Health Suraksha Top Up Plus
HEALTH SURAKSHA TOP UP PLUS Ensuring happiness for your family
  • - Additional Coverage to health policy
  • - Lifetime Renewability
  • - Tax Benefits U/s 80D*
  • - No Sublimit
: 4.3     306 Ratings | 306 Reviews

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Health Suraksha: Top Up Health Insurance Plan

HDFC ERGO’s Health Suraksha Top Up Plus is what you can turn to when you feel you want something more from your medical insurance policy. Our Top Up plan not only supplements your primary health insurance cover at a low cost, but also comes with a host of additional benefits.
Our Health Suraksha Top Up Plus offers benefits to suit your needs with no room rent restriction, no sub limits and the option of lifelong renewability.
If the need arises, owing to job change, retirement etc, we would be glad to convert your Top Up policy into HDFC ERGO Health Suraksha policy at any time. You would also be able to carry forward all the accrued continuity benefits of the Top Up policy.

HDFC ERGO Health Suraksha Top Up Plus

Our policy offers you additional sum insured to counter any medical emergency or prolonged illness, whereby the existing cover offered by primary health policy may fall short.
In case, if you exhaust coverage of your primary health policy over one or multiple claims, even then you would have assurance of our policy for remaining policy period.
We also offer opportunity to enhance your Top Up coverage at the time of renewal, subject to policy conditions.
To buy our Top Up policy, primary health policy is not a compulsory requirement. You may choose to use your own savings for medical emergencies; however we strongly recommend having one primary health policy with sum insured representing deductible for Top Up policy.

  • Option to convert Health Suraksha Top Up policy into Health Suraksha policy
  • No capping on expenses like hospital room rents, doctor fees and other sublimits
  • Coverage of up to Rs 5 Lacs per annum over the deductible^ selected by you
  • Avail a family discount of 10% for three or more members covered in same policy
  • 5% cumulative bonus on sum insured for every claim-free year, up to 50% maximum
  • No exit age - lifelong renewability
  • Tax Benefit under section 80D#
^ Deductible is the limit selected by you while taking Health Suraksha Top Up Plus policy with HDFC ERGO. Coverage of Top Up policy triggers as soon as expenses borne by you against one or more medical exigencies exhaust the Deductible limit during one policy year

#Subject to the change in Tax Laws

For details, please refer to policy terms and conditions
  • In-patient Treatment - Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc
  • Pre-Hospitalization - Medical expenses 60 days immediately before hospitalization
  • Post-Hospitalization - Medical expenses 90 days immediately after hospitalization
  • Day care procedures - Medical expenses for 140 day care procedures which do not require 24 hours hospitalization due to technological advancement in medical science.
  • Domiciliary Treatment - Medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalisation
  • Organ Donor - Medical expenses on harvesting the organ from the donor
  • Sum Insured (Rs.) - 2, 3, 4 and 5 Lacs
  • Deductible (Rs) ^ - 1, 2 and 3 Lacs
  • Family Discount - The family includes self, spouse, dependent children (up to the age of 21 years) and dependent parents. Dependent parents have to be covered under separate family floater policy
  • Renewal Incentives - Cumulative bonus of 5% of the Sum Insured for every claim free year accumulating up to 50%. In the event of a claim, the cumulative bonus shall be reduced by 5% at the time of renewal.
  • Entry Age - From 5 years to 65 years. Cover children aged 91 days and above, subject to both parents being covered under same policy
  • Policy Period - The policy will be issued for 1 year /2 years period
  • Pre-Policy Check up - Required > 55 Yrs of age*
  • Free Look Period - A period of 15 days from the date of receipt of the policy document
  • Emergency Ambulance - Expenses up to Rs. 2000 per hospitalization for utilizing ambulance service for transporting insured person to hospital.

  • * 50% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance.

