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Health Insurance Policy for Family

Your family members are very close to your heart. These relationships are meant to last forever as you spend most of your time with family, sharing joys and sorrows. Slightest stress caused to any one of your family member impacts the entire family. In order to protect your beloved family and keep them happy at all times, it is essential to safeguard their health. With the growing risks of diseases and tremendous increase in medical treatment expenses, it’s difficult to meet the health necessities of your family without a health Insurance policy. To meet unexpected medical emergencies and keep your family protected during difficult times, you must opt for Health Suraksha Insurance Policy for family.

Health Insurance for family can be opted for

Family without Kids ( Self + Spouse ) 2 Adults --- Click here to buy

Family With 1 Kid (Self + Spouse + 1 Kid) 2 Adults + 1 Child --- Click here to buy

Family With 2 Kids (Self + Spouse + 2 Kids) 2 Adults + 2 Children: --- Click here to Buy

Health Suraksha Insurance

Health Suraksha is uniquely designed to protect your immediate family. It provides maximum coverage at an affordable cost. Choosing Health Suraksha will indeed give your family a complete protection and safeguard you from the spiraling medical expenses. You can also add health Suraksha plan with your employee health insurance for a larger cover.

Who all are covered under the family health insurance?

Health Suraksha Gold is a well-customized family floater policy that covers you, your spouse, kids, and parents. You can also avail to cover your parents, in-laws and siblings.


  • Anybody above the age of 91 days can opt this policy, there’s no maximum age restriction
  • Children below 5 years get covered only if both the parents are covered under the policy.

Why choose Health Suraksha Plan?

  • Freedom to choose tenure of the policy; it can be either for one or two year.
  • 10% discount for a two yearshealth policy
  • Avail 5% Cumulative Bonus at the end of each claim-free year.
  • Free health check-ups on completing 4 claim-free years
  • Massive chain of 6000+ network hospitals for cashless treatment
  • Tax savings under Section 80D of the Income Tax Act
  • Minimum Documentation
  • Hassle-free claim settlement procedure
  • No restrictions on hospital expenses such as room rent, doctor fees and medicine costs.
  • No entry age restriction
  • Maternity cover for Mother + New born
  • Lifelong renewability

Benefits of buying HDFC ERGO Health Insurance Policy Online?

With fast-forward lifestyle there’s a constant rush every time. Busy schedules, meetings and family engagements keep us tied up every time. Even if you choose to invest in a health insurance policy, you have to set up a meeting and make a buying decision for the right policy. To cut out the waiting time and ensure quick buying, HDFC ERGO allows you to buy policies online. With loaded benefits, buying health insurance plan online will save your time and secure your health with a wider cover. Here’s a list of benefits you can avail while buying health insurance policies online.

  • Easy, convenient and time saving
  • On spot plan comparison
  • Multiple secured payment options
  • 24*7 Customer Support
  • Transparency
  • Instant policy

What is covered?

  • In-patient Treatment due to illness and accident
  • Pre-hospitalization costs incurred 60 days prior hospitalization
  • Post-hospitalization costs incurred 90 days post discharge
  • Day care treatment, that do not require 24hrs hospitalization
  • Domiciliary Treatment, as advised by medical practitioner
  • Organ Donor Treatment Costs
  • Emergency Ambulance
  • Non Allopathic Treatmentunder AYUSH - Ayurveda, Unani, Siddha and Homeopathy

(T&C apply. For detailed information on covers, please refer the policy wordings.)

What is not covered?

HIV/AIDS, medical expenses arising due to intoxication, plastic or cosmetic surgery, self-inflicted injuries, War related injuries.

(T&C apply. For detailed information on exclusion, please refer the policy wordings.)

Medisure Super Top Up Insurance For Family

Togetherness is the cherished feeling that we celebrate with family. Being with family and enjoying the best times together is indeed blissful. Even a little piece of stress caused to any one member may dishearten the entire family. To keep the happiness intact and deliver financial security, it’s essential to opt for a health insurance plan with larger cover. However, a very high cover health insurance can cost you a lot. HDFC ERGO understands your need for more and hence, it has come up with my:health Medisure Super Top up as an additional cover for expanding the existing health cover for your family at a very affordable cost.

