Health is the most valuable asset that every individual owns. Life is full of uncertainties and highly unpredictable, so it’s best to stay guarded with an appropriate health insurance cover. Medical treatments nowadays are very expensive and can easily drain out all the savings of a person if he is not insured. When a member of family is hospitalized, it’s a tough time for everybody and treatment expenses, only add to the misery. Thus it’s wise and logical to buy a health policy that yields you maximum benefits in crucial times.

HDFC ERGO's Health Suraksha Gold is an economical plan that provides a cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses. Also there are no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Investment in health insurance is a wise and logical move. It not only secures health of the person but also allows the family to stay united in tough times without being worried about the financial expenses at all.

Key Highlights

  1. Optimized health insurance plans at affordable cost
  2. A network of more than 6000+ hospitals to choose from to avail cashless services
  3. No limit for age at entry
  4. Life Long renewability
  5. AYUSH cover available without any sub limit
  6. E- opinion provided upon diagnosis of a Critical Illness
  7. Option to choose from Individual or Family Floater Health Insurance plans
  8. Get benefits on Income Tax under Section 80D of the Income Tax Act
  1. Enjoy hassle free claim procedures with least documentation and settlement times
  2. Maternity Benefit available after a waiting period of 4 Yrs along with New Born baby cover
  3. Convalescence benefit provided if the period of hospitalization has exceeded 10 consecutive and continuous days
  4. No Sub-limits on any disease, room rent, hospital charges and doctor fees


  1. 10% discount for 2 Yr tenure of the policy
  2. Family Discount of 10% if 2 or more family members are covered under Health Suraksha on Individual Sum Insured basis
Product Benefit Coverage-
(Sum Insured / Annum: Individual: 3 lacs,4 lacs,5 lacs,7.5 lacs & 1 lac) (Sum Insured/Annum: Family Floater: 3 lacs,4 lacs, 5 lacs, 7.5 lacs & 1 lac)
In-patient Treatment Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured.We will pay for the medical expenses for Room rent, boarding expenses, Nursing, Intensive care unit, Medical Practitioner, Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, Medicines, drugs and consumables, Diagnostic procedures, Cost of prosthetic & other devices or equipments if implanted internally during a Surgical Procedure
Pre-hospitalization The Medical Expenses incurred due to an Illness in 60 days immediately before the Insured Person was hospitalized.
Post-hospitalization The Medical Expenses incurred in 90days immediately after the Insured Person was discharged post Hospitalization,
Day Care Procedures Expenses for 144 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 upto the policy sum insured
Organ Donor The Medical Expenses for an organ donor’s treatment in the event of organ transplantation for harvesting an organ donated are reimbursed Upto the policy Sum Insured
Emergency Ambulance (Limit per hospitalization) Upto Rs. 2,000 for SI 300000,400000,500000 & Upto Rs . 3500 for SI 750000 & 1000000 reimbursed as ambulance expense during an emergency
AYUSH Covers inpatient hospitalization expenses under Ayurvedic, Unani, Sidha & Homeopathy Upto the policy Sum Insured
New Born Baby Covers In patient medical expenses of the new born baby within 90 days after the birth.
Maternity with Waiting Period of 4 Years Expenses related to Normal Delivery Rs 15,000 & LSCS Rs 25,000/Termination Rs 15,000
(The maternity Includes Pre/Post Natal limit of upto Rs 1,500 and New Born limit of upto Rs2,000, New Born baby covered)
E Opinion for Critical Illness If an Insured Person suffers a Critical Illness during the Policy Period then We will arrange a second opinion from a Medical Practitioner selected by the Insured Person from Our panel. The second opinion will be based only on the information and documentation provided to the Medical Practitioner by or on behalf of the Insured Person, and the second opinion will be sent directly to the Insured Person by the Medical Practitioner.
Convalescence Benefit If the period of hospitalization has exceeded 10 consecutive and continuous days, then We will pay a lump-sum amount towards convalescence , Maximum 1 % of Sum Insured and upto Rs 10,000 only
Cumulative Bonus (CB) 5% of the Basic Sum Insured every claim free year subject to a maximum of 50% of the basic sum insured. CB will be reduced by 5% of the basic sum insured in case of a claim.
Health check Up We will offer health checkup only once at the end of continuous four claim free years during which You have been insured with Us. Our maximum liability will be subject to 1% of the Sum Insured for this Policy Year or the subsequent Policy Years upto a maximum of Rs 5,000. In case of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.

* 100% medical cost will be borne by HDFC ERGO in all PPC cases where the proposals have been accepted.