    ^ Deductible is the limit selected by you while taking Health Suraksha Top Up Plus policy with HDFC ERGO. Coverage of Top Up policy triggers as soon as expenses born by you against one or more medical exigencies exhausts the Deductible limit during one policy year

    For details, please refer to policy terms and conditions
  • The company will not be liable for any payment unless the medical expenses exceed the deductible*
  • Waiting Periods
    • 30 days waiting period will apply to all claims, except if any insured person suffers an accident
    • 2 years exclusions for specific diseases
    • 4 years exclusion for pre-existing conditions
  • Permanent exclusions in the policy:
    • Non-allopathic treatment
    • Expenses arising from HIV or AIDS and related diseases are permanently excluded
    • Mental disorder or insanity, cosmetic surgery, weight control treatment
    • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
    • Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
    • Pregnancy, dental and external aids and appliances unless covered under specific plans
    • Experimental, investigational or unproven treatment, devices and pharmacological regimens
For a complete list, kindly refer the Policy Wordings

* Deductible is the limit selected by you while taking Health Suraksha Top Up Plus policy with HDFC ERGO. Coverage of Top Up policy triggers as soon as expenses born by you against one or more medical exigencies exhausts the Deductible limit during one policy year

For details, please refer to policy terms and conditions

FAQs

  • Why do I need a Top Up Plus plan for Health Insurance?

    Health insurance will protect you and your family against any financial contingency arising due to a medical emergency. However a top up plan on your base policy is of equal importance due to various reasons…
    • It supplements your existing medical insurance
    • It covers one against medical emergency in case of exhaustion of the basic cover
    • It covers one against medical emergency in case of change in job
    • It supplements your savings when the treatment costs exceed your savings…
  • What are the benefits under this policy?

    The Health Suraksha Top Up Plus plan triggers upon exhaustion of the stated deductible amount. The exhaustion of deductible can happen as multiple claims consuming the deductible amount in multiple hospitalizations/conditions/claims etc. Benefits under the policy are as under :
    • In-patient Treatment - Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc
    • Pre-Hospitalization - expenses 60 days immediately before hospitalization
    • Post-Hospitalization - Medical expenses 90 days immediately after hospitalization
    • Day care procedures - Medical expenses for 141 day care procedures which do not require 24 hours hospitalization due to technological advancement in medical science.
    • Domiciliary Treatment - Medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalization.
    • Organ Donor - Medical expenses on harvesting the organ from the donor
    • Emergency Ambulance - Expenses up to Rs. 2000 per hospitalization for utilizing ambulance service for transporting insured person to hospital
  • What are the plans available under this policy?

    You can opt for combinations of Sum Insured against Deductibles E.g. Sum Insured 5,00,000 with Deductible 2,00,000 or 3,00,000
    • 1 Adult
    • 1 Adult 1 Child
    • 2 Adults
    • 2 Adults 1 Child
    • 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 top up plus is open to individuals from the age of 91 Days to 65 years. However there will be no exit-age for ceasing of the cover.
  • 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'.
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Health Suraksha Top Up 4.3 306 | 306 Reviews

Customer Review Summary

Average Rating :   
4.3
(Based on 306 ratings )
Star 5 :
Star 4 :
Star 3 :
Star 2 :
Star 1 :

Customers Reviews

   5
RAMAN KUMAR
17 Jun 2016,  
Plan Type : Individual Sum Insured
      
good
   5
Indranil Pal
27 Apr 2016,  
Plan Type : Family Floater
      
Excellent
   5
SANJEEV KUMAR
22 Apr 2016,  
Plan Type : Individual Sum Insured
      
GOOD
   5
Perla Redy
31 Mar 2016,  
Plan Type : Individual Sum Insured
      
excellent service
   5
INDER RAJ
18 Mar 2016,  
Plan Type : Individual Sum Insured
      
EXCELLENT
   5
VIJAY CHOUDHARY
15 Mar 2016,  
Plan Type : Family Floater
      
good
   5
Rohan Mahajan
15 Mar 2016,  
Plan Type : Family Floater
      
Outstanding
   5
GURPREET SINGH
15 Mar 2016,  
Plan Type : Individual Sum Insured
      
GOOD
   5
SURJIT SINGH
11 Mar 2016,  
Plan Type : Family Floater
      
EXCELLENT
   5
AMANDEEP SINGH
19 Feb 2016,  
Plan Type : Individual Sum Insured
      
good