Health insurance protects you and your family against any financial contingency
arising due to a medical emergency.
Health Suraksha offers optimum health coverage at an affordable price.
The plan not only covers 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.
You can choose from four plans as mentioned below with Sum Insured ranging from
Rs. 3,00,000, 4,00,000, 5,00,000, 7,50,000 and 10,00,000.
- 1 Adult
- 2 Adults
- 2 Adults 1 Child
- 2 Adults 2 Children
The policy offers option for covering on individual sum insured basis or on family
Health Suraksha is open to individuals from the age of 03 months to 65 years.
Yes, Section 80 D of Income Tax Act, provides for a tax deduction from the total
taxable income on the amount of medical insurance premium paid by an individual.
The total maximum deduction that can be claimed is as follows
Medical Insurance premium paid in respect of
Total Deduction under section 80D
Self, spouse & dependent children
Self, spouse, dependant children and parents are below 60 years
Self, spouse and children are below 60 years but parents are above 60 years
Self, spouse, dependant children and parents are above 60 years
No pre policy medical checkup is required for individuals’ upto 45 years.
Family Floater is a policy wherein the entire family of the insured comprising of
insured and his dependents are covered under single sum insured.
The advantages of such a policy are:
1. All members of the family (as defined above) can be covered under one policy.
2. Single Premium is payable for the entire family.
3. The amount of Sum Insured floats over the entire family i.e. the limit can be
used by any member of the family and for any number of times.
4. One does not have to keep a track of renewals for different members; a single
renewal date is to be remembered.
The policy provides a Family discount of 10%, if 3 or more family members are covered
under a single policy on Individual Sum Insured basis.
Pre hospitalisation expenses means the medical expenses incurred for specified number
of days prior to hospitalisation for any disease / illness / injury sustained which
is covered under the 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-hospitalisation period is 90 days.
Day care procedures are the medical procedures/surgeries wherein the person does
not need to get hospitalised for more than 24 hours due to technological advancement.
The Medical Expenses incurred by an insured Person for medical treatment taken at
his home which would otherwise have required Hospitalisation because, on the advice
of the attending Medical practitioner, the insured Person could not be transferred
to a Hospital or a Hospital bed was unavailable.
Organ donor expenses includes all hospitalisation 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.
Reimburses the expenses for inpatient treatment taken under Ayurveda, Unani, Sidha
Hospital/Nursing Home means an establishment which:
a) is registered as such with a local authority and is under the supervision of
a registered and qualified Medical Practitioner; and operates for the reception,
care and treatment of sick, ailing or injured persons as in-patients; and
b) provides organized facilities for diagnosis and medical and surgical treatment
at all times; and is not primarily a day clinic, rest or convalescent home or similar
establishment and is not, other than incidentally, a place for the treatment of
alcoholics or drug addicts or a rehabilitation center
a) has a fully equipped operation theatre of its own wherever surgical operations
are carried out; and
b) provides nursing care and has a Physician or a staff of Physicians actually on
the premises at all times; and
c) has at least 10 in-patient beds at all times.
Any condition, ailment or injury or related condition(s) for which insured person
had signs or symptoms and/or was diagnosed and/or received medical advice/treatment
within 48 months prior to your first policy with the company.
INJURY or INJURIES means any physical, external, ACCIDENTAL bodily INJURY occurring
suddenly in time and resulting solely and independently of any other cause or any
physical defect or infirmity existing before the period of insurance.
Cumulative Bonus is an increase in sum insured by a specified percentage for every
claim free year subject to a certain maximum; provided that the policy should be
renewed without any break. Under Health Suraksha, you can avail of 5% cumulative
bonus for every claim free year.
Disease means a pathological condition of a part, organ, or system resulting from
various causes, such as infection, pathological process, or environmental stress,
and characterized by an identifiable group of signs or symptoms.
A health card mentions the contact details of the inhouse claim service team. In
case of a medical emergency, you can call on these numbers for queries, clarifications
and for seeking any kind of assistance.
Moreover, you need to display your health card at the time of admission into the
Yes, all the policyholders are eligible for the Health Card as it is an important
component of the policy.
If you are admitted in any of our network hospitals, you can avail cashless facility.
We would directly reimburse all the admissible expenses to the hospital. However,
in case of non-network hospitals, you will have to settle hospital bills at the
time of discharge, and consequently, the same will be reimbursed to you by us as
per Policy terms and condition, on submission of relevant document/s in originals
HDFC ERGO has dedicated inhouse claim service team for claim servicing.
These hospitals do not form part of the company's network list. 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.
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. Visit https://m.hdfcergo.com/download