Considered as one of most appealing health insurance plan for family by HDFC ERGO, Medisure Top up covers extensive medical costs effortlessly. It offers maximum coverage at affordable premium. For example 20 lakh coverage with Rs5 Lakhs aggregate deductible for a couple below age 35 needs to pay just only Rs. 3300 + taxes, isn’t it appealing?

You can add my:health Medisure Super Top Up to any of your existing HDFC ERGO health insurance plan or to any Health insurance  you have purchased from other insurance company or even your employer’s provided health cover. The beauty of this product is that it can complement any existing health insurance to ensure an adequate health cover for you and your family.

In case even if you do not have any existing policy you can still choose to buy your first health plan for Medisure Super Top up.

Isn’t it a one for all health insurance plans for meeting individual health needs?


  • 1. What do you mean by annual sum insured?

    The annual sum insured is the maximum amount that an insurance company will pay you, according to the insurance contract, in the event of a claim.
  • 2. What are the eligibility criteria for purchasing the policy?

    HDFC ERGO's Health Suraksha plan is open for all above the age of 92 days. There’s no limit on age.
  • 3. Do these health policies offer any tax exemptions?

    Yes absolutely, you can avail tax exemptions up to a sum of Rs. 25,000 as tax benefit under 'Section 80D'. In case of senior citizens, you are allowed to avail tax exemption up to a sum of Rs. 30,000 under Section '80'. For more details on Tax Savings click here.
  • 4. Are there any medical tests that I need to undergo to enroll myself?

    No pre policy medical check-up is required for individuals’ up to 45 years* of age, subject to no health adversity.
  • 5. What are Pre and Post Hospitalisation expenses?

    Pre hospitalization expenses means the medical expenses incurred for specified number of days prior to hospitalization for any disease / illness / injury sustained which is covered under the health insurance Policy. And post hospitalization expenses means the medical expenses incurred for a specified number of days after discharge from the Hospital. In ‘Health Suraksha’ the pre-hospitalization period is 60 days while the post-hospitalization period is 90 days.
  • 6. What is meant by Day Care Procedures?

    Day care procedures are the medical procedures/surgeries wherein the person does not need to get hospitalized for more than 24 hours due to technological advancement. Health Suraksha covers 144 day care treatment.
  • 7. What are Domiciliary Hospitalisation or in home treatment expenses?

    The Medical Expenses incurred by an insured person for medical treatment taken at his home, on the advice of the attending medical practitioner, as the insured person could not be transferred to a Hospital or a Hospital bed was unavailable.
  • 8. What is meant by Organ Donor Expenses?

    Organ donor expenses include all hospitalization expenses incurred by the donor for donating an organ (excluding the cost of the organ) to the insured during the course of an organ transplant.
  • 9. What is covered under the AYUSH Benefit?

    Under AYUSH benefit HDFC ERGO Health Suraksha reimburses expenses for inpatient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.
  • 10. What do you mean by Pre-Existing Diseases?

    Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and / or for which medical advice / treatment was received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter.
  • 11. What is Cumulative Bonus?

    Cumulative Bonus means any increase or addition in the Sum Insured granted by the insurer without an associated increase in premium. Under Health Suraksha, you can avail of 5% cumulative bonus for every claim free year maximum upto 50% of SI.
  • 12. What is the procedure for reimbursement of medical expenses with HDFC ERGO Health Suraksha Gold?

    Follow three simple steps to get your claim covered:
    1. Register your claim with us within 7 days of patient's discharge.
    2. Send the duly signed claim form and all the documents mentioned therein to us within 15 days of the occurrence of the incident.
    3. After receiving the complete set of claim documents, we will send the payment for admissible amount along with claim settlement statement within 30 days in the name of the proposer.
  • 13. What are the benefits of a Health Card?

    A health card contains the contact details of the in-house claim service team. In case of a medical emergency, you can call on these numbers for queries, clarifications and seek assistance. Moreover, you need to display your health card at the time of admission into the hospital.
  • 14. Do I need to pay for Hospitalization?

