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  • HDFC ERGO Health Suraksha Plan

     4.5 / 5.0   by 5 users
    Used this product? Write a review >>

    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience


    HDFC ERGO Health Suraksha provides cover for in-patient treatment costs, pre and post hospitalisation expenses and other major medical expenses.

    Features & Benefits - HDFC ERGO Health Suraksha:

    Entry age Minimum age: 3 months Maximum age: 55 years
    Policy term 1 or 2 years
    Maximum age for renewal 65 years
    • Hospital room rent and boarding expenses
    • Doctor’s fee, nursing and ICU expenses.
    • Expenses for medicine and drugs
    • Expenses for organ donor transplant
    • Pre and post hospitalisation expenses
    • Day care procedure
    • Expenses for medical treatment taken at home
    • Expenses for in-patient treatment
    Cover under family floater policy
    • An individual and their spouse
    • Dependent children
    • Dependent parents
    Key features
    • No medical check up required up until the entry age of 45 years
    • Affordable rates
    • Can be purchased and renewed online
    • Cashless hospitalisation
    • Cumulative bonus upon completion of every claimless years
    • Hassle free claim process
    • Limited documentation
    • Tax benefits
    • Policy tenures ranging from 1-2 years
    • Cumulative bonus of 5% for every claim-free year
    Tax benefits Tax benefits under section 80D of Income Tax Act
    Discount Family discount of 10% if 2 or more family members are covered
    Grace period for policy renewal 15 days
    • Attempted suicide, death or wounds due to self-inflicted injuries.
    • A waiting period of 30 days for claims, and a waiting period of 2 years for particular diseases and treatments like surgery on tonsils, internal tumours, cysts, sinuses etc.
    • Pre-existing conditions for first 4 yrs
    • Abuse of drugs, alcohol, hallucinogenic, intoxicant
    • Hospitalisation due to war
    • Mental disorder, insanity, cosmetic surgery & weight control treatments
    • Cosmetic or plastic surgeries

    Read terms, conditions and exclusions mentioned in the health insurance 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 Plan Reviews

  • Page 1 of 1
    • HDFC Ergo Health Insurance
      "Good protection for family"
      0.5 5.0/5 "Blown Away!"
      I have health suraksha policy with HDFC Ergo, I have activated this policy before five years. It has tenure of one year, every year I used to Rs.7000 to renew the policy, they gave me the medical cover of Rs. 3.5 lakhs for my entire family. It got tie up good hospitals.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 24, 2017
    • HDFC Ergo Health Insurance
      0.5 5.0/5 "Blown Away!"
      HDFC health Suraksha is good.. I was able to get the claim amount in three days. Full 100 percentage was covered. Three lakhs is the coverage. I would suggest it is one of the best plan I have experienced and the best part is, I am very much satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2016
    • HDFC Ergo Health Insurance
      0.5 4.0/5 "Great!"
      Health suraksha plan and another plans are there in HDFC Ergo where the premium is getting through my credit card on monthly basis. Coverage is 10 lakhs and this is only for me. If I meet with health related issues and accident I can claim. 12 hours is the limit to claim for health insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 06, 2015
    • HDFC Ergo Health Insurance
      "Awesome customer service of HDFC ERGO"
      0.5 4.0/5 "Great!"
      I was too much confused that which health policy to buy and from which company, That time my friend suggest me the HDFC ERGO and I purchased health Suraksha plan from them but I was not sure as they will provide good service or not. Last Month, I was admitted to the hospital and they provided the all expenses with the very fast claim process. Now I am pleased with their service, according to me HDFC ERGO is the best general insurance company.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Feb 17, 2015
    • HDFC Ergo Health Insurance
      0.5 3.0/5 "Satisfactory"
      There are so many uncovered disease like ear infection and we can get the insurance amount only after 24 hours. Cashless facilities are there and they are covering most of the hospitals. Please clarify the clients about all the details without hiding anythings. Medical coverage is up to 2lakhs to 3lakhs and this depends on different plans. My health insurance plan is Health Suraksha with HDFC Ergo.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 11, 2015
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