Uncertainties and unfortunate events can catch you off guard and unprepared in form of illness and injuries. The escalating medical treatment and recuperating costs add more pain to injury by draining your savings. Now be prepared with for those ill-fated times with an extensive medical coverage that lets you focus on the health recovery of you and your loved ones without making you torment about the finances.

Get a comprehensive health insurance plan with a diversified portfolio of services from the best health insurance policy online with HDFC ERGO’s Health Suraksha with Regain and ECB.

HDFC ERGO’s Health Suraksha with Regain and ECB Plan

HDFC ERGO comprehends your needs of a secure and healthy future that guarantees coverage in case of medical exigencies while befitting your budget well. Health Suraksha with Regain and ECB Plan acts as your companion in emergencies and provides a comprehensive medical insurance plan that offers coverage for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses.

With Health Suraksha with Regain and ECB insurance plan, you can avail the additional benefits of automatic availability of sum insured upon its exhaustion. Our seamless services offer you financial security with no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Get instant quotes online on your desired health insurance policy and buy the right Health Suraksha with Regain and ECB Plan for you and your family, on just a click.

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. AYUSH cover available without any sub limit
  5. Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured
  1. Option to choose from Individual or Family Floater Health Insurance plans
  2. REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion
  3. Get benefits on Income Tax under Section 80D of the Income Tax Act
  4. Enjoy hassle free claim procedures with least documentation and settlement times
  5. No Sub-limits on any disease, room rent, hospital charges and doctor fees

Regain Benefits

Regain benefit provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year

  1. Basic sum insured will be re-instated only once in health insurance policy year
  2. If the Regain SI is not utilized in a policy year, it shall not be carried forward to any subsequent insurance policy year.
  1. Regain benefit cannot be withdrawn at subsequent renewals
  2. Regain SI can be used for only future claims and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year


  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
Schedule of Benefits - Individual & Family Floater
Basic Sum Insured per Policy Year Rs. 3lacs, Rs. 4lacs, Rs. 5lacs, Rs. 7.5lacs & Rs. 1lac
In-patient Treatment Hospitalization costs due to illness or accident are covered upto the Policy Sum Insured
Pre-hospitalization Medical costs incurred during 60 days prior to hospitalization are reimbursed
Post-hospitalization Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed
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
Organ Donor Medical costs for harvesting an organ donated are reimbursed
Emergency Ambulance (Limit per hospitalization) Upto Rs. 2,000 for SI 3lacs, 4lacs & 5lacs AND Rs 3,500 for SI 7.5lacs & 1000000 reimbursed as ambulance expense during an emergency
AYUSH Benefit Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed upto Sum Insured
Health Check Up Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutive claim-free years
Regain Benefits provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus ) during the policy year
Enhanced Cumulative Bonus The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim
  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
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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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