• HDFC ERGO Health Suraksha Top Up Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    HDFC ERGO Health Suraksha Top Up plan supplements your primary insurance cover. It provides you better coverage with higher benefits.

    Features & Benefits - HDFC ERGO Health Suraksha Top Up:

    Entry age No limit
    Renewal Lifelong renewability
    Policy term 1-2 years
    Type of plan
    • Individual
    • Family floater
    Key features
    • It supplements your existing mediclaim policy, insuring you for a larger sum insured limit at lower cost
    • A top up cover is initiated when the deductible in this policy is exhausted
    • You can stay covered for the whole life since there is no-exit age
    • 1 Year & 2 Years health insurance policy option for Individual & Family Floater
    Cover
    • In-patient treatment
    • Pre hospitalisation charges
    • Post hospitalisation charges
    • Day care procedure
    • Domiciliary treatment
    • Organ donor
    • Emergency ambulance
    Tax benefits Tax benefits under section 80D of the Income Tax Act
    Discounts
    • Family discount- 10% discount if 3 or more family members are covered under one adult plan
    • Renewal incentives- Cumulative bonus of 5% of the Sum Insured for every claim free year accumulating up to 50%. In the event of a claim, the cumulative bonus shall be reduced by 10% at the time of renewal.
    Exclusions
    • Pre-existing conditions will not be covered for first 48 months
    • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
    • Pregnancy, dental and external aids and appliances unless covered under specific Plans
    • Terrorist activities, radioactivity or war
    • Any treatment within first 30 days of cover except any accidental injury
    • Mental disorder or insanity
    • Cosmetic surgery and weight control treatment
    • AIDS/HIV
    • Self inflicted injury
    • Preventive care and vaccination
    • Waiting Periods
    • 30 days Waiting Period - A waiting period of 30 days will apply to all claims
    • 2 Years specific waiting period for specified diseases & treatments
    • 4 Years Pre-existing Conditions will not be covered until 48 months of continuous coverage have elapsed, since inception

    Read terms, conditions and exclusions mentioned in the policy document.

    Find cashless network hospitals nearby: HDFC ERGO Cashless Network Hospitals

    Other Health Insurance Plans from HDFC ERGO Health Insurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    HDFC ERGO Health Suraksha Top Up Plan Reviews

  • Page 1 of 47 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from the HDFC ERGO around a year ago. The customer support service and the response is good with the HDFC ergo . This policy covers only one member in my family. I have the medical coverage up to Rs,3,00,000 and I am satisfied having the health insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy with the HDFC Ergo. I pay a premium of 6100 Per year, I do not have any claim experience with the policy and it offers full coverage for my entire family. They offer a coverage 2 lacs annually which is pretty good for me. Overall it has been a good experience with the features of the policy. .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 14, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I can use this HDFC ergo for the cashless transaction. I can claim upto Rs. 3 lakhs. I have taken this policy for me alone. Tax benefit is there in this policy. I never had a claim experience hence i did not contact the customer care for any help. There is no pre-existing disease is not covered.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 06, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the HDFC Ergo health insurance for a while. I never had any claim experience with the policy. I'll have to wait and see how they respond to their claim requests in future.. Overall I never had any issues with their services. The premium amount gets auto-debited from the account via ECS.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 05, 2018
    • HDFC Ergo Health Insurance
      "Needs to improve"
      0.5 2.0/5 "Expected more"
      I have my health insured with HDFC ERGO from last 3 months, i have a family coverage of Rs 8 lakhs for this insurance. I pay a premium of Rs 14500 for this insurance policy. I am not happy with the coverage value as they do not cover pregnancy services in this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 31, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the HDFC Ergo. I paid 11500 for the Two years. I do not have any claim experience. I'll have to wait and see how they respond to my claim requests in future. As of now I never had any issues with their services..
      Was this review helpful? 0
      , bangalore
      Reviewed on May 30, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with HDFC ERGO from last 1 year, i pay a premium of Rs 3000 which has to be paid every year for this insurance. I have a coverage value of Rs 5 lakhs for this insurance policy. I have not claimed anything so far from this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 29, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with HDFC ERGO from last 10 years, my claim experience was very good with HDFC ERGO as they covered 100% of the billed amount and it was a cashless treatment. I pay a premium of Rs 3000-4000 every year and the coverage value is Rs 5 lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 28, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the HDFC Ergo. I pay a premium of 22000 per year for this policy. I never had any claim experience with this policy. I'll have to wait and see how they respond to my claim request in future. As of now their services are good and I make payments online.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 26, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy form the HDFC Ergo. I pay an yearly premium of 3000. I never had any claim experience with this policy. Overall their services are good and I never faced any issues with their services. I'll have to wait and see how they respond to my claim requests in future.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 26, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with HDFC ERGO from last 3 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount as my company pays it. I have a coverage of Rs 5 lakhs and i have no claim experience so far with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with HDFC ERGO from last 5-6 years, i am happy with the coverage value of this insurance policy and it is covered up to Rs 3 lakhs. My claim experience was good with this insurance and it was a cashless treatment. I pay a premium of Rs 8000-10000 for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 21, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the HDFC Ergo. I am paying a premium of 7000 per year. The premium amount gets auto debited from my account. I never had any claim experience with the policy. Overall Their services are good and recommendable.
      Was this review helpful? 0
      , pune
      Reviewed on May 21, 2018
    • HDFC Ergo Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have got the health insurance policy from the HDFC ERGO GENERAL INSURANCE around 6months ago. I have paid Rs,6000 per annum to get this policy. This policy covers only one person , which myself and it has the medical coverage amount of Rs,3,00,000 and I am satisfied having it.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • HDFC Ergo Health Insurance
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I hold a health insurance with HDFC ERGO from last 1 year, my premium amount gets auto deducted from the loan amount. There was no proper information about the insurance from the customer service. The coverage value of this insurance policy is for 2.5 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with HDFC ERGO from last 1 year, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount as my company pays it. I do not have claim experience with this insurance and the coverage value of Rs 2 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • HDFC Ergo Health Insurance
      "Health with HDFC ergo"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with HDFC ERGO GENERAL INSURANCE. The policy coverage is for 15 lakhs. There is no health checkup available with them. There is no claim experience regarding any heath related issues. The provide cashless and reimbursement facility.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 12, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been a user of the HDFC Ergo Health Insurance I pay a premium of 7000 Annually. I don't have any idea about the features and benefits of this policy. I never had any claim experience associated with this policy. Overall there hasn't been problems associated with the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 11, 2018
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 1.0/5 "Really Bad"
      From HDFC i am holding a health insurance plan i am not sure and i have no idea regarding that the policy deeply because from past 3 months i am using this policy. The duration of my policy is short term policy. If i want to tell about the customer service provide by them is good and they response quickly. The documentation also easy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 09, 2018
    • HDFC Ergo Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      The main reason for choosing Hdfc ergo general insurance policy where the claim percentage is high while comparing to other insurance policy available in market. Annually am paying nominal amount through ecs . And the tenure period is 15 years.
      Was this review helpful? 0
      , chennai
      Reviewed on May 04, 2018
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