• Introduction
  • What's included?
  • What's not included?
  • Add ons
  • FAQs

Health Suraksha Insurance with Regain & ECB

With this health insurance you get to replenish the exhausted sum insured once during the policy period, we call it the Regain Benefit. You also get rewarded for not making any claims during the policy period with 10% ECB - enhanced cumulative bonus on the sum insured. Hence, even if there is no unfortunate health issue your money does not go waste; instead your sum insured gets bigger and better.

Key Highlights

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
You do not have to compromise with your health insurance. Choose the sum insured plan exactly according to your needs and preferences.
Regain Benefits
A major claim will not leave you uncovered! Regain benefit with Health Suraksha reinstates the exhausted sum insured to ensure your claims are settled smoothly.
Enhanced Cumulative Bonus
Not making any claims can enhance your sum insured by 10% every claim free renewal leading to a bigger sum insured in times 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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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 20 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 option 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 limit 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.

Add On Covers

Regain Benefits

Sum Insured exhausted? How do you gain it back?

A major claim can completely exhaust your Sum Insured leaving you vulnerable in case of another health issue. With your HDFC ERGO health insurance, you get to replenish the exhausted Sum Insured once during the policy period. However, the replenished Sum Insured cannot be carried forward at the time of policy renewal.


Example: Suppose your base Sum Insured is Rs 3 lacs, and your claim is 3.2 lacs. In this case, your base Sum Insured gets exhausted. But don’t worry. We will restore your lost Sum Insured which can be used for any new claims in future.

Enhanced Cumulative Bonus (ECB)

Now get rewarded for staying healthy and fit

What is your biggest concern while buying health insurance? What if there is no unfortunate health issue and this money goes waste? Well, with HDFC ERGO, you get rewarded for it and at the time of renewal, you are entitled to 10% enhanced cumulative bonus on the Sum Insured.


Example: Your base Sum Insured is Rs 5 lacs and you did not claim during the policy period. Then on renewal, ECB gets activated to offer you a Rs. 50,000 (10% of base Sum Insured) bonus. This means you can claim upto Rs. 5,50,000 during the policy period.


Our Cashless
Hospital Network

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Seamless & Easy Claims! Assured


Register & Track Claims through our website

Locate network Hospitals Near You

Regular claim update on your mobile

Avail your preferred mode of claims settlement
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**.

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Frequently asked questions

Yes, regain benefit is an optional. It will be applicable on payment of additional premium. If you opt for this benefit, then in case your sum insured & cumulative bonus gets exhausted during the policy period, then there is automatic refill of sum insured upto the base sum insured. You can use this for all future claims during the policy period.
No, regain benefit cannot be carried forward to the subsequent policy year.
Unfortunately no. You cannot withdraw add-on covers in subsequent renewals in case you have opted the same at the time of purchase of first health suraksha policy with us.
In case you don’t claim during the policy period, your sum insured automatically increases by 10% upto a maximum of 100%. Which means, when you don't claim for 10 years, and continuously renew with us, you can double your basic sum insured without proportionate increase in the premium.
In case of a claim, cumulative bonus automatically decreases by 10% of the basic sum insured in the following renewal.
Claim under regain benefit can be availed for a different disease and not against any claim for a disease (including its complications) for which a claim has been paid in the current policy year.
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