Back   Home Health Suraksha Gold with Maternity Coverage

HDFC ERGO Health Suraksha Gold plan is an economic plan, which provides coverage in addition to protection offered by our Health Suraksha Silver plan. It has maternity benefit and e-opinion facility for critical illness. Further it provides reimbursement of recovery expenses post prolonged illness.


Key Highlights

  • Maternity Benefit available after a waiting period of 4 Yrs along with New Born baby cover

  • Convalescence (reimbursement of recovery expenses) benefit provided if the period of hospitalization has exceeded 10 consecutive and continuous days

  • E- opinion provided upon diagnosis of a Critical Illness

  • 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


Sum Insured

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


  • Any treatment within first 30 days of cover except any accidental injury

  • Maternity waiting period of 4 yrs

  • Pre-existing conditions will not be covered for first 48 months

  • 24 Months waiting period for specified illnesses & treatments

  • Expenses arising from HIV or AIDS and related diseases.

  • Mental disorder or insanity, cosmetic surgery, weight control treatment

  • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol

  • Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind

  • Pregnancy, dental and external aids and appliances unless covered under specific Plans

  • Terrorist activities, radioactivity or war


For a complete list of exclusions, kindly refer the policy wordings
"Note: The content is descriptive only. For actual coverage, kindly refer the policy document."