    In case you are admitted in any of our network hospitals, you easily can avail cashless facility. We would settle all the admissible expenses directly to the hospital. However, in case of non-network hospitals, you will have to settle hospital bills at the time of discharge, and consequently claim. The same will be reimbursed to you by us as per Policy terms and condition, on submission of relevant document/s in originals.
  • 15. What is meant by Network Hospitals

    In case you are admitted in any of our network hospitals, you easily can avail cashless facility. We would settle all the admissible expenses directly to the hospital. However, in case of non-network hospitals, you will have to settle hospital bills at the time of discharge, and consequently claim. The same will be reimbursed to you by us as per Policy terms and condition, on submission of relevant document/s in originals.
    a complete list of network hospitals, click here.
  • 16. What is meant by Non-Network Hospitals?

    Non-Network means any hospital, day care centre or other provider that is not part of the network. The bills are settled by the Insured and the relevant documents and bills are subsequently submitted to the company. The amount, consequently, is reimbursed to the Insured.
  • 17. Whom to contact in case of hospitalisation?

    For hospitalisation/claim, customer can contact via
    Call: 1800 2 700 700 (accessible from India only)
    Fax: 1860 2000 600
    Mobile App:Register our claim through our mobile app.
  • 18. How can I port my existing health insurance with HDFC ERGO's Health Suraksha?

    If you own a health insurance plan issued by an Indian general insurer and you want to shift to HDFC ERGO on renewal, Health Suraksha policy offers portability of accrued benefits and make due allowances for waiting period etc. as per the regulation and guidelines on portability issued by IRDA(Insurance Regulatory Development Authority). If you transfer your health insurance policy from any other Indian insurer and with enhanced coverage, then the portability benefits will be offered on the previous Sum Insured)
  • 19. What is family floater policy?

    A family floater policy covers all family members under a single plan.
  • 20. How does it work?

    The Sum Insuredis pre-determined and reduces as and when any member avails the benefits under the plan. Such plans cover you, parents, spouses, and children.
  • 21. What are documents required?

    Some documents required include identity, age, and address proof of all covered members. In addition, the primary holder’s income proof is needed. Certain plans may require medical examination.
  • 22. Do I need family floater if already covered in corporate insurance?

    Yes, it is recommended because the corporate insurance coverage may be insufficient. Moreover, if you change or lose your job, you will lose the coverage.
  • 23. What happens if the primary insured passes away?

    If the primary insured passes away, the other adult member included in the policy may continue the policy.
  • 24. Can I increase the Sum Insuredfor family plans?

    Sum Insured can be increased at renewal subject to approval.
  • 25. What is the claim reimbursement procedure?

    You must register the claim within 7 days of discharge. You must attach all the documents along with the claim form. When all documents are duly received, you will receive a claim settlement letter within 30 days.
  • 26. Does health insurance under family plan ensure cashless hospitalization?

    Yes it does.
  • 27. Can I change the hospital during the course of treatment?

    Yes, most plans allow you to change the hospital during the course of treatment. However, you must provide the necessary information to evaluate your case.
  • 28. Will I be covered in case of overseas illness?

    Some insurers provide overseas benefits, such as pre-diagnosed planned hospitalization, outpatient treatment, and second opinion in case of sudden illness while travelling.
  • 29. What can I do if cashless hospitalization is denied?

    You must check if the information provided is accurate and does not have any discrepancy. It may be denied if the condition is excluded from the plan. It is advisable to pay all the expenses and then file a claim.
  • 30. How to get multiple insurance and how to claim under multiple plans?

    You can get multiple insurance policies from different companies. However, you must provide all information about existing policies to the other insurers.
  • 31. How can I get add new member to my existing family floater?

    You can easily add a new member by filling up a health declaration and endorsement form.
  • 32. Do I need to pay for my pre-policy health checkup?

    No, you need not. We will bear 100% of your pre-policy health checkup cost and directly settle the same with the diagnostic center for all accepted cases.
  • 33. What if my proposal is rejected due to adverse pre-policy health checkup results?

    We will deduct only 50% of your pre-policy checkup cost from the premium refund amount for all rejected cases. 50% of the pre-policy checkup cost will still be borne by us.