  1. Any treatment within first 30 days of cover except any accidental injury
  2. 2 years waiting period for Particular Diseases and Treatment such as surgery on tonsils and sinuses, cysts, internal tumor etc.
  3. Pre-existing conditions will not be covered for first 48 months
  4. Expenses arising from HIV or AIDS and related diseases.
  5. Mental disorder or insanity, cosmetic surgery, weight control treatment
  1. Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
  2. Hospitalisation due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
  3. Pregnancy, dental and external aids and appliances unless covered under specific Plans
  4. Terrorist activities, radioactivity or war
For a complete list of exclusions, kindly refer the policy wordings
"Note: The content is descriptive only. For actual coverage, kindly refer the policy document."
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Policy Wording
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Dummy FAQs

Buying a two wheeler is an investment that you want to safeguard from any unforeseen risks. A two wheeler insurance would help you in ensuring that you are covered against loss to the vehicle, driver, pillion rider or any third party.
There are two types of policy offerings:
  1. Comprehensive policy covers any loss/damage or theft of insured vehicle in addition to covers available under liability only policy.
  2. Liability only policy covers risk towards third party property damage or third party injury / death.
You should always go for comprehensive insurance. While the liability plan covers you against legal liabilities, your two wheeler is not covered by the same. By just spending a bit more you can also insure your two wheeler. And now, you can also cover your vehicle for upto 3 years. So why not pay a bit extra and be worry free.
We know and understand the stress you feel to ensure renewing your insurance every year. You can forget about the hassle of insuring your two wheeler for up to three years. And when you get multiple benefits and discounts on doing the same, the better. You shall have following benefits over single year policy:
  1. Longer policy duration means “No worry for annual renewals”
  2. NCB protection during policy period irrespective of claim status of your vehicle
  3. You don’t have to pay against annual increase in third party insurance premium
Online insurance gives you the benefit of instant policy issuance with zero documentation. Multiple payment options makes the online process a convenient choice.
You will get your policy immediately.. You will be able to download your policy right after payment while buying the policy online. In addition, your policy will also be sent to your registered email ID. To buy/renew your policy please click here.
The tenure of your policy is simply the duration of insurance covering your two-wheeler. For example, if you take a single year policy, the policy tenure would be of one year. For a three year policy, not only are you covered for up to three years hassle free, but also avail various benefits and discounts.
  1. What addons are available on my two wheeler policy: Zero depreciation cover. which provides you to claim the full cost of replacing vehicle parts damaged in accidents without having to pay from your pocket.
  2. Emergency Road assistance: Provides you services like refueling, towing, change of flat tyre, arranging for a mechanic's services.
Once an insured vehicle is sold, a written intimation needs to be provided intimating the same to the insurance company. The insured has the following options;
  1. Transfer name in existing policy
  2. Cancellation of existing policy if the new owner has bought a new policy for himself and seek refund of the premium for remaining part of the policy tenure on prorated basis.
  3. You could request to reserve the NCB from your policy for using it on your new vehicle in future for upto 3 years from the date of sale.
  4. What is a No Claim Bonus (NCB)? -Simplify
  5. NCB is a discount in the Own Damage premium payable when renewing your policy after a claim-free year. It is an incentive for driving carefully and avoiding accidents.
  6. All types of Vehicles with no claim made or pending during the previous: NCB% on own damage premium for one year policy
    1 Full year of insurance 20%
    2 consecutive years of insurance 25%
    3 consecutive years of insurance 35%
    4 consecutive years of insurance 45%
    5 consecutive years of insurance 50%
Insured declared value (IDV) of your vehicle is calculated basis the manufacturer’s listed selling price. For a new vehicle the IDV would be 95% of ex-showroom price. For subsequent years, the depreciation would be as listed in the table below. The registration and insurance costs are not included in the IDV. For accessories, which are not factory-fitted, IDV is calculated separately at an extra cost if insurance is required for them as well.

The Depreciation schedule of a two-wheeler is as follows:
Plan Annual Premium
Annual Premium 5%
Exceeding 6 months, but less than 1 year 15%
Exceeding 1 years but less than 2 years 20%
Exceeding 2 years but less than 3 years 30%
Exceeding 3 years but less than 4 years 40%
Exceeding 4 years but less than 5 years 50%
If your vehicle is 5-years or older, IDV would depend on the serviceable condition and also the state of its body parts.

In case your bike is an obsolete model, its IDV will be determined by a mutual agreement between the insurance company and you. Some companies have a practice of referring to surveyors for arriving at IDV, which leads to additional cost that has to be borne by you
The premium of your vehicle depends upon:-
  1. Age of the vehicle
  2. IDV or sum insured (Value of your two-wheeler)
  3. Place of vehicle registration
  4. Cubic capacity of the engine
  5. Policy tenure
  6. No claim bonus
Please click here to get the full details of premium calculation.
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