Back   Home Health Suraksha with Regain & Enhanced Cumulative Bonus

HDFC ERGO comprehends your needs of a secure and healthy future that guarantees coverage in case of medical exigencies while befitting your budget well. Health Suraksha Regain Plan acts as your companion in emergencies and provides a comprehensive medical insurance plan that offers coverage for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses.

With Health Suraksha Regain insurance plan, you can avail the additional benefits of automatic availability of sum insured upon its exhaustion. Our seamless services offer you financial security with no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.


Key Highlights

  • Optimized health insurance plans at affordable cost

  • A network of more than 5000+ hospitals to choose from to avail cashless services

  • No limit for age at entry

  • Sum Insured 300000, 400000, 500000, 750000 & 1000000

  • AYUSH cover available without any sub limit

  • Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured

  • Option to choose from Individual or Family Floater Health Insurance plans

  • REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion

  • Get benefits on Income Tax under Section 80D of the Income Tax Act

  • Enjoy hassle free claim procedures with least documentation and settlement times

  • No Sub-limits on any disease, room rent, hospital charges and doctor fees


Regain Benefit

Regain benefit provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year


  • Basic sum insured will be re-instated only once in health insurance policy year

  • If the Regain SI is not utilized in a policy year, it shall not be carried forward to any subsequent insurance policy year.

  • Regain benefit cannot be withdrawn at subsequent renewals

  • Regain SI can be used for only future claims and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year


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

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

  • 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

  • Hospitalisation 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."