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HDFC ERGO’s Health Suraksha Top Up Plus is what you can turn to when you feel you want more from your medical insurance policy.A top up plan supplements your primary health insurance cover. Additional coverage at low costs mean that a health insurance top up plan is exactly what you may be looking for.


Key Highlights

  • It supplements your existing mediclaim policy, insuring you for a larger sum insured limit at lower cost


  • In-patient Treatment - Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc

  • Pre-Hospitalization - Medical expenses 60 days immediately before hospitalization

  • Post-Hospitalization - Medical expenses 90 days immediately after hospitalization

  • Day care procedures - Medical expenses for 140 day care procedures which do not require 24 hours hospitalization due to technological advancement in medical science.

  • Domiciliary Treatment - Medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalisation

  • Organ Donor - Medical expenses on harvesting the organ from the donor

  • Deductible (Rs.) - 1.00; 2.00; 3.00; 4.00 and 5.00 Lacs

  • Requirement - Completed proposal form

  • Family Discount - of 10% if 3 or more family members are covered on Individual Sum Insured basis under 1 Adult plan in the same policy

  • Renewal Incentives - Cumulative bonus of 5% of the Sum Insured for every claim free year accumulating up to 50%. In the event of a claim, the cumulative bonus shall be reduced by 10% at the time of renewal.

  • Age group - 5-65 years. However, there will be no cover-ceasing age. Children covered from 91 days onwards if both parents are covered under same policy.

  • Policy Period - The policy will be issued for 1 year /2 years period

  • Pre-Policy Check up - Required > 55 Yrs of age

  • Emergency Ambulance - Expenses up to Rs. 2000 per hospitalization for utilizing ambulance service for transporting insured person to hospital.


Sum Insured

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


  • Deductible - No payment unless the medical expenses exceed the deductible.

  • Waiting Periods

    • 30 days Waiting Period - A waiting period of 30 days will apply to all claims

    • 2 Years specific waiting period for specified diseases & treatments

    • 4 Years Pre-existing Conditions will not be covered until 48 months of continuous coverage have elapsed, since inception


For a complete list, kindly refer the Policy Wordings