• Introduction
  • What's included?
  • What's not included?
  • Other related articles
  • FAQs

Health Suraksha Insurance

 

Health Suraksha from HDFC ERGO has been designed keeping in mind medical inflation. It offers maximum coverage with uninterrupted medical treatment. Rising medical bills can cause a lot of stress but trust us and everything will be taken care of smoothly. Some of the key highlights of the plan: no room rent sub-limits, no limit for age at entry, with an option to add maternity coverage & critical illness cover.

Reasons to choose Health Suraksha Insurance

No room rent sub-limits
Worried that you can’t afford that swanky hospital room with your insurance plan? With HDFC Health Suraksha you can bask in healthcare comforts.
Wide range of sum insured
No compromises with your health insurance. Choose the sum insured plan exactly according to your needs and preferences. We have spoilt you for choices.
144 Day Care Procedures
Our policy is in sync with the technologically advanced healthcare. If the procedure takes less than 24Hrs it falls under day care treatments. Day care procedures are covered.
AYUSH benefit
We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

What’s included?

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In-Patient treatment

Hospital stays can be disheartening but we make everything easy and comfortable. Know More...

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Pre-hospitalization

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. Know More...

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Post-hospitalisation

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 90 days after hospitalisation.

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Day Care procedures

Get full coverage up to sum insured on medical procedures that take up less than 24 hours.

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Organ Donor

For a noble deed as organ donation, we cover the organ harvesting expenses caused to the donor.

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Emergency Ambulance

Absence of timely help can prove fatal. Our policy pays transportation expenses to help reach the nearest hospital,if the insured encounters life-threatening injuries.

What’s not included?

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Adventure Sport injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

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Self-inflicted injuries

You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

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War

War can be disastrous and unfortunate. However, our policy does not cover accidents that are caused due to wars.

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Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

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Venereal or Sexually transmitted diseases

We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.

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Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

Waiting Periods

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First 24 Months From Policy Inception

Few illnesses & treatments are covered after 2 years of policy issuance.

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First 30 Days From Policy Inception

We will entertain all claims post waiting period of 30 Days except accidental claims.

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First 48 Months From Policy Start Date

Declared and/or accepted pre-existing conditions at the time of application will be covered after first 4 years of continual renewals

What makes Health Suraksha a 360 Degree Insurance Plan?

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Long term discounts

A policy with lengthy tenure enjoys special discounts as well. Family Discount: If more than two members are covered in one policy on Individual Sum Insured basis, then you are eligible for a family discount.

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Wide range of sum insured available

From 3 lac upto 10 lacs, choose the sum insured plan according to your health history as well as affordability of premium.

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No entry age restriction

You can plan ahead and opt for an early entry and in fact enjoy the benefit of lower premiums when buying insurance at a younger age.

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Lifetime renewability

This feature makes HDFC Health Suraksha your health care partner and allows you unrestricted coverage.

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No room rent capping

HDFC Health Suraksha ensures you get best in class healthcare without any restrictions on room rent coverage.

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No disease sub-limits

No disease sub-limits ensures that the entire Sum Insured is available in case it is needed.

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Integrated wellness services

This enables you to track your exercise and calorie count seamlessly. You can also avail discounts on diet consultations, OPD charges, medicines etc.

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Free look cancellation

No compulsions. You are free to cancel the policy within 15 days from the date of receipt of policy document in case you find it unsuitable.

Our Cashless
Hospital Network

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Register & Track Claims through our website

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Regular claim update on your mobile

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Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. **90% of pre-authorised cashless health claims are responded within 22 minutes and reimbursement claims are approved within 3 days.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. **90% of pre-authorised cashless health claims are responded within 22 minutes and reimbursement claims are approved within 3 days.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.

Other related articles

 

Other related articles

 

Frequently asked questions

There is no maximum entry age limit to buy Health Suraksha. Anyone who is 91 days onwards can buy the policy. Children below 5 years however, can be covered only if both parents are covered under the policy.
Yes, it is important to declare all about your pre-existing disease at the time of policy purchase to avoid any future hassles.
Yes, as per the guidelines for Health Suraksha, all those over age 45 years have to undergo pre-policy medical check up irrespective of their health status.
Pre-existing waiting period for Health Suraksha is 4 years. That means, your pre-existing diseases declared at the time of policy purchase will be covered after 4 continuous renewals.
Yes, there is a 10% discount in case you opt for Health Suraksha Policy for 2 years tenure.
Yes, in case you opt for Health Suraksha for more than 2 family members on individual sum insured basis in a single policy, then you get an additional 10% discount on the total premium.
In case you have mentioned a pre-existing disease, the proposal form with all the details submitted is referred to our in-house Underwriting team to assess and evaluate the risk. Depending on the pre-existing disease, medical tests may be called for. This can be done from our network diagnostic list. Our Underwriting team will review the test results and decide upon the admissibility of the proposal.
No, you need not pay for pre-policy medical tests. It is cashless. Only in case your policy is rejected based on adverse medical findings, 50% of the pre-policy check up cost is deducted from the premium refund amount.
No, OPD is not covered under Health Suraksha.
Yes, younger spouse can be a proposer under Health Suraksha. However, premium calculation is based on the age of eldest family member proposed.
Depending on the age and sum insured opted, pre-policy medical checkup varies. Pre-policy medical checkup typically has Medical Examination Report by the Physician, few blood & Urine tests & ECG. TMT, 2D echo, Sonography etc can also be part of the PPC check up list depending on the Sum insured and age of the customer.
In case of Organ Transplantation, donor expenses like screening, organ retrieving & donor hospitalisation expenses are covered. Cost of Organ per se is not covered
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