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.

HDFC ERGO Health Suraksha Top-Up Plus Insurance Wordings

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Highlights

Cashless Approval TAT	Within 37 mins
Claim Settlement Ratio	99.80%
Network Hospitals	13,000+
PED Coverage Starting From	3 year
Special Benefits	2X Cover from Day 1
Starting Premium	Rs. 1090/month

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HDFC ERGO Health Insurance Plan List

Family (3)
Individual (4)
Cancer (1)
Critical Illness (2)
Diabetes (1)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Optima SecureMin: 91 Days, Max: 65 YearsPopular		Check Premium
Optima RestoreMin: 91 Days, Max: 65 YearsPopular	3 Lakh	Check Premium
my: health SurakshaMin: 91 Days; Max: No LimitPopular	3 Lakh	Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 10 Lakh	Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years	1 Lakh - 1 Crore	Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years	50 Thousand - 1 Lakh	Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years	1 Lakh - 50 Lakh	Check Premium
my:Health Koti SurakshaMin: 18 years; Max: 65 years		Check Premium
Maxima PolicyMin: 91 Days; Max: 65 years		Check Premium
Day2Day Care PolicyMin: 91 Days; Max: 65 years		Check Premium
iCan CancerMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium
Health WalletMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
EnergyMin: 18 Years, Max: 65 Years	2 Lakh	Check Premium
Optima SeniorMin: 61 Years; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium

HDFC ERGO Health Insurance Top Up List

Top-up (4)
Family (1)
Individual (1)

Name of Plan	Sum Insured
Optima PlusMin: 91 Days; Max: 65 YearsPopular	5 Lakh	Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 YearsPopular	3 Lakh	Check Premium
Optima SuperMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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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.

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.