• Introduction
  • What's included?
  • What's not included?
  • Why Choose HDFC ERGO?
  • FAQs

Health Suraksha Top Up Health Insurance Plan

HDFC ERGO’s Health Suraksha Top Up Plus is what you can turn to when you feel you want something more from your medical insurance policy. Our Top Up plan not only supplements your primary health insurance cover at a low cost, but also comes with a host of additional benefits.

Our Health Suraksha Top Up Plus offers benefits to suit your needs with no room rent restriction, no sub limits and the option of lifelong renewability.

Reasons to choose Health Suraksha Top-up 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.

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 any claim 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.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Understanding "Deductibles"

What is Deductible?

Deductible is a fixed amount paid out-of-pocket by an insured for the medical expenses before an insurance company pays the balance cost.

What is Aggregate Deductible?

Sum total of all the claims incurred by the insured during a policy period.

How does Aggregate Deductible Work?

Suppose you have bought a Health Suraksha Top-up policy with Rs. 3 lac aggregate deductible and 7.5 lacs sum insured. In case during the policy period there is 1 or more claim more than Rs. 3 lacs then Health Suraksha Top-up will pay you the balance amount incurred upto maximum 7 lacs.

Let’s understand how Health Suraksha Top-up policy?

Claim 175,000
Claim 250,000
Claim 31 Lac
Claim 41 Lac
Total claims3.25 Lacs
Aggregate Deductible as per policy3 Lacs
Total Sum Insured 7 Lacs
Balance Claim payable25000
Balance Sum Insured 7.25 Lacs

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Why choose HDFC ERGO General Insurance?

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 20 minutes.
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.
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 20 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

It supplements your existing medical insurance,covers one against medical emergency in case of exhaustion of the basic cover,covers one against medical emergency in case of change in job and supplements your savings when the treatment costs exceed your savings.
Health Suraksha top up plus is open to individuals from the age of 91 Days to 65 years. However there will be no exit-age for ceasing of the cover.
No pre policy medical check-up is required for individuals upto 55 years. Subject to no medical adversities.
Yes, you can avail upto Rs.15,000 as tax benefit under ‘Section 80D’. In case of senior citizens, you can avail upto Rs.20,000 as tax benefit under 'Section 80D'.
Pre-existing diseases refers to any condition, ailment, injury or illness that you have been diagnosed with or had symptoms of before taking your first policy.
Pre-existing diseases will be covered in Top Up only after 48 months of continuous coverage.
Yes, there is a waiting period of 48 months (or 4 years) for before Health Suraksha Top Up starts covering the pre-existing diseases.
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