Back   Home HDFC ERGO’s Health Suraksha Regain Gold

HDFC ERGO provides a comprehensive health insurance plan fitting well in everyone’s budget. The Health Suraksha plan from HDFC ERGO provides cover for in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and such other major expenses. With Health Suraksha Plan, be assured of no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Key Highlights

  • Optimized health insurance plans at affordable rates

  • Option to choose Individual or Family Floater Health Insurance

  • Choose a health insurance plan from either an annual policy or a two year policy

  • Get a Cumulative Bonus on completion of every claim free year

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

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

  • Enjoy hassle free claim procedures

  • No Sub-limits on hospital room rents, hospital expenses, specific diseases and doctor fees.



  • 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