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HDFC ERGO Health Suraksha Top-Up Plus Health Insurance

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HDFC ERGO Health Insurance
Health Suraksha Top-Up Plus Policy
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

About HDFC ERGO Health Suraksha Top-Up Plus Health Insurance

Health Suraksha Top-Up Plus Policy is an affordable medical insurance policy that increases your insurance coverage over and above the existing base policy. In other words, the plan comes to your rescue if your health insurance claim exceeds the threshold limit, known as deductible. You can purchase the policy on a sum insured options ranging between Rs. 3 Lakh and Rs. 10 Lakh and deductible options between Rs. 2 Lakh and Rs. 4 Lakh. You can avail the policy benefits if you are aged between 5 years and 65 years. You can also include children aged at least 91 days, if both the parents are covered under the same policy. Apart from self, you can include legally wedded spouse, dependent children, and dependent parents under Health Suraksha Top-Up Plus Policy. Note that you can cover dependent parents under a separate family floater policy.

Health Suraksha Top-Up Policy covers you for several healthcare expenses, some of which include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, organ donor expenses, domiciliary hospitalisation expenses, etc. Other benefits that the policy offers you include tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961, no sub-limits on room rent, hospital expenses, etc., no medical check-up until the age of 55 years, no-claim bonus for every claim-free year, etc. You can purchase this policy for 1 year and keep renewing it thereafter for lifetime, without any lapse.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses arising due to an illness or accident
  • Pre-hospitalisation and post-hospitalisation expenses for up to 60 days and 90 days respectively
  • Domiciliary treatment expenses
  • Expenses related to daycare procedures
  • Emergency ambulance expenses for up to Rs. 2,000 per hospitalisation

What's Not Included

  • Hospitalisation required due to war ,nuclear, chemical and any kind of radiation
  • Hospitalisation for the purpose of investigation or experiment
  • Treatment related to mental disorder or insanity, cosmetic surgery, etc.
  • Medical expenses due to pregnancy
  • Expenses related to HIV/AIDS and related diseases

9552 HDFC ERGO Cashless Network Hospitals in India

Choose HDFC ERGO Critical Illness Plan

Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health Suraksha Top-Up Plus Policy Health Insurance Plan

  • What is the eligibility criteria for Health Suraksha Top-Up Plus Policy?

    To avail the policy benefits, you must be aged between 5 years and 65 years. Children aged at least 91 days can also be covered under the policy if both parents are covered under it too. Note that there will be no exit-age for ceasing of the cover.

  • What are the sum insured options available under Health Suraksha Top-Up Plus Policy?

    Health Suraksha Top-Up Plus Policy comes with sum insured options of Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh, and Rs. 10 Lakh. 

  • Who all can be covered under Health Suraksha Top-Up Plus Policy?

    If covered under Health Suraksha Top-Up Plus Policy on a family basis, you can include self, spouse, dependent children, and dependent parents. Note that dependent parents can be covered under separate family floater policy. 

  • Will I be required to undergo a medical check-up to be covered under Health Suraksha Top-Up Plus Policy?

    Until the age of 55 years, you are not required to undergo any medical check-up, to be covered under Health Suraksha Top-Up Plus Policy. 

  • Can I avail tax benefits on the premium paid for Health Suraksha Top-Up Plus Policy?

    Yes. You can avail tax benefits on the premium paid for Health Suraksha Top-Up Plus Policy under Section 80D of the Income Tax Act, 1961.  

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