Back   Home Health Suraksha - Medical Insurance Plan

HDFC ERGO Health Suraksha plan provides comprehensive coverage for health insurance needs of everyone. With zero documentation and maximum protection, we offer bump free and smooth ride to worry free living. Get maximum coverage with no “asterisk” and no “limitation” from HDFC ERGO.

Key Highlights

  • Cashless cover at 5000+ network hospitals

  • Enjoy 10% discount on 2 year policy

  • Get additional 10% discount by covering 2 or more family members on individual sum insured basis

  • No capping on expenses like doctors fees, hospital room rent etc

  • No capping on treatment through Ayurvedic, Unani, Siddha or Homeopathic methods

  • Claims services directly from HDFC ERGO instead of Third Party Administrator

  • Lifelong renewability

  • Tax benefit u/s 80D.



  • In-patient Treatment

  • Pre-hospitalization

  • Post-hospitalization

  • Day Care Procedures

  • Domiciliary Treatment

  • Organ Donor

  • Emergency Ambulance (Limit per hospitalization)

  • AYUSH Benefit

  • Cumulative Bonus

  • Medical checkups


Sum Insured

  • Sum Insured available are Rs. 300000, Rs. 400000, Rs. 500000, Rs. 750000 and Rs. 1000000


  • 30-day Waiting Period for claims

  • 2-year Waiting Period for Particular Diseases and Treatments like surgery on tonsils and sinuses, internal tumors, cysts etc.

  • Pre-existing conditions not covered until insured is covered for 48 months continuously

  • War or any sort of armed conflicts

  • Breach of any law with an intent of crime

  • Suicide attempts/ Suicide, injuries due to an act of self-destruction or self-inflicted injury

  • Terrorist activities, radioactivity or war

  • Claims for illnesses arising due to intoxication of Drugs and Alcohol

  • AIDS / HIV

  • Plastic or cosmetic surgery unless carried out as a part of medically required treatment

  • Vaccinations including inoculation and immunizations taken as part of preventive measures

  • Refer to the Policy Wording document for a complete list of exclusions