 Jan 2014,  
Plan Type : Family Floater
Excellant facility providing by HDFC. I am the customer from since 5 years and good facility to buy online for insurance.
06 Jan 2014,  
Plan Type : Individual Sum Insured
I am an emloyee of HDFC ERGO since 5 years. I am happy to purchase policy from my own company with high level of satisfaction in entire buying process, NCB payment and other communications. All the best HDFC ERGO
Jambu Kumar Jain G
06 Jan 2014,  
Plan Type : Individual Sum Insured
Online Policies should be little less charged as there is no branch work or agent commission involved. online buyers should be encouraged by discounts equal to Agent Commission,
Neeraj Kumar G
06 Jan 2014,  
Plan Type : Individual Sum Insured
01 Jan 2014,  
Except Cashless Benefits at the hospitals, everything is good.(Maybe HDFC should open their own counters at Hospitals as the Hospital Employees at the Insurance counters are not much helpfull).
Deepak Kumar
02 Jan 2014,  
Plan Type : Individual Sum Insured
today i am very happy with buy a health insurance policy online mode . so thanks
22 Dec 2013,  
very good process, I hope the same will at the time of claim. Thanks Girish Joshi
17 Dec 2013,  
Plan Type : Individual Sum Insured
Excellent experience. Renewed my brother policy within 30 secs.
09 Dec 2013,  
Appreciate HDFC Systems and Procedure. Very easy, transparent. I am using HDFC for all my financial need viz Banking, House Loan, Auto Loan, Insurances. Experience is wonderful. Have not faced any issue. Good Luck.
08 Dec 2013,  
Good, but need to reduce no of steps, as address I have in my address in profile, again asking the address after payment that too it is showing very first address in edit box.